Credit investigation is mainly an activity of establishing credit files for individuals or enterprises through professional independent third-party institutions, collecting and objectively recording credit information of individuals or enterprises according to law, and providing credit information services to the outside world according to law. Provide a platform for professional credit reporting agencies to enjoy credit reporting.

The appearance of credit investigation makes it easier for banks to know your credit status. Their information about your credit is collected by a special organization, which will set up a credit file for you.

Extended data

The information sources of the credit information system are mainly financial institutions such as commercial banks. Including the basic information of enterprises and individuals, credit information such as loans and guarantees of financial institutions, and the main financial indicators of enterprises. A new personal credit report will be released on April 20 19, and the default of water fee may also affect credit.

In addition to lending to banks, personal credit reports play an important role in many fields, such as housing loans and credit cards. Credit records involve almost every major economic activity of individuals. Without a good personal credit record, many things may not be completed.

Baidu Encyclopedia-Zheng Xin