Credit information is divided into three parts. The first part is personal basic information, the second part is credit information, and the third part is non-bank information.
1. Personal basic information includes personal identity, spouse identity, residence information, occupation information, etc.
2. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary and loan guarantee information summary for others.
3. Non-bank information refers to personal insurance and payment information, housing accumulation fund information, road maintenance fees, payment by telecom users, etc.
Extended data:
Maintenance method
First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take a credit card as an example, if the cardholder's billing address and mobile phone number change.
Only by going to the bank to modify the address and mobile phone number can you receive the credit card confirmation letter and statement on time, and you can receive the bank reminder message in time to ensure the security of the account.
If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.
Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record.
At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future.
Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years, but this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.
Baidu Encyclopedia-Zheng Xin