According to Article 14 of the Regulations on the Administration of Credit Information Industry
It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations.
Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.
The circumstances affecting personal credit reporting are as follows:
Bad records in personal credit reports include the following:
1. Malicious overdue, and the past credit card repayment is not timely, resulting in long-term overdue or overdue amount, overdue times are more; The student loan applied for during the university period was not repaid in time, resulting in more overdue times or longer overdue time; Malicious overdue due to failure to repay other loans in time, and so on. Malicious overdue is the most common situation that affects loans.
2. The personal debt ratio is relatively high. If residents' existing liabilities account for a relatively high proportion, reaching more than 70% of their personal income, it will have an impact on their application for loans.
3. Guarantee huge debts for others. If residents use their own property such as real estate to guarantee huge debts for others, their assets will be greatly discounted, and there is even the danger of potentially incurring huge debts. So the bank won't lend him money easily.
4. Credit information is frequently inquired, and residents apply to banks for loans, credit cards and other credit products, and banks will inquire about residents' credit information records. If the credit records are frequently inquired, it means that the demand for residents' loans is too high and the risks are correspondingly high. Therefore, residents are not advised to apply for multiple credit cards at the same time.
Extended data:
Case:
First, too many inquiries about personal credit reports will affect the approval of loan applications.
Recently, a citizen, Mr. Chen, inexplicably told reporters that the bank refused its loan because there were too many inquiries in the credit report.
The reporter learned that if you inquire too much about personal credit reports, it will really have an impact on loans. In order to avoid frequent inquiries, some insiders suggested not to easily inquire about the loan amount, and to minimize credit card applications or Internet micro-loan applications.
At the same time, the Guangzhou branch of the central bank also reminded that when the credit report is found to be ultra vires, it can be reflected to the branches of the People's Bank of China.
Second, too many inquiries about the credit report will affect bank loans.
The reporter interviewed a number of banks in Guangzhou, all of which said that it would affect. A related person from ICBC Guangzhou Branch said that too many "hard inquiries" will have an impact on applying for bank loans. The so-called "hard inquiry" refers to the inquiry records generated by the audit of customers' financing applications, such as credit card approval and loan approval.
It is understood that the central bank's credit report can only be inquired by myself or my authorization.
However, China Merchants Bank Guangzhou Branch said that whether individuals make inquiries by themselves or authorize others to make inquiries, too many times of credit inquiries indicate that customers have great potential debt pressure and high potential risks.
Wu Chao, a loan analyst at Rong 360, told the reporter that, generally speaking, for a period of time, personal credit reports have been inquired by different institutions due to loans, credit card approval and other reasons, but the credit report shows that users have not been successfully approved for new loans or successfully applied for credit cards during this period.
Then, the bank has reason to speculate that the user's financial situation is poor and the repayment ability is worrying, and refuses the user's loan application request.
The official website, the Central Bank Credit Information Center, also shows that if the credit report is due to the review of loans and credit cards for a period of time,
Batch and other reasons have been inquired by different banks for many times, but the records in the credit report show that no new loans or credit cards have been obtained during this period, which may indicate that the information subject applied for loans or credit cards from multiple banks but failed, and such information may have an adverse impact on subsequent related applications.
However, the Guangzhou branch of the central bank said that the credit report is only a reference for bank lending, and whether or not to lend depends on the comprehensive consideration of the bank's customer situation.
So don't click on the loan amount query.
3. How many times is the inquiry of the credit report counted as frequent inquiry?
It is understood that individuals have the right to check their credit reports twice a year for free, and the rest are charged 10 yuan.
Even if I seldom or never check the credit records, in fact, when I sign a loan agreement with a financial institution, there will be clauses in the contract that authorize the financial institution to check.
The reporter found that the frequency requirements of banks for inquiring about credit information are not consistent. However, many banks refuse to disclose internal risk control rules because they cannot be made public.
Some insiders said that 1 month should not exceed 5 times, and 2 months should not exceed 10 times.
Fourth, how to avoid asking too many questions?
Some bankers reminded that it is not easy to click on the Internet to inquire about the loan amount. According to reports, before, some customers clicked on the "micro-loan" business in WeChat wallet to inquire about the quota, but Tencent's "Shenzhen Qianhai Weizhong Bank Co., Ltd." inquired about the personal credit record of China People's Bank on the grounds of "loan approval".
And this behavior had an impact on his later mortgage application. However, Weizhong Bank also gave relevant solutions and issued a "no loan certificate" for customers, which dispelled the doubts of other lending institutions.
Wu Chao pointed out that applying for too many credit cards and frequently applying for small loans from mutual fund companies may also lead to frequent credit records inquiry in a short time.
The Guangzhou branch of the central bank also reminded that if the credit report is found to be beyond the authority, it can be inquired through the inquiry institution or reflected to the branches of the People's Bank of China.
In addition, Wu Chao also specially reminded that "credit record" can be regarded as an individual's "economic identity card". It can not only affect the approval and interest rate of personal loans, but also affect daily life. For example, more and more services are linked to credit records. The better the personal credit, the more convenient the service you enjoy.
It is understood that in addition to paying attention to inquiry records, credit records also include personal basic information, credit information, information on non-financial liabilities paid by telecommunications, tax arrears, and public information on administrative law enforcement.
Don't cancel the credit card immediately after paying it off as soon as possible.
Guangzhou Branch of the Central Bank said that the "bad information" in the credit report refers to the information that the information subject has not fulfilled its obligations in accordance with the contract in activities such as lending, credit purchase, guarantee, lease, insurance and credit card use, and the information that the information subject has been subject to administrative punishment.
The information that the people's court judges or orders the information subject to perform obligations and enforce, as well as other information stipulated by the supervision and administration department of the State Council credit information industry.
Bad information will be displayed for 5 years from the date of termination of bad behavior or event, that is, overdue records will be displayed for 5 years from the date of repayment, and will not be displayed in the credit information system of China People's Bank after 5 years.
Recently, Miss Feng, a citizen, regretted being refused loans by many banks because her credit card was overdue for many times.
Wu Chao reminded that if you have a loan or use a credit card, you should pay attention to living within your means and repay on time to avoid overdue. If there are overdue records, you should repay them as soon as possible and take active measures to avoid recurrence.
In particular, it should be reminded that if the credit card is overdue, it should be paid off as soon as possible. However, if the card is cancelled immediately at this time, the bad record will still be displayed in the credit record, and there is no new repayment record. The best way is to continue to use the card for two years after paying off the arrears (general financial institutions only look at the credit records of the last two years). Although there are bad records in the credit records, they have also accumulated new repayment records on time.
Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry
People's Daily Online-These 13 bad credit records will affect the mortgage, do you know?
People's Daily Online-There are too many personal credit reports, which affect the loan.