A credit report for buying a house is a personal information report that needs to be provided when applying for a loan to buy a house. Because credit reporting is a record of personal credit information collected, organized and saved. The personal credit report records the user's past personal credit behavior. This report can affect the user's future economic activities. Whether applying for a loan or applying for a credit card, banks or financial companies will use the user's credit report as a basis.

What aspects are included in the credit check when buying a house?

1. Basic personal information.

Basic personal information includes the name, gender, age, work unit, contact address and other information used to identify the individual of the person being credited.

Second, bank credit.

This item will list the status of each credit card and loan business in detail, specifically showing the past debt history of the party being credited. Credit reporting agencies and credit-granting banks often analyze consumers' behavior and consumption preferences from this information, and judge their future repayment ability based on their past willingness to repay.

3. Non-bank credit.

Record consumers’ payment status for communications, water, electricity, and coal, such as whether mobile phone usage is normal, whether there are arrears for public utilities, etc.

No. 4. Objection record.

If the party being credited has a dispute with the content reflected in the report, he can reflect it in this section by adding a statement. The right of individuals to raise objections reflects the protection of personal legitimate rights and interests. An important way to correct and update information from credit reporting agencies.

No. 5. Query records.

The query record refers to the summary of all the records that were queried by the individual in the last 6 months. If there are too many inquiry records and there are no credit card or loan records during this period, the bank will think that the qualifications of the party being credited are not good, which will affect future loan applications and credit card processing.