Nowadays, personal credit report is called people's second "ID card". Once you break your promise, it will affect your lending behavior in financial institutions. Then, in daily life, how to maintain "personal credit information" and avoid the adverse effects brought by negative records?
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"Generally speaking, credit records are divided into normal information and bad information caused by default of loan principal and interest. The so-called' black credit' in society is not accurate. " A related person from the Lanzhou Central Branch of the People's Bank of China said that the personal credit report is a document that objectively records personal credit activities, and the Credit Information Center of the People's Bank of China collects and integrates the collected information based on the principle of objectivity and neutrality. Credit report is one of the reference conditions for banks to approve loan business, but whether they can get loans from banks ultimately depends on the bank's credit approval policy and comprehensive evaluation of applicants.
Lanzhou Central Sub-branch of the People's Bank of China reminds the public to pay attention to the following points when developing good credit awareness and habits:
First of all, pay attention to develop good consumption habits and repayment habits. For daily consumption, loans and various payments, remember the repayment date, repay in full and on time, avoid overdue, be honest and trustworthy, abide by credit and maintain a good credit record. Secondly, properly arrange relevant credit activities and make relevant early warning tips. Choose an appropriate repayment method and take effective reminding measures to ensure that every loan and credit card is repaid on time. Third, provide the basic personal information to the bank truthfully, ensure the accuracy of the information, and notify the bank immediately if there is any change in the basic personal information.
Related links:
How to inquire about personal credit report?
Counter inquiry: It mainly provides inquiry service for customers who hold valid identity documents such as temporary resident ID card, military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
Related Questions and Answers: Related Questions and Answers: How important is the personal credit record? How will it affect our credit life? Understand the credit report
Beckham is in the financial industry. At that time, there were several cases of risk control, such as credit reporting, ID card and real estate license. I have seen fifty or sixty pages of credit information, and two pages of pure white households, more of which are 5-20 pages. Because the first two are difficult to do, but most people can do the latter.
Why are the first two difficult to do? Because credit investigation is a record of every loan, repayment, guarantee for others and every loan application, including your work, address and contact information.
It may be easy to borrow for the first time, but after you borrow it dozens of times, it is no longer easy. Because all banks and non-governmental organizations have credit channels, we haven't seen B2C dare to completely ignore credit lending (except usury).
This is also easy to understand, just like someone borrows money from you. Are you willing to lend it to a person with a pocket full of IOUs or to a civil servant who has never borrowed money from a public institution ~
This is also the understanding of various loan companies. For example, the higher the interest rate of non-governmental organizations, the looser the access. For those who are overdue for three months in a row and seven months in total, and the number of applications by the same company does not exceed three times in a natural month, the debt ratio depends on the product. Generally, the credit cannot exceed 50% without considering the mortgage.
Banks will be stricter, but they are also divided into private banks and state-owned banks. Some state-owned banks refuse to accept documents directly after the deadline, and the threshold of private enterprises is similar to that of public institutions.
In the past, most people had little contact in their lives, because business owners normally needed to borrow money, and the borrowing cost was relatively high. But now, because of the development of the Internet, various online loans emerge one after another. The 50-60 page credit report mentioned above belongs to an online loan brother.
Don't think that it doesn't matter if you don't borrow online loans. Ants borrow money from online merchants and know how to cut, small loans know how to cut, and JD.COM gold bars know how to cut. When the online merchant loan first came out, it took a month and there was no interest. Anybody borrow it? I borrowed it. I not only borrowed it, but also got the credit report. .....
I can tell you clearly that if you have a license to cancel gold, such as borrowing money, online business loans, micro-loans and gold bars, including the living expenses of Meituan and Gitzo in installments, you can borrow the last credit report for one day, all of it! !
Credit information and life
You may ask whether micro-credit loans such as loans and micro-loans will affect the approval of car loans, mortgages and credit cards.
I can tell you for sure that it must be influential.
Someone around you may have borrowed a lot of online loans, but the car loan credit card is still approved. I once doubted this theory, but from the perspective of private financial institutions, it is absolutely influential.
When a person has frequently borrowed small loans from 500 yuan, no matter how to explain it, in the view of risk control personnel, this credit report has become invalid (commonly known as credit report).
But why do some people spend a lot of money to collect credit information, or can they borrow money from banks?
These two days, I specially asked the vice president of a regional branch of Bank of Communications about this issue, and he gave a convincing answer:
There is no uniform standard in this country, and banks will make policies according to their own capital quotas. For example, the four major banks with strong financial strength will give you mortgage and car loans even if you often use small loans, as long as you have a stable job and proof of fixed income.
However, in the face of the tightening of national policies, it is necessary to cut off some loan applicants as much as possible, so try to find defective applicants: two applicants, one using credit cards, the other using credit cards and microfinance, of course, giving priority to those using credit cards only; Both of them use credit cards, one can use tens of thousands of dollars a month, and there is no overdue record. Although the other does not use a card, he is applying for a small loan of several hundred dollars every month, and naturally a large sum of money will be granted every month.
As for some local small banks or private banks, the funds are limited and they can't afford the loss of bad debts. If the national policy is not tightened, applicants may be screened according to the latter situation.
Beckham suggested that when you have time, you can go to the Credit Information Center of the People's Bank of China to check your credit information. Now you can look it up directly on the internet. Although it is a short version, it is convenient. If you find any problems, it is not too late to make a credit report offline.
The authoritative statement of the Credit Information Center of the People's Bank of China is that you are advised to check the credit report at least 1 time every year. While knowing your credit status, check whether there is any situation that others use or steal your identity to obtain loans and credit cards, whether there is any wrong information, and whether there is any illegal inquiry without your authorization.
Because many fans have asked about credit cards in the past two days, I suggest that you don't fill in the card when you reverse it or freecell. For example, a 20,000 card can draw 50%. Make preparations now to avoid problems in credit reporting when applying for a car loan or needing a loan in the future.
Query method
One is the personal credit service platform of the Credit Information Center of the People's Bank of China mentioned above. After entering, you can register to complete real-name authentication and receive two verification codes. But it's a little slow. I didn't check it until the third day after my last application.
The other is offline query. Searching for "personal credit information" on the map of Beijing shows that there are more than 30 self-service inquiry points. Find the nearest one and you can check it. The report issued shows "China People's Bank ATM XXX", but it is estimated that some small cities may not have it, so you have to check with local people.