1, formed in different ways: the personal credit report is automatically generated by integrating the information submitted by the bank, and the information has a fixed submission format and can be generated in batches; Personal credit investigation report is a targeted investigation result made by a professional commercial investigation company according to the requirements of the client for a specific object.

2. Different contents: the contents of personal credit reports are fixed, and the scope and format of information submitted are strictly stipulated in the Regulations on Credit Management; However, the content of personal credit report is based on the needs of clients, and the content is not uniform.

3. Different uses: Personal credit reports are generally used for loans, credit card (debit card) approval or post-loan management by banks or lending institutions, and personal credit reports are more used for commercial transactions.