For example, when a user applied for a credit loan, the credit line was 654.38+10,000 yuan, of which 50,000 yuan had been used, and the credit report showed that the balance was 50,000 yuan. In addition, the balance on the credit report is 0, indicating that the loan has been fully paid off and there is no remaining debt. Credit investigation means that banks and other financial institutions collect and save the credit information of individuals or enterprises for future reference. This information includes loan application, credit card application, loan repayment record, credit card repayment record, loan default record, credit card default record, etc. Credit information system can help financial institutions to evaluate the credit status of customers and decide whether to approve loans or credit card applications.
Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information. If you want to check your credit report, you can go to the Credit Information Center of the People's Bank of China or the Credit Information Management Department of the People's Bank of China where you are located. When inquiring, bring the original and photocopy of my valid ID card, and leave the photocopy to the inquiry institution for future reference.