1. Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information issued by the Credit Information Center of the People's Bank of China, and is used to query the social credit of individuals or enterprises. Credit report is divided into three categories, namely personal basic information, credit transaction information and other information. In May 219, the new personal credit information was officially published, and the length and fineness of credit information will be further improved. The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information in October 29, and the previous bad repayment record has been deleted. Because the relevant departments have not clearly defined the limitation of negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years. In the past, there were always people who complained that they couldn't read personal credit reports, because they were all tables and numerical codes, and what each number meant had to be understood by referring to the notes. Now, the new version of the report has changed the presentation method based on tables, and used more words to describe it. At a glance, the public can know which cards have been overdue and which repayments are all normal. At the same time, the new version of the report also reserved a display area for information such as asset disposal and guarantor compensation.
Second, in the early days of the establishment of China's credit system, many people did not pay enough attention to personal credit, so credit card or loans overdue behavior occurred. Because banks and work units will refer to these credit records, the long-term negative information has a serious impact on their lives and work. The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have been overdue and have paid off their debts a chance to mend their ways and re-establish and accumulate their personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.
3. What behaviors are likely to stain personal credit? In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as late payment of living expenses and guarantee may be included in the personal credit report. The report shows that if I have owed taxes, civil judgments, enforcement, administrative penalties or telecom arrears, etc., it will be displayed in the report. This means that in the future, the arrears of water, electricity, gas or fixed telephone charges, as well as the guarantee provided to the third party, and the third party fails to repay the loan on time, will also be included in the bad credit record.