Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.
First, personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;
Second, credit transaction information, including credit information such as credit card information and loan information;
The third is other information, such as personal provident fund and pension information.
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted. Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
Extended data:
What is the credit report of 100 banks?
Hundreds of banks' credit information is mainly aimed at personal credit information activities in the fields of peer-to-peer lending except traditional financial institutions such as banks, securities and insurance.
In the past, except for bank credit investigation, which was enjoyed by financial institutions, other non-governmental organizations were in an information island state, which was not conducive to inquiring about borrowers' honest behavior.
For example, the borrower Xiao Li, for example, borrows money from Platform A and repays it on time, and is a high-quality user of Platform A; At the same time, he also borrowed money from platform B, but it is 400 days overdue, and his sesame credit has more than 700 points. Because there is an overdue record, the bank can't find this record, and Xiao Li may borrow money from the bank.
This situation is mainly due to the fact that each platform has different understanding of user credit information and does not know the credit status of users between platforms. After the establishment of people's credit information, the central bank can integrate various pieces of information and draw accurate portraits of users, covering a wider range.
Credit big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms. You can quickly find problems in your online loan big data, accurately and comprehensively query, and solve problems in online loan big data in time.