Is the World Credit Information Reliable?

World credit is a financial tool. Users can query their own and enterprise's credit reports in real time through Tianxia Credit Information, and can also query others' credit reports through online authorization application! Tianxia Credit Information is a comprehensive mobile Internet credit information service platform, including comprehensive credit information report, personal credit information report, credit authorization, personal credit score, report of dishonesty, wealth assessment, salary forecast, credit card and life service.

It integrates the advantages of 15, such as data resources, technical resources, service experience and service channels, and is the perfect presentation of "Mobile Credit Information in internet plus". World Credit can be queried at high speed, personal data can be generated with one click to report privacy and security, multidimensional data certified by information security management system, nearly 30 authoritative data interpretation suggestions, professional qualification interpretation of personal dishonesty information, national high-tech enterprises, enterprise credit filing, three-level protection of information system security level, and safe operation 18 years.

The characteristics of world credit:

1. Check the credit reports of yourself and your company in real time, and apply for online authorization to check the credit reports of others.

2. Conduct credit evaluation and credit investigation on people and institutions in social activities, help others reduce risks and create a circle of honest life. Personal credit information is recorded in the credit information, mainly including personal basic information and credit information (whether there are bank loans, overdue records, credit card overdraft records, etc.). ), as well as non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.

Importance of credit investigation:

1, related mortgage, car loan to buy a house, car loan and personal credit will all be included in the assessment. Even if you don't buy a house or a car, even if it is other loans, lending institutions will still evaluate personal credit information.

2. It is related to business or tourism, and it is inseparable from taking cars, trains, planes, high-speed trains and other means of transportation. If the credit record is bad and serious, then these modes of travel are basically beyond your power. Credit information will be related to your food, clothing, housing and transportation, including consumption, accommodation, online shopping and travel. Moreover, to put it simply, credit investigation is an activity that a professional and independent third-party organization establishes a credit file for you, collects and objectively records your credit information according to law, and provides your credit report to the outside world according to law.

Credit information records your past credit behavior, which will affect your future economic activities. According to the latest regulations, the retention period of bad information is set at five years, and the debts will be paid off after the expiration. You have to wait five years before bad records will be deleted. If you become a loss-making customer of the bank, you will lose the bank forever, which will only add icing on the cake. In other words, if there are personal problems in the credit investigation, then the application for time, credit and loan will definitely be rejected.

Through multi-dimensional and multi-angle statistics and analysis of the overall operation of the credit market, the credit information system can provide data support for national financial supervision and macro-control, help government departments monitor credit quality and risk composition, keep abreast of social credit trends, prevent unexpected events from having a major impact on the national economy and people's livelihood, and maintain social stability.

For example, the original intention of building a central credit registration system in Europe is to serve the needs of financial supervision. For example, Italian regulators use credit databases to measure the capital requirements and overall risk composition of commercial banks.

Finally, a person with a good credit record will enjoy many conveniences and benefits in borrowing money, handling credit cards and daily life, but once a person's credit record is stained, he will encounter some troubles. All the bad records in the credit report will affect our lives. Once blacklisted, we will not only be unable to handle banking-related business, but also be unable to buy air tickets and high-speed rail tickets. No matter where the train goes, we can only take hard seats and stay in hotels, and the bank card under our name can't pay for high-end consumption.

The third misunderstanding that credit information is prone to problems is that there are too many times of credit information inquiry. You know, every time we apply for a credit card, apply for a loan, or click on the SMS link to apply for a credit card loan, and there are some loan advertisement links in the small video, we will check our credit information. More than three times in two months, more than six times in half a year will lead to the failure of loan approval and affect our credit.