A document that comprehensively records personal credit activities and reflects personal credit status is the basic product of the basic database of personal credit information. In order to make the structure clear, the content of the credit report is divided into several parts according to the different types of information.
Each part is a segment, and each segment is further divided into several 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.
2. What does a bad credit record mean? This belongs to the limitation of personal credit record. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, that is, credit stain.
Different banks have different approval standards for personal credit records. With the change of time, consumers' economic situation and repayment situation will also change, and banks will not always pay attention to consumers' early bad credit records.
On 20 12 1 1.2, the central bank confirmed that the new version of personal credit report had been launched, and credit cards and loans overdue before 2009 10 were no longer displayed, and overdue records were kept for five years thereafter, which meant that citizens' negative overdue records were no longer accompanied by their lives. If they can repay in full and on time within five years, their credit will be cleared.
Extended data:
Personal credit objection handling process:
The staff of the personal credit center said that if personal information is stolen by others, resulting in bad credit records, the parties concerned should immediately appeal to the issuing bank, which has a set of corresponding identification procedures to delete bad credit records.
1. Check my credit report in the credit information center.
2. Submit a copy of the valid ID card and present the applicant's original, basic information and describe the objection.
3. The staff member applies for objection and fills in the personal credit report application form.
4. Both parties check and sign for confirmation.
5. Wait for a telephone reply, about 15 working days.
Query method
In foreign countries, negative records are generally kept for 7 years, bankruptcy records are generally kept for 10 years, positive records are kept for a longer time, and inquiry records are generally kept for 2 years.
Individuals can query their credit reports in two ways:
First, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will read its credit report.
Second, you can check with the credit management department of the People's Bank of China.
In addition to myself, only commercial banks can directly inquire about users' credit reports when handling loans, credit cards and other businesses and managing after loans, and commercial banks must also obtain users' written authorization in advance.
Baidu Encyclopedia-Personal Credit