Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and 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.
Extended data:
On-site inquiry process
Individuals should bring the original and 1 copy of their valid identity documents, fill in the "Personal Credit Report Inquiry Application Form" at the inquiry outlets, and submit the inquiry application. For individuals who make inquiries for more than 3 times in that year, the staff will inform them that they need to pay the inquiry service fee, and the individual will decide whether to pay the inquiry voluntarily. The fee is paid in cash at first, and will be gradually increased as needed in the future.
On-site inquiry charging standard
2065438+On May 28th, 2004, the central bank announced that the Credit Information Center of the People's Bank of China will implement a charging system for individuals to inquire about their credit reports from June 3rd.
Specifically, if an individual inquires more than twice a year, the service fee will be charged in 25 yuan every time, and it will be free twice a year ago. The number of personal inquiries in 20 14 years starts from June 3rd, 20 14, and the number of annual inquiries after 20 15 years starts from June 1 day of that year.
Baidu Encyclopedia-Personal Credit Report