What circumstances require a personal credit report?

Now most lending institutions will check personal credit information.

(2) Applying for a credit card

When applying for a credit card, you will definitely check the credit information. Of course, this is not the applicant's personal inquiry, but the bank's inquiry through authorization.

(3) Post-loan management

Post-loan management includes post-loan management and credit card post-loan management. Post-loan management mainly checks whether the borrower is normal or not and whether there are abnormal risks.

(4) Guarantee

When you guarantee for others, you also need to check the personal credit information of the guarantor.

(5) Inquiries by government units

Courts, procuratorates, and administrative departments for industry and commerce sometimes call personal credit information when investigating cases.

(6) appointment of civil servants

It is also possible to check personal credit information when examining the qualifications of civil servants.

(7) Business cooperation

In some important business cooperation, sometimes in order to verify the real situation of the other party and the potential risks, some people will ask the other party to provide a credit report.

1. What's the use of personal credit report

Personal credit report plays an important role in mortgage, credit card, private lending, job hunting, renting a house and other fields. Personal credit report is the paper report that directly reflects personal credit.

First of all, you need to check your personal credit report when buying a house, a car, a credit card, etc. If there are bad records on your personal credit report, banks or other lending institutions will not lend money;

Secondly, people with good credit, in addition to being easier to apply for loans, often get higher loan quotas.

Finally, reflecting people with poor personal credit records may affect job hunting in the future, because you have poor personal credit, so you are a person without credit. In this society, personal credit is very important. For people with bad credit records, employers often consider it when hiring.

ii. related knowledge

the credit information system of China people's bank includes the basic database of enterprise credit information and the basic database of personal credit information. The basic database of enterprise credit information began in 1997, and the nationwide online query was realized in July 26.

By the end of last year, the database included more than 1 million enterprises and other organizations, of which more than 6 million had credit records. The basic database of personal credit information was first built in 1999. At the end of August 25, it was connected with all commercial banks and some qualified rural credit cooperatives in China. In January 26, the basic database of personal credit information was officially put into operation. By 215, the database included 87 million natural persons, of whom 37 million had credit records.

the main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit personnel of branches of commercial banks through the intranet system of commercial banks. At present, the information sources of the credit information system are mainly financial institutions such as commercial banks, including basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.

Legal basis

Regulations on the Administration of Credit Information Industry

Article 19 If a credit information agency, information provider or information user adopts the terms of a standard contract to obtain the consent of the subject of personal information, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.

Article 129 of the Civil Code of the People's Republic of China

A civil subject may inquire about his own credit evaluation according to law; If it is found that the credit evaluation is improper, it has the right to raise objections and request necessary measures such as correction and deletion. The credit evaluator shall check it in time, and if it is verified, it shall take necessary measures in time.

article 13th the relationship between civil subjects and credit information processors such as credit reporting agencies shall be governed by the provisions of this book on the protection of personal information and the relevant provisions of other laws and administrative regulations.