1, personal edition content
Personal basic information, credit records (including credit cards, loans, guarantees, asset disposal, etc.). ), public records (including tax arrears records, civil judgment records, enforcement records, administrative punishment records, telecommunications arrears records, etc. ), and query records (query records of institutions and individuals within two years).
2. The content of the bank version
Personal basic information (compared with the personal version, spouse information, company information, social security and provident fund information are added), credit record (different from the personal version, it will show the repayment record of each credit card and each loan within five years, whether it is cancelled or not), public record and inquiry record. The new version of the report also added anti-fraud warning, objection information tips, credit scores, subsistence allowances, professional qualifications, administrative rewards and other information.
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
The Measures for the Administration of Credit Information Business was deliberated and adopted at the 9th executive meeting of the Central Bank on September 30th, 20021,and is hereby promulgated and shall come into force as of June 30th, 2022.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information:
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;
5. Other information related to personal credit.
influencing factor
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Draft an administrative management bill
Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.