What is a credit report?
It 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 maintenance method:
When the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also 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.
Eliminating credit cards does not eliminate personal bad records. The credit record is accompanied by the cardholder's personal identity information, 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, and the credit card bill must be paid off.