New rules for credit reporting in 2022

1. After the new version of credit reporting is launched, the frequency of credit reporting is reported according to T+ 1, that is, it is updated every other day. Compared with the old version, it is faster to update and can better record the credit status of users.

2. Both husband and wife, as * * * borrowers, such as both husband and wife borrowing money to buy a house, will be reflected in the credit information of both parties, and no longer only the main lender will bear the debt.

3. Bad information in personal credit information, such as overdue and bad debts, shall be kept for 5 years from the date of termination, with more detailed records. Even if the account is cancelled, there will still be relevant records.

4. The installment time and installment amount recorded in the new personal credit report are included in the liabilities, and the records are more detailed.

5. Complete display of education information, employment status, e-mail information, mailing address, household registration address and all personal mobile phone numbers. And the spouse's information is relatively complete, such as name, certificate type, certificate number, work unit and contact telephone number, which records the personal detailed residence information in recent years.

6. The information inquiry of valid documents such as passport and military officer's card has been added, and the mobile phone number and information update date reported by the business system in my name for the last five times have been included.

7. In addition to the loan information, it also recorded information such as payment, tax arrears, civil rulings, execution, administrative sanctions, subsistence allowances, professional qualifications, and administrative incentives for telecommunications and tap water services.

8. Guaranteeing others will also be credited, which will be reflected in your own liabilities. It may affect the approval of personal loans, or personal assets may be frozen, limiting consumption.

legal ground

Measures for the administration of credit information business

Article 4 To engage in personal credit reporting business, it shall obtain the permission of the personal credit reporting agency of the People's Bank of China according to law; Engaged in enterprise credit information business, shall handle the enterprise credit information institutions for the record according to law; Engaged in credit rating business, it should be handled by credit rating agencies for the record according to law.

Article 8 Credit reporting institutions shall not collect credit information in the following ways:

(1) Deception, coercion or inducement;

(2) charging the information subject;

(three) collected from illegal channels;

(4) Infringe upon the legitimate rights and interests of the information subject by other means.

Twentieth personal bad information collected by credit reporting agencies shall be kept for five years from the date of termination of bad behavior or incident.

When the retention period of personal bad information expires, the credit reporting agency shall delete personal bad information in its external services and applications; As sample data, it should be anonymous.