What is the impact of black households in credit reporting?

First, when you become a credit black account, it will have the following effects:

1. Unable to apply for loans from banks, microfinance companies and other lending institutions, it was listed in the "lending blacklist".

You can't apply for a credit card. Credit cards cannot be obtained through credit black accounts.

3. Affect personal travel and consumption. Some high-consumption behaviors are forbidden, such as flying and staying in star-rated hotels.

2. Black households refer to people who have no household registration information, no household registration card (permanent resident registration card) and no identity card in the national census. The total population of "black households" is about130 thousand, accounting for 1% of the total population, which has become a major problem affecting social fairness and harmony. 2015165438+10.21Minister of Public Security Guo Shengkun presided over the 17th (enlarged) meeting of the leading group for comprehensively deepening the reform of the Party committee of the Ministry of Public Security. The two major themes of the conference are anti-terrorism work and solving the household registration problem of non-registered population in China.

20 16 1 14 The General Office of the State Council issued the Opinions on Solving the Household Registration Problem of Persons Without Household Registration [Guo Ban [2015] No.96]. According to the Opinions, eight types of "black households" such as Sheng Chao can apply for permanent residence.

Three. 1. Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing external services such as credit report, credit evaluation and credit information consultation, helping customers to judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "The gentleman's words are true, but there are traces, so the resentment is far greater than him." Among them, the word "receiving by letter" means that a person can verify whether his words are true or not, or ask for and verify his credit. It is a specialized and independent third-party organization that establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides external credit information services according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. On May 20 19, the new version of personal credit information was officially launched, and the length and fineness of credit information will be further improved.

2. Benefits of credit report. A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you fill in the loan application form. So the first advantage of credit reporting is to save your time and help you get a loan faster.

(1) Loan amount

As the saying goes, it is not difficult to borrow again. If your credit report reflects that you are a person who repays the loan on time and earnestly fulfills the contract, the bank will definitely like you, not only providing credit services such as loans and credit cards, but also giving preferential treatment in terms of quota and interest rate.

(2) Credit reminder

If it is recorded in the credit report that you have not repaid the loan, the bank must be cautious when considering whether to provide you with the loan. It is very likely that the bank will ask you to provide mortgage or guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to lend you money. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, fearing that your debt is too much to bear and may refuse to provide you with more loans. This reminds you to cherish your credit history and consciously accumulate credit wealth.

(3) Fair credit

Another advantage of credit reporting is that it can help you get a fairer credit reporting opportunity. The credit center provides the bank with an objective record of your credit history, which allows the facts to speak for themselves, reduces the influence of the subjective feelings and personal emotions of loan officers on your credit card application results, and enables you to obtain a fairer credit opportunity.