On January 1, 2022, the most stringent credit reporting system in history was officially launched.

Attention, personal credit reporting is about to change dramatically. The following content is relevant to each of us. Friends who have received the credit report must read it carefully.

Recently, banks have issued new regulations to comprehensively upgrade the credit reporting system, which will be upgraded from the first generation to the second generation starting from January 1, 2022. In fact, at the beginning of last year, major banks began to update and upgrade their credit reporting systems, but the progress was slow and slow.

But this time, it really came. The central bank finally gave a deadline. Before December 31, 2021, all banks must complete the switch and go online of the second-generation credit reporting system. Some people commented Say, this upgrade is the most stringent in history, so what changes will this upgrade bring? How will it affect each of us?

First of all, in the future, couples*** With the same loan, the main lender is no longer the only one to bear the debt. Both people's credit reports will be reflected, further blocking the path of fake divorce and real house purchase.

Secondly, the collection of personal information will be more comprehensive and detailed. Compared with before, in the new credit report, your education, employment, email address, household registration address, mailing address, all mobile phone numbers under your personal name, as well as your residence information, workplace, and contact information in recent years, Even the above information of your spouse will be collected.

There is also the previous personal credit report, which shows the repayment records in the past two years and the overdue records in the past five years, while the second-generation personal credit report will show the repayments in the past five years. Records, overdue bad debts and other records will also be more detailed, and the display of the installment time and installment amount of large loans will also be increased, as well as related data information such as contract loans, revolving loans, credit agreement information and so on.

In addition to loan information, information on telecommunications, water service payment, tax arrears, civil judgments, enforcement, administrative penalties, subsistence allowance assistance, professional qualifications or industry awards, etc. will also be included. This has plugged the opportunistic loopholes.

In addition, the credit report will be updated in a more timely manner and inquiries will be more convenient. The update time of the first-generation credit report is relatively slow, as long as a month or even longer. The second-generation credit report system collects data on the same day and can submit it the next day. As for the first-generation credit report, you can only check the income with your ID card. A mobile phone number reported by the system for the most recent business under my name. As for the second-generation credit report, it will add valid document information such as passports and military certificates, and include the mobile phone numbers and information update dates reported by the system for the last five business transactions under my name. You But don’t think this is nothing. This means that the frequency of changing your mobile phone number will also become an important basis for loan review.

The last thing is to never give guarantees to others casually. Starting from this year, providing guarantees for others will also be reflected as your own liability in the credit report, which may affect the approval of personal loans in the slightest, and may affect the approval of personal loans in the worst case. If the guarantor or company encounters a debt crisis, your assets will also be frozen and your consumption will be restricted.

The above changes must be firmly remembered. It is recommended that you save them and watch them again and again. You must remember to maintain your personal credit record well, as the cost of personal breach of trust will become higher and higher in the future. In addition, I would like to remind everyone that you must not believe that you can repair your credit report by spending money online. Your personal credit report is recorded in the central bank system, and only the central bank can repair it. Even under special circumstances, if the bank applies for overdue elimination, you must also apply to the bank. Report to the Central Bank Credit Reporting System

.