2. Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and is the basic product of the basic database of personal credit information. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments.
3. The personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report.
Extended data
Overdue interest: refers to the penalty interest caused by loans overdue, specifically refers to the overdue penalty interest of the lender who fails to repay the loan according to the contract.
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Credit information
1. Personal basic information used to identify individuals and reflect their family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
Baidu encyclopedia-overdue interest
Baidu Encyclopedia-Personal Credit Information
Baidu encyclopedia-credit information