Personal credit report includes information.
1. Basic information: name, ID number, home address, work unit, etc.
2. Loan information: How many loans were borrowed from which bank when, how many loans were repaid, how many loans were not repaid, and whether they were repaid on time.
3. Credit card information: which banks have handled credit cards, the overdraft limit of credit cards, repayment records, etc.
4. Inquire about the record of credit report: The computer will automatically record when, who and why you checked the personal credit report.
How to maintain good personal credit and smooth loan?
1, don't be overdue.
Whether it is the repayment of credit card or the mortgage repayment after credit card consumption, we must pay attention to avoid the phenomenon of overdue repayment. Once overdue, you will not only have a penalty interest, but also this consumption record will be kept in your personal credit information system. Then when the loan is made, it is easy to be rejected when it is reviewed.
2, sleep card not too much.
Many people always think that after they have a credit card, it won't matter if they don't open it or use it. But in fact, if the applied credit card is not activated, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, which will have an appropriate impact on your future application for a bank credit card. And some specific cards will have an annual fee even if they are not activated. If we ignore this point, it is very likely that the credit card will be in arrears and then overdue, resulting in a bad credit record.
3. Don't default on living expenses.
The new personal credit information system has been launched, and all kinds of utilities and telephone charges in life are recorded in personal credit information records. If you can't pay on time, or even skip the subway, your records will be recorded in your personal credit report, which will inevitably lead to bad credit reporting.
4. Say goodbye to white families
Many people always think that they never lend money, and the credit information is very good, and the loan will be smooth. In fact, users who never borrow money may be refused to borrow money.
A bank account refers to a person who has never applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China. Generally speaking, for IOUs, when you borrow money, banks or financial institutions can't find out your spending power, repayment ability and credit status, so they can't make an objective and reasonable judgment.
Therefore, it is often more difficult for white families to apply for loans than customers with credit records. Without personal credit records, banks cannot guarantee whether borrowers can repay in full and on time. Therefore, in order to control their credit risk, they will generally lend cautiously, and even after agreeing to the loan, the loan amount will not be ideal. Therefore, it is also necessary to borrow money properly or handle credit cards reasonably.