What does it mean that there is no data in the personal credit report?

There is no data in the personal credit report, which means that there is no record of credit information about this user in the current credit information system. Under the current circumstances, he has never applied for a credit card or loan, nor has he done any credit behavior in any financial institution, nor has he done any external guarantee. It has not handled any credit business, and there is no data in the blank of credit investigation, so it is a "credit investigation white household".

As long as users go to banks or licensed consumer financial institutions to apply for credit cards or loans, there will be credit records on users' credit information afterwards. The credit report shows that no credit record will have no adverse effects.

The influence of personal credit report without data;

When a white household applies for a loan, under normal circumstances, its credit status and repayment ability are difficult to evaluate. When customers go to handle credit business, banks or licensed consumer financial institutions may not be able to inquire about the credit status of customers, which may affect the approval. At present, customers' age and other aspects meet the standards, and it is entirely possible to do it smoothly. Only people with bad credit records in their credit reports will be rejected by banks because of credit problems. Therefore, everyone must pay attention to maintaining good personal credit in their daily lives.

The credit report shows that no record mainly refers to the following six aspects:

1, no credit card application record or use record. 2. There are no court decisions, tax evasion and other related records; 3. There is no record of paying water, electricity and broadband fees; 4. There is no credit record. ; 5. There is no record of loan application and use (mostly referring to loans on credit investigation); 6. No guarantee record such as external guarantee (mainly for others);

Introduction of personal credit report:

A report that records everyone's daily use of credit cards and loans. Reflect personal credit status.

Personal credit survey:

It refers to the collection and processing of personal credit information by a legally established personal credit information agency, and users require to provide personal credit information inquiry and evaluation services.

Personal credit report plays an important role in mortgage, credit card, job hunting and renting house.