if the credit card is frozen, the bank may unfreeze it automatically, or it may require the user to apply for it voluntarily.
Personal credit investigation refers to the activities that a legally established personal credit investigation agency collects and processes personal credit information, and provides personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting the information collected according to law.
Credit report:
At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, recruitment and job hunting. In addition, the personal credit report also provides the inquirer with a way to examine and standardize his own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information:
1. Personal basic information to identify individuals and reflect their family and occupation;
2. Personal credit information formed by personal credit relationship with financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public information related to personal credit formed by administrative organs, executive bodies of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
Influencing factors:
The main factors that may affect the personal credit risk score are: overdue repayment in the loan, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards, etc.
Regulations on Credit Information Management:
Article 25: If the information subject thinks that the information collected, saved and provided by the credit information agency is wrong or omitted, he has the right to raise an objection to the credit information agency or the information provider and ask for correction.
when a credit reporting agency or information provider receives an objection, it shall mark the relevant information with an objection according to the regulations of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 2 days from the date of receiving the objection, and give a written reply to the objection.
after verification, it is confirmed that there are errors or omissions in relevant information, and the information provider and credit reporting agency shall correct them; If it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.