Used for loan approval, credit card approval by banks and other financial institutions, qualification review of certain companies, employee recruitment, etc.

If the record is good, you can get loans and credit cards quickly, and you may be able to enjoy low interest rates; if the record is not good, credit cards and loans may not be approved, and the interest rates may be raised.

In short, the credit report is equivalent to the "economic ID card" and is very important. Before applying for a loan, it is best to check the credit report yourself to find out the details. Credit report is an objective record of credit history recorded by the Credit Report Center of the People's Bank of China. Extended information

Basic information

Including identity information, occupation information, and residence information.

To be more detailed, that is, name, gender, ID number, mobile phone number, marital status, spouse information, academic degree, residential address, work unit and address, etc.

Part of this information comes from the application forms you fill out when applying for credit cards and loans. The bank enters the information into the computer and then reports it to the credit reporting system. Some of this information comes from provident fund management centers and telecommunications operators in various places. business.

Credit information

That is, information about borrowing and repaying debts, mainly credit cards and mortgages.

Banks focus on this record when approving credit cards and loans. The bank only cares about one issue: whether the credit card or loan has been approved.

So the bank will check the repayment record, whether it is overdue, and judge the willingness to repay; it will look at the number of loans you have borrowed and the external guarantees to see whether it can provide a loan and how much more can be loaned.

Baidu Encyclopedia-Credit Report