Save it. Do you want to check personal credit information?

when applying for saving money, it is necessary for the bank to authorize the loan amount. When authorizing, the bank will check the credit record for safety reasons, and users with poor credit record may fail to borrow money. At present, according to the customer service instructions of the province, not everyone in the province will check the credit information and check the credit information every time. Customer service original words "personal credit information may be inquired according to needs during the audit process.

1. Personal credit investigation refers to the activities that a legally established personal credit investigation agency collects and processes personal credit information and provides personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting the information collected according to law.

2. Credit report

At present, it is mainly used for various consumer credit businesses of banks. With the continuous improvement of social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, recruitment and job hunting. In addition, the personal credit report also provides the inquirer with a way to examine and standardize his own credit history behavior, and forms a verification mechanism of personal credit information.

III. Influencing factors

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

4. Upon receiving the objection, the credit reporting agency or information provider shall mark the relevant information with the objection according to the regulations of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 2 days from the date of receiving the objection, and reply the result in writing to the objector.

5. after verification, it is confirmed that there are errors or omissions in relevant information, and the information provider and credit reporting agency shall correct them; If it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

VI. Development

At present, the personal credit investigation business has been further expanded to foreign banks and non-banking fields, and it has cooperated with institutions such as pawn, guarantee and leasing, and entered a brand-new development stage. The enterprise credit information system collects all kinds of business credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information and performance evaluation letter of state-owned assets.