Personal credit report is the most basic product provided by personal credit information system, which records the historical information of credit transactions between customers and banks.

As long as the customer handles credit business such as credit card, loan and loan guarantee, the basic information and account information registered in the bank will be submitted to the personal credit information system through the data of commercial banks, forming the customer's credit report.

Extended data:

The information in the personal credit report mainly includes six aspects: the verification result of the Ministry of Public Security's identity information, personal basic information, bank credit transaction information, non-bank credit information, personal statement, objection marking and historical information inquiry.

The verification result of the identity information of the Ministry of Public Security comes from the information sharing platform of the Ministry of Public Security. Personal basic information represents some basic information of customers, including identity information, marriage information, residence information, occupation information and so on. Bank credit transaction information is the detailed information and summary information of loans or credit card accounts handled by customers in commercial banks or other credit institutions.

I declare that the customer has stated some unfounded objections in the credit report. Objection marking is a special explanation made by the objection handler in the credit report when the objection information is marked in the credit report or the objection cannot be corrected in time due to technical reasons.