If the personal credit file is poor, the consequences will be very serious, food, clothing, housing and transportation will be affected and life will be inconvenient. Being an honest and trustworthy citizen of China and having a good personal credit file is the premise of normal life. "
Personal credit is related to many aspects in the future, such as mortgage, daily loan, personal consumption and personal credit in the future.
First, the national personal credit information database organized by the organization was officially put into operation. It is said that there are currently 340 million natural persons included in the national database, of which about 35 million have credit records.
This means that personal credit level will affect everyone's life, so improving and maintaining personal credit level will gradually attract attention.
2. According to the relevant person in charge of SDB Credit Card Center, the personal credit level is mainly reflected in the accumulated points of personal credit. The so-called credit cumulative score is the comprehensive score of personal credit within the bank. When a customer applies for a credit card, the issuing bank will consider his age, occupation, deposits, assets and housing.
Score each item according to a certain standard, and then summarize the accumulated credit score. If the points fail to meet the established eligibility criteria of the bank, the customer's application may be rejected. When individuals apply for various personal loans from banks, the accumulated credit score is also an important reference index.
Three, the credit score is generally set by the bank according to their own goals, a certain audit mode, issued to the applicant.
At the same time, banks will constantly adjust their models in their operations to achieve the best results, so banks will decide whether to provide credit to applicants according to their own set of policies and guidelines.
Four, generally speaking, the factors that affect the cumulative credit score mainly include marital status, technical title, work, economic ability, personal housing, credit record, education and so on.
Relatively speaking, customers who are married and have a good relationship between husband and wife will be more stable and more favored by banks than those who are single. The reporter saw from the simulated personal credit evaluation system provided by a bank that married people can get a whole level of credit promotion than unmarried people when other conditions remain unchanged.
However, the credit rating of high school education and undergraduate education has not changed. In addition, technical titles are the testimony of customers' working ability. Relatively speaking, borrowers with the titles of engineer, economist, accountant and excellent teachers at all levels are more favored by banks, and their credit often gets extra points.
Employees in industries with high job stability can also get extra points. For example, civil servants, teachers, doctors and some employees with good welfare benefits.
6. Also, owning a personal house can also show that an individual has a certain economic foundation and can get extra points. If the borrower used to have an account in the bank and often had funds coming in and out, his passbook will reflect the accumulated amount of past deposits. For customers who supported its development in the past, banks will also consider giving extra points as appropriate.
7. Taking the above simulation evaluation model as an example, even if the applicant's monthly income is only 1 000 yuan, if his work unit is a public institution and he has a house, he can still get the credit rating of a gold card.
More importantly, keep a good personal credit record. The relevant person in charge of CITIC Bank said that it would be relatively difficult for people without any credit history to borrow money. The beginning of establishing credit is to borrow money from banks.
Individuals who have no loan relationship with the bank have zero credit record in the bank; If you have a loan relationship with the bank and repay it on time, the accumulated points of personal credit will gradually increase. At present, personal microfinance and credit card overdraft repayment are the main ways for borrowers to accumulate credit accumulation points at first.
Nine, Ambow Zhongxin financial experts said that the key to repairing and maintaining credit is to repay on time. If the payment is expected to be delayed, you should contact the bank immediately, explain the reasons and strive for installment payment. If the repayment has been delayed, you can negotiate the repayment plan with the bank yourself or entrust a lawyer to reduce the amount of debt, reduce interest and clear the overdue repayment record.
And make good use of your credit card and remember to pay the bill within the repayment period. If you use your card every month, no matter how many times, and the monthly repayment is not less than the minimum amount, the credit report will show your personal stability and the record of correct use of credit. At the same time, we should try to avoid acts that damage credit. If unplanned excessive consumption leads to non-expenditure, it is often late payment, non-payment of bills, non-settlement of bills, non-access to credit records, etc.