(1) Report header. Just look at the picture below and I believe everyone can understand. Among them, the first 8 digits of the report number indicate the year, month and day when the credit report was generated, and the last 14 digits indicate the serial number of the credit report; personal information is relatively simple, only name, document type and number, and marital status.

(2) Credit record. This part is the key information in the credit report. The information summary describes the total number of accounts for all your credit cards, housing loans and other loans, the number of overdue accounts, the number of guarantees for others, and other summary information.

(3) Public records. Public records mainly display the non-financial negative information of the person being queried, such as tax arrears, civil judgments, enforcement records, administrative penalty records, and telecommunications arrears information.

(4) Query records. Who has inquired about your personal credit report in the past two years, at what time, and for what reason will all be displayed in the credit report. Records of your own Internet inquiries will be listed separately under the inquiry record table.

Personal credit reports are divided into 3 versions: personal version, bank version, and social version.

From what the central bank explains, the credit report you get through self-examination is different from what the loan approval agency sees. In order to protect the privacy of personal credit reports, loans, credit cards and inquiry agencies issued by non-peer institutions are coded in the personal credit report queried by the bank without directly indicating the name of the relevant institution.

The credit report obtained when an individual applies for inquiry from the central bank will show the details of the loans and credit cards in his name, and the inquiry records directly indicate the full name of the institution that issued or inquired.