credit report
Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved. On June 65438+1October 65438+September, 2020, the second generation credit information system was officially launched.
Classification:
First, personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;
Second, credit transaction information, including credit information such as credit card information and loan information;
The third is other information, such as personal provident fund and pension information.
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted. Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
In the early days of the establishment of China's credit system, many people paid insufficient attention to personal credit, so credit card or loans overdue behavior appeared. Because banks and work units will refer to these credit records, long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.