Sunshine insurance company and the central bank have a cooperative relationship, and they will collect credit if they don't go to the money. If you really don't feel at ease, go to the People's Bank of China to check your credit report, and you will know whether there is a credit report, but be careful not to check the credit report frequently.

Credit investigation plays an important and fundamental role in promoting the development of credit economy and the construction of social credit system. The first is to guard against credit risk. Credit information reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus playing the role of risk judgment and disclosure; The second is to expand credit transactions. Credit investigation solves the bottleneck problem that restricts credit transaction, promotes the achievement of credit transaction, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and mode of credit transaction, and drives the expansion of credit economy scale; The third is to improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions can be reduced, the transaction time can be shortened, the transaction space can be broadened, the operating efficiency of economic entities can be improved, and economic and social development can be promoted; The fourth is to promote the construction of social credit system. Credit information industry is an important part of social credit system construction. The development of credit information industry is helpful to curb the occurrence of bad credit behavior, protect the interests of trustworthy people, maintain a good economic and social order, and promote the continuous development and improvement of social credit system.

Problems with credit reports have the following hazards

1, unable to apply for a loan.

Some people may think that this has nothing to do with it, but neither loan business, daily consumption nor capital turnover can be carried out, and even the application for mortgage, car loan and online loan will be rejected.

You can't apply for a credit card any more.

The role of credit cards is self-evident. Compared with IOUs in JD.COM and Bai Hua, credit cards offer more discounts. For example, the 50% discount on food at China Merchants Bank every Wednesday is a real discount. Once you have a bad credit, it's the same in all banks, because all banks can find your credit record.

3. It will seriously affect personal life.

If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will cause borrowers to be unable to fly, to stay in star-rated hotels, and children to go to school.

4. The future has an impact on the other half.

It is said that the new version of credit information will not only show personal credit records, but also show the credit of husband or wife. If there is a bad record that will affect a family, such as the husband's bad credit record, then the wife's mortgage will also be rejected.