The used amount refers to the net amount you have consumed (the amount you should repay).

The information recorded in personal credit reports includes the following categories:

First, basic personal information, including name, certificate type and number, mailing address, contact information, marital status, and residence information , career information, etc.;

The second is credit transaction information, including credit card information, loan information, and other credit information;

The third is other information, including inquiry records, etc.

It should be pointed out that a personal credit report is only a record of personal credit transaction information and a record of objective facts.

Extended information:

1. Inquiry report

The basic rights of individuals as the subject of credit reports. The Credit Information Center of the People's Bank of China can provide individuals with personal credit report inquiries. Serve.

Citizens can inquire at the local branches and credit reporting centers of the People’s Bank of China. When inquiring about your personal credit report, you only need to bring the original and copy of your valid ID. The copy should be left with the inquiry agency for reference.

When making inquiries, you must also truthfully fill in the personal credit report inquiry application form.

2. File an objection application

Citizens who find that the contents recorded in their personal credit reports are incorrect can file an objection application.

When filing an objection application, you must go to the site in person to file the objection application. You only need to bring the original and copy of your valid ID. The copy must be left with the inquiry agency for reference. When making inquiries, you must also truthfully fill out the Personal Credit Report Personal Objection Application Form.

You can also entrust another person to file an objection application. The agent should bring the original and copy of the valid identity documents of the principal and the agent, the principal's authorized inquiry letter, the notarized certificate of the authorized power of attorney, or the principal's personal information for the past week. Credit report.

If citizens still have objections to the result of the objection handling, in addition to reporting it to the credit reporting department of the People's Bank of China and filing a lawsuit in court, they can also apply to the credit reporting management department of the local People's Bank of China to publish their personal credit reports. statement.

Baidu Encyclopedia-Personal Credit Report