Basic information, including identity information, residence, occupation and other information; Borrowing information, which is the core information in five types of information;
Non-financial liability information (information formed by consumption before payment); Public information, including social security accumulation fund information, court information, tax arrears information, administrative law enforcement information, etc. ;
Inquiring about information refers to who, when and why inquired about the credit report in the last two years.
Credit report plays a very important role in daily life and is a sign of personal credit. Credit report can be used for loan approval, credit card approval, qualification examination, employee recruitment, etc. If a person has a good credit report, he can get a loan, a credit card and even enjoy a low interest rate. If the credit record is flawed, it will be more difficult for individuals to apply for loans and credit cards.
According to the classification of information subject, it can be divided into personal credit report and enterprise credit report. Except for the different credit subjects, the most striking difference between the two reports is that they abide by different laws: personal credit reports need to abide by laws to protect personal privacy, and corporate credit reports need to abide by laws to protect business secrets.
According to the complexity of information content, it can be divided into general credit report, basic credit report, deep credit report and credit tracking report. A general credit report includes the most basic and universal information of the information subject. If the individual is the subject of information, the report includes basic information, credit records and inquiry records; If the enterprise is the subject of information, the report includes the basic information, capital, operating conditions, collateral and financial information of the enterprise. The basic credit report mainly provides the basic information of the information subject, such as name, address, telephone number and some public negative records. In-depth credit report, also known as personalized customized report, is expensive. This kind of report is the most valuable credit product, which is based on customer demand, combined with the macroeconomic situation, the development trend of consumer industry or the development trend of the industry where the enterprise is located, and deeply analyzes the current credit status of the information subject from multiple angles such as credit score, credit risk index and credit rating. Credit tracking report refers to the value-added services provided by credit reporting agencies after issuing credit reporting, such as quick notification of abnormal credit of enterprises. According to the classification of users, it can be divided into commercial bank credit report, ordinary enterprise credit report, government credit report and supervision credit report. Commercial banks use the commercial bank version of the credit report, which has the most comprehensive information. Credit reports of ordinary enterprises only share commercial credit information, which is an important way for ordinary enterprises to guard against credit risks in the process of commercial credit granting. Government credit reports often meet the needs of administration according to law. They don't necessarily need very detailed information, but qualitative judgment or general information may be enough. Regulatory credit reports are made according to the needs of regulatory authorities, and such reports pay most attention to the credit information of information subjects.
In short, the classification of credit reports depends on the needs of business and public services. Therefore, there may be many classifications in the credit report.