1、What is a credit record?
Credit records refer to the establishment of credit files by professional and independent third-party institutions for individuals or enterprises. It provides a comprehensive and truthful record of the user's debt repayment, contract compliance and compliance with the law. High-quality credit behaviors such as repaying money on time will be recorded, as will defaults such as overdue or non-repayment of borrowed money. At present, personal credit records are mainly stored in the credit information system of the People's Bank of China, and inquiries are provided to the person in the form of credit reports.What is recorded in the credit report? 1) Basic information: including identity information, residence information, occupation information, etc.
2) Credit information: refers to the information on debt repayment, the core information in the credit report.
3) Non-financial liability information: information formed by consumption first and payment later, such as communication payment, water and electricity payment, etc.
4) Public information: social security provident fund information, court information, tax arrears information, administrative law enforcement information, etc.
5) Check information: Who checked your credit report when, and for what reason.
Why should we pay attention to good credit reporting?
Credit reporting is residential"Economic ID card"It is mainly used as an important reference for financial institutions to evaluate the repayment ability and willingness of loan and other service applicants. Therefore, fulfilling contractual obligations and repaying loans on time in economic activities are the most effective behaviors for users to maintain good credit.
How to maintain a good credit history is very important, and it is important to apply truthfully according to personal needs to ensure that the information is accurate; Be sure to remember the time of loan repayment, perform the loan on time and in full, and maintain a good credit record; It is necessary to provide prudent guarantees to avoid affecting the bank's evaluation of the individual's ability to repay the loan.