Extended data:
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit report is a way to collect, sort out, save and deal with the credit information of natural persons, legal persons and other organizations according to law; According to the Report on the Development of Credit Information Industry in China (2003-20 13) issued by the People's Bank of China, forwarded by the Central People's Government of People's Republic of China (PRC) (China), the credit report is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.
Credit investigation includes personal credit and enterprise credit. Of course, there are also government credit reports, but they can be ignored. Credit report is a way to collect, sort out, save and deal with the credit information of natural persons, legal persons and other organizations according to law.
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.
Because the relevant departments have not clearly defined the restrictions on negative records, in the old version of the central bank's personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.