If you apply for a CMB credit card, you will see the credit information in the first instance. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them.

What is the function of credit investigation?

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Extended data:

1, personal credit report:

It is an objective record of personal credit information. Record all personal credit payment history. Performance records formed by the credit relationship with financial institutions; Performance records formed by loan relationship with other institutions or individuals; Performance records formed by the credit purchase relationship with commercial institutions and public institutions; Performance records formed by economic relations with housing provident fund, social insurance and other institutions; Records of unpaid taxes and fees that should be paid according to law; Various commendation records; And other criminal penalties, administrative penalties, administrative penalties or civil compensation records that may affect personal credit status. Personal credit report is an important reference for lenders to quickly and objectively decide whether to provide credit to lenders.

2. Personal credit score:

It is a kind of credit service intermediary, which uses a specially designed mathematical model to evaluate and calculate personal credit ability and give a person's risk score according to the contents recorded in personal credit report. The higher the personal credit score, the higher the personal credit.

3. Personal credit file:

Personal credit file is vividly called the second identity card. In developed countries or regions, every economic entity participating in credit transactions will have corresponding credit files. This file records the credit information used to evaluate personal credit value. It is a collection of various credit records, usually stored in the form of electronic data. Personal credit files are compiled by credit institutions, such as personal credit bureaus. Personal credit reporting agencies take the initiative to make credit files for all residents in the service area. Personal credit files produced by personal credit reporting agencies are restricted by law. The legal principle is to meet the needs of the development of credit economy and protect personal privacy from infringement. Therefore, the law strictly regulates the business operations of credit reporting agencies that make personal credit files, including information collection.

4. If there is an error in the personal credit record, you can raise an objection to the relevant department:

Every citizen is very concerned about his personal credit report. Shao Fujun, director of the Credit Bureau of the People's Bank of China, once said that citizens can check their credit reports and raise objections if they find mistakes due to non-personal reasons. Shao Fujun introduced in an interview with the Chinese government network that the inquiry should first bring an ID card and go to the credit information departments of branches and sub-branches of the People's Bank of China for inquiry. If you find a mistake, let's see whose fault it is first. If it is really a personal reason, there is nothing to say, and your own reasons should be corrected. If it is found that it is not personal, you can raise an objection and ask for verification. Shao Fujun said that it can report to the credit information department of the branch of the People's Bank of China, or directly to the credit information center, or directly to the commercial bank that submitted the information. The channels and mechanisms of error correction are relatively smooth.