Credit information is updated by the central bank's credit information system, usually once a month, mostly at the beginning of the month. The update time of personal credit information is different because the specific update time of personal credit information is related to the time when commercial banks submit information and the time when China People's Bank receives data. The central bank's credit inquiry will record in detail the credit card and loan use and repayment information of users in the past 60 months.
Credit investigation refers to 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 carry out credit management activities. 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.