Many people know that applying for a credit card can quickly establish a personal credit report, but if they have never applied for a credit card, do they not have a personal credit report? In fact, this kind of understanding is too one-sided, and there is no real understanding of personal credit records. Today I’m going to discuss with you whether you don’t have a personal credit report if you haven’t applied for a credit card.

If you have never applied for a credit card, does that mean you don’t have a personal credit report? Personal credit records have five sections, including basic personal information, information summary, credit transaction information details, company information details, and inquiry records, while credit card records are only a small section of credit transaction information details. So even if you have never applied for a credit card, it does not mean that there is no record. 1. For example, basic personal information. Generally, everyone has a record. Basic personal information such as marital status, education, place of residence, occupation, etc. will be recorded. Among them, occupation information and residence information will only be displayed for 5 years, and old records will be slowly overwritten with new records. 2. Information summary. One will list all the loans and credit card accounts under the name. If you have not applied for a credit card, 0 will be recorded. The total number of loans will be recorded, and the related default records will also be displayed, as well as the total personal liabilities. Amount of arrears, etc. 3. Credit transaction information details, which record the loans and credit card records processed, as well as the records of guarantees for others, as well as compensation and bad debt records, etc. This section is the most critical and can reflect everyone's repayment. capabilities, liability status, and willingness to perform. 4. Details of public security information. Anyone who has paid social security and provident funds will be recorded in this section. In the future, unpaid utility bills will also be reported to this section, as well as some illegal activities, such as drunk driving, driving under the influence, running a red light, etc. Wait, evade debt, be enforced by the court, etc. 5. Inquiry records are divided into personal and institutional inquiries. There are many reasons for institutional inquiry, such as loan approval, credit card approval, guarantee qualification review, and post-loan management. Among them, the first three types of inquiries are all hard inquiries, which directly affect the credit report. For example, if you have never applied for a credit card, as long as you have applied for it, there will be records. Generally, 2 years of records will be displayed. The above is the relevant introduction to "Does it mean you don't have a personal credit report if you haven't applied for a credit card?" I hope it will be helpful to everyone.