In addition, letters, special symbols and numbers commonly used in credit investigation have the following meanings:
"n" means normal repayment;
"*" indicates that there is no repayment history in the current month;
/'is an unopened account;
"D" is the repayment of the guarantor;
"Z" refers to the repayment completed by paying debts with assets, and only refers to the part paid debts with assets.
"#" indicates that the repayment status is unknown;
"G" means closing (any other form of account termination except settlement).
The number 1 to 7 is the number of days overdue, and "1" means 1-30 days overdue; "2" means 3 1-60 days overdue; And so on to "7" means the overdue is more than 180 days.
The credit report directly reflects the personal credit situation. Credit cards and loans must be repaid on time, so as not to affect life.
Extended data:
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.
From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
classify
1. According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.
Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. have
In some countries, these two types of business are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in one country, there are both institutions engaged in personal credit investigation and institutions engaged in personal and corporate credit investigation business types, which are generally unrestricted and decided by credit investigation institutions independently according to the actual situation. In the United States, credit reporting agencies have three main business models:
(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;
(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;
(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.
2, according to the service object can be divided into credit, business credit, employment credit and other credit.
The main service object of credit investigation is financial institutions, which provides support for credit decision-making; Commercial credit information mainly serves wholesalers or retailers and provides support for credit sales decision-making; The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;
In addition, there are other credit activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.