1. Another important feature of credit reporting is to respect the facts and let the facts speak for themselves, that is, the information is verifiable and recorded. Don't collect information with low accuracy, because objection handling will make credit investigation uneconomical from the economic level and affect the credibility of credit investigation.
2. To sum up, credit investigation refers to the activities 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.
3. The most important function of credit investigation is obviously to prevent losses in non-pay-as-you-go economic exchanges. A simple understanding of credit investigation refers to the collection and preservation of credit information of enterprises and individuals by professional and independent third-party institutions according to law, and the provision of credit reports, credit evaluation, credit information consultation and other services as needed, which is to help customers judge and control credit risks and conduct credit management.
Good credit information generally has the following characteristics:
1, not black. Don't have bad debts and overdue information in the credit information for more than 90 days. If this happens, it is a black household.
2. There are not many overdue times. Occasionally overdue is ok. But it is overdue for three months in a row, and it is not allowed to be overdue for six months within two years.
3, not white. Some people are white households. He thinks his credit information is very good. Actually, it is not. You just haven't dealt with the bank. Doesn't mean you have a good repayment habit.
4, not much. Don't be in too much debt for credit investigation. If the credit report shows that the debt is high, it means that you are short of money recently. Therefore, don't hang too much debt on the credit report.
5, not chaotic. Don't ask too much recently. If the number of queries in the last two months exceeds 10. Then such a credit investigation would be too messy. In the past 2 months, the institution has made no more than 5 inquiries. No query is the best.
6. Organize the records. If the credit report shows that there is a settlement record of car loan, mortgage loan or other loans. That shows that repayment ability and repayment habits are good.
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