Personal credit reports generally include the following parts:

1. Personal identity information

Including the name, gender, age, and work unit of the party whose credit is being reported. , contact address and other information used to identify individuals.

2. Credit

List the details of each credit card and loan business, and specifically show the past debt history of the party being credited. Credit reporting agencies and credit-granting banks often analyze consumers' behavior and consumption preferences from this information, and judge their future repayment ability based on their past willingness to repay.

3. Non-bank credit

Record consumers’ payment status for communications, water, electricity, and coal, such as whether mobile phone usage is normal, whether public utilities are in arrears, etc.

4. Query records

It is a summary of all the records that have been queried by the individual in the last 6 months.

5. Objection record

If the party being credited has any dispute with the content reflected in the report, it can reflect it in this section by adding a statement. The individual has the right to submit a statement. Objections reflect the protection of legitimate rights and interests of individuals and are also an important way for credit reporting agencies to correct and update information.

6. Overdue status

Generally recorded in monthly units. "N" represents normal repayment, "*" represents no repayment business. Overdue for 30 days is counted as "1", 60 days is counted as "2", 90 days is counted as "3", and the maximum is more than 180 days. Counted as "7", the number will not increase after that, but will always be displayed as "7".

Extended information

Credit reporting plays an important and fundamental role in promoting the development of the credit economy and the construction of the social credit system.

1. Prevent credit risks.

Credit reporting reduces the information asymmetry of the parties involved in the transaction, avoids transaction risks caused by information asymmetry, and thus plays a role in risk judgment and disclosure.

2. Expand credit transactions.

Credit reporting solves the bottleneck problem that restricts credit transactions, promotes the completion of credit transactions, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and methods of credit transactions, and drives the expansion of the scale of the credit economy. .

3. Improve economic operation efficiency. Through professional credit information services, the cost of information collection in transactions is reduced, transaction time is shortened, transaction space is expanded, the operating efficiency of economic entities is improved, and economic and social development is promoted.

4. Promote the construction of the social credit system.

Developing the credit reporting industry will help curb the occurrence of bad credit behaviors, better protect the interests of trustworthy people, maintain good economic and social order, and promote the continuous development and improvement of the social credit system. .

Baidu Encyclopedia--Credit Information

Baidu Encyclopedia--Credit Information System of the People's Bank of China