Xinlian recruitment

The mobile phone seller will contact the debtor for collection. If the arrears are too long, it will have an impact on personal credit information.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law, which collect and process personal credit information according to the requirements of users and provide personal credit information inquiry and evaluation services.

Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law. At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Personal credit information includes

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

Influencing factors of personal credit

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Personal credit reporting system

Personal credit information system, also called consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services. Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields. In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.

reference data

The rumor that the first batch of eight personal credit information licenses were difficult to produce was to follow the example of "Network Link" and launch "Xinlian". Tencent Technology [citation time: 20 17- 12-29]