Personal credit report information

1. Personal information: including personal name, ID number, home address, work unit, etc.

2. Loan information: from which financial institution did the individual borrow money, the date of loan processing, the monthly repayment amount, whether the repayment was made on time, etc.

3. Credit card information: which commercial banks have applied for credit cards, the processing date of credit cards, the overdraft limit, the monthly repayment amount, whether the repayment is on time, etc.

In addition to the above information, the personal credit report may also record the individual's deposit of housing provident fund and pension.

Personal credit report version

There are three versions of personal credit report, namely personal version, bank version and social version.

1. Personal Edition

For consumers to know their own credit status, it is mainly manifested in the credit information and public information of the information subject. Including personal version and personal details version.

2. Bank Edition

Mainly for commercial banks. In the credit transaction information, the report does not show the names of other loan banks or credit institutions except the inquiry institutions, in order to protect trade secrets and maintain fair competition.

3. Social Edition

For consumers to open stock index futures accounts, this version shows your credit summary information, which mainly includes personal qualification records, administrative rewards and punishments records, court proceedings and execution records, tax arrears records, social insurance records, housing provident fund records and credit transaction records.

Information source of personal credit report

The credit information in the personal credit report comes from two types of institutions, one is the institution that provides credit business, and the other is other institutions.

1. Institutions providing credit services: mainly commercial banks, rural credit cooperatives, microfinance companies and other professional institutions providing credit services. The loan information and credit card information of personal credit report are generated from such institutions.

2. Other institutions: including individual housing provident fund centers and individual endowment insurance funds.

In addition, some of the above institutions also provide basic information such as personal address and contact information, which are provided to these institutions by individuals when handling business.

What does the personal credit report include?

Personal credit report includes the following contents:

1. Personal basic information: including personal name, ID number, home address, work unit, etc. This information tells commercial banks "who are you". Friendly reminder: In order to avoid unnecessary troubles, please don't lend your ID card at will, because the ID number is an important identification information of the credit report. At the same time, when handling banking business, fill in personal basic information accurately and truly, and contact the bank to update the information in time if there is any change, which will not only help prevent identity fraud and fraudulent use, but also help commercial banks to accurately verify their identities.

2. Personal loan information in the bank: when and how many loans were made in which bank, how many loans were paid back, how many loans were not paid back, and the monthly repayment situation.

3. Personal credit card information: which banks have applied for credit cards, the overdraft limit and repayment records of credit cards, etc.

4. Information about opening a bank settlement account by an individual: name, certificate number, bank code, account opening date, etc. , excluding deposit and withdrawal, transfer payment and balance information of personal settlement account.

5. Inquired personal credit report record: The computer will automatically record "when, who and why" to inquire about your credit report. With the gradual progress of database construction,

6. In addition to the above information, the personal credit report will also record personal housing provident fund deposit information, social security information, whether to pay public utilities fees such as telephone, water, electricity and gas on time, and public information such as court civil judgments and tax arrears.

What does the personal credit report include?

Personal credit report mainly includes the following contents:

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

Personal credit report

Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments.

Personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report. 20 13,101October 28th, following the pilot projects in Jiangsu, Sichuan and Chongqing, the personal credit information service of the central bank was extended to all provinces in China in 20 15, and online inquiry was realized.

2065438+June 2008, the Credit Information Center of the People's Bank of China opened a personal credit information service platform, and published a personal credit report inquiry website and a credit information assistant on the official account of WeChat.

At present, credit reports are mainly used for various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Personal credit report? Baidu baike