1, personal credit rating

Personal credit rating is generally divided into "three grades and nine grades", as follows:

Level 1: AAA, AA and A: The comprehensive score is above 70 points, and it is very honest in financial business such as loans. AAA grade reached more than 90 points, and there was basically no overdue situation.

Second-class: BBB, BB, B: The comprehensive score is above 50 points, and it is more trustworthy in financial services such as loans. BBB level can reach 70 points, and the willingness to repay is strong.

Level 3: CCC, CC, and C: This level has a poor willingness to repay, and often defaults such as overdue, and even is blacklisted directly.

Knowledge expansion

How to improve personal credit rating

1, repayment of large debts

First, pay attention to large debts. Repaying such debts can not only reduce the biggest debt loophole, but also save interest expenses. Personal credit score is largely based on current debt, and the smaller the total amount of current debt, the higher the credit score. The usual rule is to control the credit balance within 30% of the credit limit, but if you want to significantly improve the credit score, it is more appropriate to use the highest level 10% of the credit limit. This means that a credit card with a credit limit of $65,438+0,000 can only use $65,438+0,000.

Step 2 get a credit card

No credit, okay? The answer is no! If you don't have a credit record, it means that there is no evidence to prove your credit situation, then you are similar to people with poor credit. The repayment record of credit card is the best embodiment of personal credit at present. Only when you apply for a credit card can you leave a record in the credit bureau and become a creditworthy person! Therefore, the first step to improve personal credit is to apply for a credit card!

3. Pay off debts on time

There's no better way to improve your credit score than paying your loan on time. The repayment record accounts for as much as 35% in the credit scoring system. Even if the repayment deadline is missed once, personal credit will be seriously affected. The easiest way to repay on time is to sign an automatic repayment agreement, set up a mobile phone reminder and prepare repayment funds.

How to get personal credit rating

1, query credit report

Bring the original and photocopy of my valid ID card 1 copy (leave it at the Credit Information Sub-center for future reference) and go to the branches and sub-centers of the People's Bank of China for enquiries. At present, the Credit Information Center does not provide credit report inquiry services by telephone or Internet.

2. Others ask about the credit report

The materials to be carried include the original and photocopy of the identity documents of the client and the agent, and the power of attorney. Among them, a copy of the identity document and the power of attorney are left to the credit information sub-center for future reference. In addition, you can fill in the "Personal Credit Report Inquiry Application Form" by yourself.