Credit report is an individual's "economic identity card", which records information such as loan repayment, contract performance, and law-abiding.
It includes five types of details.
1, basic information (ID card, residence information, occupation information, other personal information, etc. )
2. Credit investigation (record all loan repayment information, including online loans, credit cards, mortgages, etc. )
3. Non-financial liability information (such as telecom payment, etc.). Information formed by consumption before payment)
4. Public information (social security accumulation fund information, court information, tax arrears information, administrative law enforcement information, etc.). )
5, query information (credit report records left by each query
)
Second, where does the information in the credit report come from?
1, lending institution
2. Public utilities
3. Courts and government departments, etc.
Three. How often is the credit report updated 1 time?
The content of the credit report is updated every day, and most institutions need to submit data to the updated system every day, so the credit report basically records the personal credit situation in real time.
4. Will bad records be recorded in the credit report for life?
The recording time of credit information should be divided into error information, positive information or bad information. Bad information will be kept for 5 years, positive information will always be displayed in the report, and wrong information will be corrected in time.
5. Will the overdue information of1day constitute a bad record?
This is determined by various institutions. General banks and other institutions will set a grace period. However, if there is no bank with grace period, the repayment date will be recorded in the credit report. You can consult the loan bank to confirm the relevant information.