Personal credit investigation is very important. 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 share credit information.

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records".

Personal credit report plays an important role in many fields, such as mortgage, credit card, private lending, job hunting, renting and so on. Personal credit report is a paper report that directly reflects personal credit.

First of all, we should buy a house, a car and a credit card. You need to check your personal credit report. If your personal credit report has a bad record, banks or other lending institutions will not lend;

Secondly, people with good credit are more likely to apply for loans, and the amount of loans they apply for is often higher;

Finally, people who reflect bad personal credit records through personal credit records may also affect their job hunting in the future. Because of your poor personal credit, you are a person without credit. Personal credit is very important in this society. For people with bad credit records, employers often consider it when recruiting.

If there are bad records on personal credit records, especially those on the "blacklist" of banks, it is more difficult to get loans.

What benefits does credit reporting have for us personally? As the saying goes, existence is right. So what is the significance of the credit information system that the country has vigorously established in recent years for us personally? To sum up, there are mainly the following points:

1, convenient for borrowing.

As the saying goes, "it is not difficult to borrow again if you borrow and pay back." If your credit report reflects that you are a person who pays back the loan on time and earnestly fulfills the contract, the bank will definitely like you, not only providing credit services such as loans and credit cards, but also giving preferential treatment in terms of quota and interest rate.

2. Fair credit.

Another great advantage of credit report is that it can help you get a fairer credit opportunity. The Credit Information Center provides the bank with an objective record of your credit history, "let the facts speak for themselves", which reduces the influence of the subjective feelings and personal emotions of loan officers on the results of your loan and credit card application, and allows you to obtain more fair credit opportunities.

3. Save time.

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in the loan application form.