The method to understand personal credit report is as follows:

1. "Inquiry time" is not equal to "reporting time". "Inquiry time" refers to the time when the system receives the inquiry application from the inquiry operator; "reporting time" refers to the time when the system generates your credit report after receiving the inquiry application.

2. Marital status information does not come directly from the Civil Affairs Bureau, but is provided by the financial institution you handle business with, and its content comes from the information you provide to the financial institution.

3. Information summary includes asset disposal information, guarantor compensation information, credit cards, housing loans and other loans, respectively summarizing the number of your accounts, the number of overdue accounts and the number of guarantees for others.

4. The "number of accounts" is not equal to the number of credit cards. "Number of accounts" refers to how many credit card accounts, housing loans, and other loans you have under your name. What needs special attention here is that the "number of accounts" is not the same as the number of credit cards. Generally, for a dual-currency credit card (including RMB account and US dollar account), commercial banks calculate the number of accounts as 2, and your credit report shows that the number of credit card accounts is 2.

5. "Number of unclosed accounts" and "Number of unsettled accounts". "Number of unclosed accounts" refers to the number of unclosed credit card accounts under your name (including those in use and those that have not yet been activated). "Number of outstanding accounts" refers to the number of outstanding housing loan and other loan accounts under your name.

6. "Overdraft balance" is not equal to "used limit". "Overdraft balance" and "used limit" both reflect the amount of money you owe the bank (including principal and interest), but they are expressed in two ways for different business types. Quasi-credit cards are displayed as "overdraft balance" and credit cards are displayed as "used limit".

7. The "overdue amount" of a credit card refers to the amount that you have not repaid on time or in full as of the deadline for repayment, as well as the resulting interest (including penalty interest) and Fees (including over-limit fees and late fees).

8. "Public *** records" include your tax arrears records, court civil judgment records, enforcement records, administrative penalty records, and telecommunications arrears records in the past five years. When you do not have public records, this section does not display detailed information.

9. "Inquiry record" reflects the history of inquiries on your credit report, showing which institution or person inquired about your credit report at what time and for what reason. The display content includes the date of inquiry, the person who inquired and the reason for inquiry.