Loan information, credit card information in banks and other financial institutions, as well as personal information, housing information, work information, consumption records, behavior records, friends circle characteristics, etc. , can be displayed through data.
In addition, looking for a job will look at the credit information. When applying for a job, the employer will look at your credit history, which is a general trend. If you have a bad credit record, you are likely to lose your job opportunities and face the dilemma of not finding a job.
Buying a house and buying a car will read the credit report. When buying a house and a car to apply for a loan, you will read the personal credit report. If your credit record is not good, you will be rejected, so you can't even guarantee your basic life, and your marriage will be affected.
If you have a bad credit report for a long time, you will be classified as a faithless person. Can't fly, can't take the high-speed rail, can't go abroad. In the future, children's schooling will be affected and their daily consumption will be restricted.
Therefore, personal credit information is very important, and we must maintain a good credit information record.
Legal basis:
credit reporting industry regulations
Article 27:
The state establishes a basic database of financial credit information to provide relevant information services for preventing financial risks and promoting the development of the financial industry.
The basic database of financial credit information is constructed, operated and maintained by professional operating institutions. This operating institution is not for profit, and it is supervised and managed by the supervision and management department of the State Council Credit Information Industry.
Article 28:
The basic database of financial credit information receives credit information provided by institutions engaged in credit business according to regulations.
The basic database of financial credit information provides inquiry service for the information subject and the information user with the written consent of the information subject. State organs can inquire about the information in the basic database of financial credit information according to law.