What does it mean to be a white household with credit information?

The so-called white credit account is a user who has no loan record or credit card record in his credit report. Generally, when applying for bank credit products, you need to provide a personal credit report. The bank will evaluate the applicant's credit status according to some credit records on the credit report. Generally speaking, credit records include past loan repayments and credit card usage. Sometimes, credit investigation is not conducive to the application of credit products, because banks cannot obtain effective information from credit investigation.

1, many people find it difficult to understand that white families have bad loans. In fact, it is difficult for white families to apply for loans because of the blank credit report.

2. When handling the loan business, because the lending institution needs to judge the borrower's performance ability and repayment ability through the loan records and credit records in the credit report, it is necessary to review the borrower's personal credit report. If the borrower's personal credit report is blank, the lending institution cannot judge the borrower's credit status from the credit report.

3. In this case, in order to avoid risks, lending institutions may not consider lending, which is also the main reason why loans for white households are easily rejected.

Therefore, if it is a white family with credit information, it is recommended to apply for a credit card first. Now the threshold for applying for a credit card is low. Before handling the loan business, we can use credit cards to maintain credit information.

1. Credit information is a Chinese character, and its pinyin is zhēngxìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, and providing services such as credit report, credit evaluation and credit information consultation to help customers judge and control credit risks and carry out credit management activities. It comes from the words of a gentleman in Zuo Zhao's Eight Years as an Official, so he hates leaving his body. Among them, "loyalty and trustworthiness" means that their words can be verified or verified by credit reporting.

2. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit information.

3. Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation.