What are the contents of the credit report?

The credit report will display basic information, credit information, public information, objection records and inquiry records. Basic information mainly includes name, ID number, marital status, etc. Credit information includes mortgage loans, credit cards and credit loan records. Public information records water and electricity costs, gas costs, taxes, etc. , and the objection record is to submit an objection when checking the credit information. Query record means that every time you query a personal credit report, you will leave a query record.

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 and credit information consultation services, helping customers to judge and control credit risks and carry out credit management activities. From Zuo Zhuan Zhao Zhuan Gong Eight Years, "A gentleman keeps his word, so his resentment is far greater than his body". Among them, "collecting by faith" means that the words can be verified to be credible, or the credit can be solicited and verified.

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 institutions to enjoy credit information.

2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.

Reasons and reasons

If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can pay back the money on time; Whether you have borrowed money before, and whether you have a record of not paying back the money. Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company to visit. It will be two weeks or more before the bank tells you whether to lend you money. The bank is really tired and you are annoyed. Borrowing money is really troublesome.

The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will create a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit information through third-party institutions is credit inquiry. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reports, when you borrow from the bank again, the bank loan officer can check your credit report with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank provides loans for you. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" for commercial banks and provides personal credit information.