At present, personal credit is mainly used for various consumer credit businesses of banks.
With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields.
In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Personal credit information includes
1. Personal basic information used to identify individuals and reflect their family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
Extended data:
change
The validity period of overdue records is changed to 5 years.
The new personal credit information system has been put into operation. Compared with the old version, the biggest difference lies in the stipulation of "validity period" of overdue records. The "validity period" of overdue records that have been shown in personal credit reports before is 5 years.
This means that if there is an overdue record of 20 12 1 in the personal credit report, it will be kept to 20 17 1, and so on.
The new credit report sets the starting point of overdue information at 10 in 2009.
That is to say, in the personal credit report of 2009, there are only overdue records after 2009 10.
The overdue records of some citizens are caused by ignorance of mortgage repayment or credit card repayment business, not malicious.
If overdue records are always accompanied by personal credit information, it is unfair and easy to make people "break the jar."
Changing the validity period to five years will help some people who did not pay attention to credit records before to pay attention to them and do a good job in accumulating credit records.
It is also an international practice to set a certain retention period for overdue information in personal credit reports instead of permanently displaying it in personal credit reports. For example, the United States has maintained it for seven years. ?
The new version of slimming no longer shows the address unit.
Baidu encyclopedia-overdue repayment