I would like to ask if there is no record in the credit report, is it a good credit report?

If there is no record in the credit report, it is what everyone calls a credit report white house. Since there is no credit record in the credit report, financial institutions cannot examine the lender's ability to perform, making it more difficult for users to apply for loans. Therefore, if there is no record in the credit report, it is not a good credit report. It is recommended that users apply for a credit card, repay the loan on time, and increase some credit records, which will be beneficial to the loan business.

At the same time, if you apply for a loan with a white credit report, you can submit some additional proof of financial resources to show that you have sufficient repayment ability and willingness to repay, which is helpful for applying for a loan.

For more information about whether it is a good credit report to have no records in the credit report, enter: View more content: Is it a good thing to have a blank credit report?

The so-called "blank account" in the credit record is Refers to customers who do not have any loan or credit card records in their credit reports. For credit fund providers such as banks, when evaluating a borrower's personal credit status, they usually rely on the person's past credit behavior record. These credit behavior records mainly include credit transaction records such as personal past loan repayments and credit card usage. And if the borrower has neither taken out a loan nor used a credit card in the past, he or she will be questioned by financial institutions because of the inability to conduct accurate credit assessments. Therefore, if you don’t take out a loan or use a card, your credit status may not necessarily be good.

Due to the inability to quantify the credit default risk of "blank accounts" in credit records, when financial institutions review loan applications and credit card applications, they often reject borrowers because they have "blank accounts" in credit records. The situation of loan business for such customers.

In this case, it is recommended that when the borrower applies for a loan, he or she can provide additional property certificates such as real estate, vehicles, and bank deposits to the credit business department of the financial institution to indirectly prove that the individual has sufficient funds to repay the loan. ability; in addition, in order to maintain personal credit records, it is not recommended that borrowers apply for loans from different financial institutions multiple times in a short period of time. Usually, such behavior will lead to a decrease in personal credit scores. Is a blank credit report a good thing?

A blank credit report is not a good thing. A blank credit report can only mean that the user has never applied for a loan or credit card at a bank or financial institution. In fact, it is not conducive to the user's business processing in a bank or financial institution. Generally, financial institutions prefer people with good credit records rather than people with credit reports. There are now many loan products that prohibit people with blank credit records from applying.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.

If you borrow money from a bank, the bank needs to know who you are; it needs to determine whether you can repay the money on time; whether you have borrowed money before, and whether you have a record of not repaying borrowed money, etc. Before the credit report appears, you need to provide the bank with a series of supporting materials: employer certification, salary certificate, etc.; the bank's loan officer will also call your employer to visit you. It may take two weeks or more before the bank will tell you whether it will lend you money.

The emergence of credit bureaus has simplified the way banks understand your credit status: they hand over the credit information they have about you to a specialized agency to compile it, and this specialized agency will build a credit card for you. Files (i.e. personal credit reports) are then provided to various banks for use. How to check whether a personal credit report is good in a credit report

In the following operations, the operating environment is Android and open any version of mobile software:

There are two ways to check whether a personal credit report is good:

1 On-site inquiry: Bring the original and copy of your ID card to the local branch of the People’s Bank of China for inquiry.

2 Online query: Enter the official website of the Credit Information Center of the People's Bank of China, click "Internet Personal Information Credit Service Platform", click "Start Now"; after registration is completed, enter the new page; click " "Credit Service" - "Application for Credit Information", select "Verification Method", "Credit Information (all three checked)", click Next after verification, and the credit information will be available in 24 hours.

If there are no overdue records or bad credit records in your personal credit report, it is considered good. How does the bank determine whether Lao Tie's credit report is excellent? Mainly from four dimensions, namely card application status, inquiry status, overdue status and debt status. As long as you control these four dimensions well, your credit report will be perfect.

_

When it comes to applying for a card, it means literally. If it is a white household, there will be no credit report. If you have applied for a credit card, it will be shown on your credit report. The total credit limit of the credit cards we apply for is too high, and the debt ratio is greater than our load. The bank may feel that our repayment ability is insufficient and reject our application. Therefore, a moderate number of credit cards is very important. On the one hand, it helps us control our consumption desires; on the other hand, it also allows us to hand over a more beautiful credit report.