How often is the credit information updated?

The old version of the central bank's credit information system will update the credit information report once a month. The specific update time depends on two factors, one is the time when commercial banks report data, and the other is the update time after PBOC receives data. After collecting personal credit information every month, commercial banks will report it to the personal credit information database of the central bank's credit information system, which may be once a month or once every two months under special circumstances; After receiving the data reported by business-related institutions, PBOC will generally update it within 1~2 months. However, after the new version of 20 19 goes online, all institutions are required to submit data to the credit information center at the collection time T+ 1, which means that the data you collected on the 20th of this month must be reported on the 20th of this month, so the central bank will update the credit information report this month, and the latest credit information will be displayed after the update is successful. The new version of the credit report is more and more strict in the assessment of information, and there is less and less information that can be hidden for individuals.

1. 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 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 reporting. 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". 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

2. The appearance of credit investigation makes it easier for banks to understand the credit status of borrowers: banks hand over their credit information about borrowers to a special institution for summary, and this special institution establishes credit files (that is, personal credit reports) for borrowers, and then provides them to banks for use. This kind of activity that banks enjoy credit information through third-party institutions is credit investigation, in order to improve efficiency and save time. With the intervention of credit reporting agencies and reports, when borrowing from banks, bank loan officers can check the borrower's credit reporting after obtaining the consent, and then spend some time focusing on verifying some problems, and will soon tell the borrower whether the bank provides loans to the borrower. In China, the Credit Information Center of the People's Bank of China is a specialized institution that establishes "credit files" and provides personal credit information for commercial banks.

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