1. Basic personal information

Including name, ID card, name, application date, issuance date, marital status, etc.

2. Credit records

Mainly the loan records applied by individuals to bank financial institutions, including a series of loan records such as credit cards, mortgages, operating loans, and student loans. Including a series of information such as settled and unsettled.

3. Public *** information

Including personal information and situations such as communications, water, electricity, gas, tax payment, etc. that the individual has applied for, as well as personal court information, such as Whether to be included in the list of dishonest persons subject to execution.

4. Objection record

This part contains the meaning of the inquiry that the inquirer has applied to the banking institution when he has objections to the personal credit report. This can be stated in this part by adding a statement. Reflection, if no objection has been filed, there will be no relevant records.

5. Inquiry records

It contains records of personal inquiries and information related to institutional inquiries. Generally, banks will have this record when approving credit cards.

6. Description

This part is the credit reference center’s format clauses, including relevant information that needs attention, as well as opinions on handling objections and the credit reference center’s position.

Extended information:

The role of personal credit report

1. Loan approval

When approving a loan, the bank will review The "historical repayment record" in the borrower's credit report is used to determine his repayment willingness. Check the "Number of Loans", "External Guarantees", etc. to determine whether to approve the loan and the amount of the loan.

Personal credit report can save bank loan review time and help you obtain a loan quickly. If your credit is good and your bank's credit limit is sufficient, the loan will be issued faster. If there are overdue records, banks will be more cautious when lending, which will be detrimental to obtaining loans or increase loan costs.

2. Credit card approval

When a customer applies for a credit card, the bank will generally check the customer's credit situation and determine whether to issue a card and whether to issue a card based on the specific circumstances of the credit report. Quota, etc. After providing a credit card to a customer, decide whether to increase the credit card limit by checking the "consumption information" and "repayment status".

Baidu Encyclopedia - Personal Credit Report