If you want to see if there are any problems with your personal credit report, you mainly need to look at the following three aspects:

1. Overdue records. The fewer past due records on your personal credit report, the better. If there are overdue bad records in your personal credit report, it will have an impact on all aspects of applying for credit cards and loans in the future.

2. Credit cards and loan accounts. A personal credit report records a user's credit card accounts, loan accounts, and debts. If your current debt is high, your loan application approval rate will be relatively low.

3. Institutional inquiry records. The user's credit report inquiry records in the past two years include the inquiry agency, inquiry time and inquiry reason. If a user's personal credit report is queried too many times, they may be judged to be in poor financial condition.

How many categories of credit reports are there?

Credit reports are divided into three categories: basic personal information, credit transaction information and other information.

①. Basic personal information: mainly including name, certificate type and number, mailing address, contact information, marital status, residence, career information, etc.

②. Credit transaction information: including credit card information, loan information, and other credit information.

③. Other information: such as personal provident fund, pension information, etc.