Personal identification information such as name, age and work unit.
② bank credit card
How many credit accounts are there? A dual-currency credit card has two credit accounts, including loans and credit cards. If the cardholder has a record of overdue repayment, it will also appear in this column. Banks also judge the applicant's future repayment ability from this column.
③ Other information
Including payment of water, electricity and coal.
④ Query records
A summary of all personal inquiry records in the last 6 months. For example, when applying for a credit card or loan, the bank will check the personal credit report and leave a record every time. If you don't have a credit card and check it many times, the bank may think that the applicant's qualification is not good. Cardholders should pay more attention to this column. Personal credit report determines whether you can successfully apply for a card or loan, and pay more attention to your credit report. When a bank refuses to issue a card or loan, you can't miss the reason. In fact, the vast majority of loans and credit cards are rejected because of personal credit problems.
What do you think of personal credit report?
1, the number of accounts is not equal to the number of credit cards.
You will find that your account number is much larger than the number of credit cards, because "account number" is not equal to the number of credit cards. "Number of accounts" means that there are several credit card accounts, several housing loans and several other loans in your name. In the report, a dual-currency credit card (including RMB account and USD account) is equivalent to two accounts, so the number of accounts is not equal to the number of credit cards.
2. Guarantee for others will also be included in the credit report.
The credit record section contains your credit card, housing loan and other credit records.
3. Tax arrears and electricity arrears will also be recorded on the credit record.
"Public records" include your tax arrears records, court civil judgment records, enforcement records, administrative penalty records and telecom arrears records in the last five years. If there is no public record, details will not be displayed in this section.
4. The number of unsold families is not equal to the unsold number.
"Unregistered accounts" refers to the number of cancelled credit card accounts (including active and inactive). "Outstanding account number" refers to the number of outstanding housing loans and other loans in your name.
5. Who checked the report?
The "inquiry record" at the end of the credit report will reflect the records of the credit report inquired in the last two years, and show which institution or who inquired about your credit report when and why. The contents displayed include the date of inquiry, the inquirer and the reason of inquiry.