Many citizens have reported that they do not understand what circumstances will leave bad records and how to avoid stains on their credit reports. To this end, I interviewed people in the industry to clear up your doubts.

I logged into the personal credit information service platform of the People's Bank of China Credit Information Center and inquired about my personal credit report. The report body is divided into three parts: credit records, company records, and inquiry records.

Among them, the "credit record" lists in detail the credit card (debit card) accounts you have, home purchase loans, other loans and guarantees for others. The personal credit report shows that a credit card (debit card) applied for in 2012 was overdue for 2 months.

We learned from the Credit Reference Center of the People's Bank of China that overdue records such as credit card (debit card) overdue repayment, mortgage loan repayment, providing guarantee for a third party but the third party failed to repay on time, etc. will be displayed. on personal credit reports. In addition, if you have applied for a car loan, operating loan, student loan, etc., the relevant information and overdue information will also be recorded in your personal credit report.

In the "Public *** Records" section, the personal credit report shows that "there are no tax arrears records, civil judgment records, enforcement records, administrative penalty records, and telecommunications records in the system for the past five years." Arrears Record”. This means that all public information provided by the department will be presented in personal credit reports.

In a personal credit report sample provided by the People's Bank of China Credit Information Center, there are tax withholding penalties from a local tax bureau, license revocation penalties from a construction management service center, and house purchase and sale disputes in divorce disputes by the court. Judgments, etc., also appear on personal credit reports.

Mr. Guo from Qingshan has applied for credit cards (debit cards) from 4 banks. When applying for a card, bank staff remind you that you must repay the loan in time, otherwise you will enter the "blacklist" of the People's Bank of China's credit reporting system.

According to the People’s Bank of China Credit Information Center, there is actually no such thing as a “blacklist”. Credit reports only objectively record personal credit transaction information and do not give a "good" or "bad" conclusion. The personal credit report also shows that, unlike personal credit agencies such as "Sesame Credit", the People's Bank of China's credit report does not directly give personal credit ratings and scores.

"The so-called 'blacklist' is actually a judgment made by each bank based on credit reports." A bank source told. It is understood that when commercial banks judge a person's credit status, they focus on their recent credit transactions. If a customer occasionally makes overdue payments, but then repays in full and on time, it is enough to prove that the customer's credit status is developing in a good direction. At present, most commercial banks use six or more overdue repayments as a criterion to determine whether an individual has a bad credit record.

It is worth noting that the "Inquiry Record" item in the credit report will reflect the history of inquiries on the credit report. If over a period of time, the credit report has been inquired by different banks many times due to loan, credit card (debit card) approval, etc., but no new loan or credit card (debit card) has been obtained during this period, it may mean that the consumer has requested I applied for a loan from several banks or applied for a credit card (debit card) without success. Such information may have an adverse impact on obtaining a new loan or applying for a credit card (debit card).

However, according to the "Credit Reporting Industry Management Regulations", credit reports only show consumers' overdue records within the last five years. In other words, bad records will not stay with you for life. After consumers pay off their debts, overdue records from 5 years ago will be automatically cleared.

The relevant person in charge of the credit card (credit card) center of a state-owned bank in Han Dynasty reminded that once consumers find that there is a bad record on their credit card (credit card), they must not cancel the credit card (credit card). Instead, you should continue to use it after paying off the debt, covering the previous negative records with good records to prove that your credit situation is improving.

The People's Bank of China Credit Information Center recommends that citizens should develop the habit of regularly checking their credit reports. At present, citizens can go to credit reporting centers across the country or log in to the Internet personal credit information service platform to run inquiries. Once they find that the account situation is inconsistent with the actual card holding situation, they can report the error in time to avoid the occurrence of credit stains.

In addition, protecting personal credit requires daily accumulation, such as proactively maintaining open channels of contact with banks and paying attention to updating personal identity information.

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