What impact does the credit report have on individuals?

1. The credit record of the last credit report may affect the handling of other financial businesses in the future, such as car loans, mortgage loans and credit card applications.

2. Credit records will have a certain impact on their work, and some jobs will refuse to recruit people with poor credit conditions.

3. Bad credit records will have an impact on life, and you can't fly, train or engage in other high-consumption activities normally.

4. A good credit record helps the bank to recognize your repayment ability and help you withdraw money from your credit card and apply for other credit business.

What behaviors will affect credit reporting?

1, credit card overdue

If the credit card is overdue three times in a row or six times in two years, it will be reflected in the personal credit record, which will have a direct impact on applying for loans in the future. Therefore, it is suggested that the credit card should not be overdue and be repaid in full and on time.

2, mortgage, car loan overdue or forget to repay.

Pay attention to timely repayment of mortgage or car loan. If it is overdue for 2 months or 3 months, it will also affect personal credit information.

3. Online lending platform loans overdue

At present, there are various online lending platforms on the Internet, such as Ant Flower Bank, Ant Loan Bank, JD.COM White Bank and Xiaomi Finance. If the loans are successful on the platforms, we should pay attention to the repayment time and repay on time to avoid the influence of overdue repayment on personal credit information.

4. Guarantee for a third party

As the guarantor of the third-party loan, if the third party fails to repay the loan on time, my credit history will also be implicated.

5. After handling the credit card, the card is not activated.

Generally, it is conditional for banks to waive the annual fee (5-6 times a year), so if they fail to meet the standard, they will deduct the annual fee directly from the credit card limit. If you don't use your card and ignore it, it is likely to expire, which will directly affect your personal credit history.

6. The ID card is lost and stolen by others to apply for a credit card.

This situation is not my own initiative to apply for a credit card. Usually, after your ID card is lost, criminals use your ID card or a copy of your ID card to apply for a credit card, resulting in credit card arrears. In this case, your personal credit information will also be affected.

7. Other behaviors of defaulting on fees.

(1) overdue due to tax arrears, traffic violations, mobile phone number arrears and other reasons;

(2) Water, electricity and gas charges are not paid on time;

(3) personal credit card cashing;

(4) the student loan is not repaid in arrears.