What credit information do you usually check when you buy a car by installment?
Buying a car by stages generally depends on the information of these sections, including personal information, credit records, public information and inquiry records, as follows:
1. Personal information: In addition to the basic information such as the applicant's age, gender, education background, ID number and marriage, it will also display the borrower's work information, residence information and used mobile phone number, from which the stability of the applicant can be judged. If you change jobs frequently, move, and mobile phone number all indicate that the stability is not strong.
2. Credit record: including two parts. One is credit information, that is, the records of loans and credit cards handled in the name of lenders, such as how many credit cards have been handled, how many lending institutions have borrowed money, the total amount owed, and the monthly repayment amount. One is the credit record, that is, the history is the current credit situation, and whether there are any bad records such as overdue and bad debts. Can intuitively reflect the applicant's willingness and ability to repay.
3. Open * * * information: There is no content in the credit report of ordinary people, but some people will leave corresponding records because of administrative punishment or compulsory execution by the court.
4. Inquiry records: No matter whether it is an institution inquiry or an individual inquiry, there will be corresponding records as long as the credit is inquired. Among them, personal inquiry has no influence, and the key point is to look at the institutional inquiry records. Institutional inquiry usually includes loan approval, credit card approval, guarantee qualification inquiry and post-loan management. The first three are hard query records, which are directly linked to personal credit. The more such inquiry records, the more personal credit will be spent, and the greater the loan risk.
The above is the relevant introduction of "what credit information is generally checked when buying a car by stages", and I hope it will help everyone.