Positive information: information about having a loan or credit card and repaying it normally; Negative information: information that the repayment has not been made according to the contract.
1. How to record personal credit:
The comprehensive record of personal credit, a file reflecting personal credit status, is the basic product of the basic database of personal credit information. In order to make the structure clear, the content of the credit report is divided into several parts according to the information type.
each section is a section, and each section is further divided into multiple sections. A single credit report consists of the name of the credit report and the content of the credit report. The credit report includes the beginning, the main body and the description of the credit report.
2. What does a bad credit record mean? This belongs to the limitation category of personal credit records. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, that is, credit stain.
Different banks have different approval criteria for personal credit records. With the change of time, the economic situation and repayment situation of consumers will also change. Banks will not always pay attention to consumers' early bad credit records.
Extended information:
Inquiry method:
In foreign countries, negative records are generally kept for 7 years, bankruptcy records are kept for 1 years, positive records are kept for longer, and inquiry records are generally kept for 2 years.
Individuals can check their credit reports in two ways:
First, when applying for a credit card or loan from a commercial bank, the bank will query the basic database of personal credit information, and individuals will take their own credit reports to check.
second, you can consult the credit management departments of China people's bank.
except users, only commercial banks can directly check users' credit reports when handling loans, credit cards and post-loan management, and must obtain users' written authorization in advance.
Baidu encyclopedia-personal credit