According to Baidu Encyclopedia, "Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and conduct credit management. Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".
Those things are recorded in the credit report? What's on the credit report? There are two kinds of sincerity that the general public can understand at present. One is online credit inquiry, which can be directly inquired in official website, the Credit Information Center of the People's Bank of China, but the content is relatively brief, and banks generally do not use it as a reference. We say that the credit report used by banks for loan review is generally the personal detailed credit report of the central bank, which mainly includes personal information, such as age, marital status, work record, social security and so on. , as well as details and repayment of personal credit cards, quasi-debit cards and personal loans. Our so-called bad credit information generally means that the credit information record shows that the customer is overdue. Among them, the bank will show all the bad overdue records of credit cards and loans in the past five years and all the repayment records in the past two years in the credit report. So remember, even if you are black, no matter how bad, you will be a hero in five years. By the way, some people think that the loans of private small loan companies are not bank loans and cannot be repaid at will. In fact, many small loan companies are now connected to the central bank's credit information center, so don't be lucky.
How do different levels of bad credit information affect loans? Credit information represents a person's credit situation, and the bank will give you a loan according to your credit situation.