The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;
In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.
1,/-indicates that no account has been opened, and *-indicates that there is no repayment history this month. Data with a repayment period of more than one month are marked with this symbol, and the repayment frequency is irregular. If there is no repayment this month, it is indicated by *; This symbol is also used to indicate that there is no repayment in the month of opening an account. N-Normal (indicating that the borrower paid back the money of the current month in full and on time).
2.1-means overdue 1 ~ 30 days. 2 —— It means 3 1 ~ 60 days overdue. 3 —— It means 6 1 ~ 90 days overdue. 4 —— It means 9 1 ~ 120 days overdue. 5 —— It means overdue 12 1 ~ 150 days. 6 —— It means overdue 15 1 ~ 180 days. 7 —— It means that the overdue is more than 180 days.
3.D—— repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including repayment by the guarantor on schedule and partial repayment by the guarantor). Z—— Paying off debts with assets (means that the borrower repaid the loan by paying off debts with assets. Only refers to the part that pays off debts with assets).
4. c-settlement (The borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement, early settlement, debt settlement with assets, guarantor repayment settlement, etc. ). G—— Termination (any other form of account termination except settlement). # ——————— The repayment situation is unknown.
Extended data
Classification of credit reports:
1, personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;
2 credit transaction information, including credit card information, loan information and other credit information;
3. Other information, such as personal provident fund and pension information.
Credit stain: In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in personal credit reports.
The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records. ?
Baidu Encyclopedia-Credit Report
Baidu encyclopedia-credit information