One is personal basic information.
(such as name, gender, ID number, home address, date of birth, work unit,;
The second category is credit transaction information.
Mainly includes credit card information (such as card processing time, bank, repayment status, etc. ), loan information (such as mortgage to buy a house, time to buy a car, loan balance, repayment status, etc. ), and guarantee other people's information.
The third category is other information (such as personal provident fund and pension information, etc.). ).
It is reported that with the maturity of credit conditions, personal credit reports will also include personal tax arrears information, court judgment information, telecom payment information and so on.
What are the contents of personal credit report?
1. Report title
Personal Credit Report.
2. Title of the report
It is the identification information of the credit report, including the report number, the report generation time, and the name, certificate type, certificate number and marital status of the information subject.
3. Credit history
Reflect the summary and detailed information of the loan or credit card account handled by the information subject in various commercial banks or other credit institutions, including basic account information, current repayment information and overdue information. It is displayed in three categories: credit card, housing loan and other loans.
4. Public * * * records
Non-credit information that reflects the information subject includes tax arrears records, court proceedings records, execution records, punishment records, and telecom arrears records in recent five years.
5. Query records
It reflects the historical records of the inquired credit reports in the past two years, and shows which institution or who inquired about the person's credit reports when and why, so as to ensure the security and confidentiality of the information subject.
6. Description of the report
Including credit report generation principle, credit investigation disclaimer,
In order to make everyone understand the personal credit report, Chengdu Branch of the People's Bank of China stressed yesterday that the key is to understand several symbols. To this end, we take this part of the housing mortgage loan information in Zhang's personal credit report as an example to make an interpretation for readers.
In personal credit reports, there are usually the following symbols:
/-indicates that no account has been opened;
*-indicates that there is no repayment history in this month, and the data with repayment period longer than this month are marked with this symbol, and the repayment frequency is irregular, so there is no repayment behavior in this month. This symbol is also used to indicate that there is no repayment in the month of opening an account.
N- Normal (indicating that the borrower has repaid the current month's money in full and on time);
1- 1 ~ 30 days overdue;
2 —— It means that it is 3 1 ~ 60 days overdue;
3-61~ 90 days overdue;
4 —— 9 1 ~ 120 days overdue;
5 —— means overdue 12 1 ~ 150 days;
6 —— means overdue 15 1 ~ 180 days;
7 —— It means that the overdue is more than 180 days;
D —— repayment by the guarantor (indicating that the guarantor has repaid the borrower's loan, including timely repayment by the guarantor and partial repayment by the guarantor);
Z-Debt-to-equity swap (indicating that the borrower's loan has been repaid by debt-to-equity swap. Only refers to the part that pays off debts with assets);
C —— Settlement (The borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, settlement on behalf of guarantor, etc. );
G- termination (any other form of account termination except settlement).