Usually, when we apply for a loan to buy a house from a bank, the bank will check the lender's personal credit report. The bank will mobilize resources from all parties to evaluate the lender's overall situation. If the previous home buyer has a bad credit record, it is very likely that the bank loan will not be approved, so everyone must pay attention to their personal credit records in their daily lives! So, what does a personal credit report include? What behaviors will affect personal credit reporting?

1. Contents of personal credit report

Personal credit report mainly "collects" the following aspects: First, "who are you", including name, ID number, Basic information that proves your identity, such as your home address, work unit, etc.; secondly, "your credit history", including personal loan information, such as mortgages, car loans, student loans, and even guaranteeing for others who fail to repay their loans on time. , credit card information (credit limit, repayment record, etc.); finally, inquiry records, which institutions have inquired about personal credit reports and when.

2. Behaviors that affect personal credit reports

1. Overdue credit card payments

Overdue credit card payments three times in a row (or six times in total within two years), or Failure to repay overdrafts will lead to a bad credit record. These are obviously cases of failure to repay money. I believe everyone will be very alert to these problems.

2. Providing guarantees for third parties may also result in bad records

Don’t think that only overdue loans will cause bad records on your credit report. In fact, if you are If you are a guarantor for someone else's loan, it may also appear on your report if the borrower fails to repay on time. Therefore, in addition to urging the parties to pay off the money as soon as possible, what you can do is to take preventive measures in the future. The loan guarantor has a heavy responsibility, so be careful before signing!

3. Water bills, electricity bills, gas bills, telephone bills, owing small amounts of money or big troubles

It is worth noting that water, electricity and gas companies in some cities have begun to ask individuals for credit The system provides information on fees paid by local residents, including normal payments and arrears. Therefore, everyone must pay attention to paying relevant water and electricity bills on time.

In addition, if you move, you must change the owner's contact information with the water, electricity and gas company. Otherwise, the credit information in the personal information system may be exposed, and in serious cases, it may cause legal disputes.

Dear friends, please also note that if you have a mortgage or car loan, you must be particularly careful about the repayment situation after the interest rate increases. Home loans and car loans are big money, and everyone usually pays them back on time. However, there is one situation that you should pay special attention to. That is, when the loan base interest rate increases, the monthly repayment amount will also increase accordingly. If you still pay the monthly payment at the original amount, it is easy to cause overdue interest arrears.

In fact, everyone should also pay attention to their credit problems in daily life. All fees should be paid on time, because once there is a problem with your credit, not only the purchase of a house will be affected, but also the economy. Other related matters may be affected.