The so-called white credit account is a user who does not have any loan records or credit card records in the credit report. Generally, when applying for bank credit products, you need to provide a personal credit report. Banks will evaluate the applicant's credit status based on some credit records on the credit report. Generally speaking, credit history includes past loan payments and credit card usage. Sometimes having a blank credit report is not conducive to applying for credit products because the bank cannot obtain valid information from the credit report.

1. It is difficult for many people to understand that white families have bad loans. In fact, the reason why white families have trouble applying for loans is because of gaps in their credit reports.

2. The reason why institutions need to review the borrower's personal credit report when handling loan business is because the lending institution needs to judge the borrower's creditworthiness through the loan records and credit records in the credit report. Performance ability and repayment ability. If the borrower's personal credit report is blank, the lending institution cannot determine the borrower's credit status from the credit report.

3. In this case, in order to avoid risks, lending institutions may not consider lending, which is also the main reason why white household loans are easily rejected.

4. Therefore, if you are a white family looking for credit, it is recommended to apply for a credit card first. The threshold for applying for a credit card is now low. We can use credit cards to maintain credit first, and then apply for loans.

1. Credit reporting is a Chinese word whose pinyin is zhēngxìn. It means collecting, organizing, preserving and processing credit information of natural persons, legal persons and other organizations in accordance with the law, and providing external services such as credit reports, credit evaluation and credit information. Consulting, helping customers judge and control credit risks, and carry out credit management activities. It comes from "Zuo Zhuan: The Eighth Year of Zhao Gong" The words of a gentleman, so he leaves the body with resentment. Among them, "trust and credibility" means that its words can be verified or verified by credit investigation.

2. Credit investigation is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides a platform for professional credit reporting agencies to share credit reporting information.

3. Corporate credit reporting is mainly an organization that collects corporate credit information and produces corporate credit products; personal credit reporting is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of business are completed by one agency, and in other countries, they are completed by two or more agencies respectively. Or in one country, there are both agencies that are engaged in personal credit reporting alone, and there are also agencies that are engaged in both personal and corporate credit reporting. Generally, there are no restrictions on the types of credit business institutions, and the credit reporting agency decides independently based on the actual situation.