Extended information:
Credit information includes personal credit and enterprise credit, and of course there are government credit information, but it can be ignored.
enterprise credit investigation refers to a comprehensive evaluation of the credit capacity (mainly solvency and its degree) of enterprises, bond issuers, financial institutions and other market participants on the basis of analysis and research on their credit records, operating level, financial status, external environment and other factors. In the form, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its credibility, which is an indispensable intermediary service in the market economy system.
Personal credit investigation refers to the activities that a legally established personal credit investigation agency collects and processes personal credit information, and provides personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting the information collected according to law.
at present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, recruitment and job hunting. In addition, the personal credit report also provides the inquirer with a way to examine and standardize his own credit history behavior, and forms a verification mechanism of personal credit information.
The main factors that may affect the personal credit risk score are: overdue repayment in the loan, failure to repay according to the agreed time limit and repayment amount after the credit card is overdrawn, or too many loan accounts and credit cards, etc. Credit institutions or information providers who receive objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit information industry in the State Council, check and deal with them within 2 days from the date of receiving the objections, and give a written reply to the dissidents.
after verification, it is confirmed that there are errors or omissions in relevant information, and the information provider and credit reporting agency shall correct them; If it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.