What does the credit investigation include?

1. Basic information, recording personal identity information, residence information, occupation information and other basic information;

2. Credit information, in a nutshell, is information about personal borrowing and repayment, such as the use records of loans and credit cards, which is the core information in the credit information report.

3. Non-financial liability information is formed by first consuming and then paying, such as telecom payment.

4. Public information, social security accumulation fund information, court information, tax arrears information, administrative law enforcement information, etc.

5. Inquire about information and record the recent period, when and why who checked your credit report.

Related knowledge supplement:

First, the harm of bad credit information

There are many hazards of bad credit records, the first is loans. If you have a bad credit record, you may not be able to get a loan from a bank or even a credit card. Second, it affects travel. If overdue repayment is included in the credit information system, personal travel will also be affected, such as being unable to take a plane or train; In addition, bad credit records will also affect employment. Large companies will conduct background checks on employees before they join the company. If they find bad credit records, they will basically miss the job. At the same time, bad credit records also have a certain impact on families. For example, if one person between husband and wife has a bad credit record, then the other person who wants to borrow money to buy a house or a car is likely to be rejected.

Second, can credit reporting be repaired?

Credit repair can be repaired in the case of credit error, but not in other cases. Personal credit report objectively shows the consumer's repayment record and pays off the debt. The personal credit report will show the paid-off records, but the negative records such as overdue that did happen before cannot be deleted or modified.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to legal requirements. Mainly to provide a platform for professional credit reporting agencies to share credit information.

Credit information is to upload personal consumption records and credit records to the central bank's credit information system, so that these records can be reflected in personal credit reports.