What can be found in personal credit information?

What can be found in the personal credit report:

1, personal edition: personal basic information, credit records (including credit cards, loans, guarantees, asset disposal, etc. ), public records (including tax arrears records, civil judgment records, enforcement records, administrative punishment records, telecommunications arrears records, etc. Within five years), and query records (query records of institutions and individuals within two years).

2. Contents of the bank version: personal basic information (spouse information, company information, social security and provident fund information are more than those of the personal version), credit record (different from the personal version, it will show the repayment record of each credit card and loan in five years, regardless of whether the account is cancelled or not), public record and inquiry record. The new version of the report also added anti-fraud warning, objection information prompt, credit score, low-income assistance, query records and other contents.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. The personal credit reports of these actors are usually called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management. Fraud risk list belongs to the blacklist of identity cards, which means that personal behavior is illegal or has bad records in some aspects, and it has different meanings in different situations. For example, if a credit card overdraft fails to repay within the specified time, it will be blacklisted by the bank, which will restrict the related loan business in the future. Uncivilized remarks or behaviors in tourist attractions or other public places are blacklisted.

Legal basis:

credit reporting industry regulations

Article 16 The retention period of personal bad information of credit reporting agencies is five years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.