Social credit record is a type of credit report. Currently, there are three versions of personal credit report: personal version, bank version and social version. The social section mainly allows consumers to open stock index futures accounts and provides detailed credit summary information.

1. Personal version: for consumers to understand their credit status, mainly showing the credit information and public information of the information subject. Including personal version and personal detailed version.

2. Bank version: Mainly for commercial banks to query. In credit transaction information, this report does not display the names of other lending banks or credit institutions other than the querying institution. The purpose is to protect business secrets and maintain fairness. compete.

3. Social version: for consumers to open stock index futures accounts. This version displays your credit summary information, mainly including personal professional qualification records, administrative reward and penalty records, court proceedings and enforcement Records, tax arrears records, social insurance records, housing provident fund records and credit transaction records.

: Generation of credit information

A personal credit report is a document issued by a credit agency that records your past credit information. It is a personal "economic ID card" that can help you Trading partners understand your credit status to facilitate you to complete economic and financial transactions, so where does this credit information come from?

Credit agencies collect information from the source of credit information. Specifically, Credit information mainly comes from the following two types of institutions:

Institutions that provide credit services. They are mainly commercial banks, rural credit cooperatives, small loan companies and other specialized institutions that provide credit services.

Other institutions. Including personal housing provident fund centers, personal pension insurance and other institutions.

In addition, some of the above-mentioned institutions also provide basic information such as personal addresses and contact information, and this information is provided by individuals to these institutions when handling business. Pay attention to maintaining a good credit record, which can make your life easier.