First, the impact of loans.
If you have a bad credit record, you may not be able to get a loan in the bank or even a credit card in the future.
Second, it affects travel.
If there is a bad credit record, the car will be dismantled and incorporated into the credit information system, and personal travel will also be affected, such as not being able to take the plane or train.
Third, it affects employment.
Some companies will conduct background checks before joining the company. If they find a bad credit record, they may not be able to join the company.
Fourth, affect the family.
Bad credit records not only have an impact on themselves, but also have a certain impact on families. For example, if a husband and wife stay in a hotel, if one person has a bad credit record, then the other person who wants to borrow money to buy a house or a car may be rejected.
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. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the 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 evaluated by various large, medium and small enterprises;
(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.
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