Personal credit report without credit record means that the user has not applied for a loan or a credit card, that is, the user has never had credit activities with a financial institution and is a white account in the credit report. Such users cannot be evaluated because their loan repayment ability and credit status cannot be evaluated, so their application for credit cards or loans may be rejected.

The absence of records does not mean that the credit report is bad. If you are planning to apply for a loan at China Merchants Bank, review whether Being able to pass is based on a comprehensive assessment based on factors such as the type of business you applied for, personal solvency, credit status and other factors, and can only be determined after approval by the handling outlet. It is recommended that you provide relevant application materials and contact the personal loan department of the local China Merchants Bank branch for further verification.

Personal credit report

The personal credit report records personal credit information, mainly including personal basic information, credit information (whether there is a bank loan, whether there is an overdue credit card overdraft) records, etc.), non-bank information (payment information for water, electricity, gas and other public utilities, tax arrears, civil judgments, etc.). This information will affect individuals' lending behavior at financial institutions. For example, when applying for a personal mortgage loan, banks need to see the credit report. If you have good credit, you may get a discount, but if you have a past due record, you may have to raise the price or even be unable to get a loan. It can be said that a personal credit report is an individual’s economic ID card.

Personal credit record

It is an objective record of personal credit information. All personal credit payment history is recorded. Including: performance records resulting from credit relationships with financial institutions; performance records resulting from lending relationships with other institutions or individuals; performance records resulting from credit purchases with commercial institutions and public utilities; performance records arising from housing provident funds, social insurance and other institutions Performance records formed by economic relationships; records of unpaid taxes and fees due according to law; records of various commendations; and other criminal penalties, administrative penalties, administrative sanctions or civil compensation records that may affect personal credit status. Personal credit report is an important reference for the credit grantor to quickly and objectively decide whether to provide credit to the creditee.