How long is a personal credit report valid for

Hello, the validity period of the credit report is generally one month, if you use it for credit application, it is recommended that you use Rich Money, "Rich Flower" is the original financial credit service brand (original name: Rich Flower, renamed "Rich Flower" in June 2018), positioned to provide personal consumer credit services for the public, to create an innovative consumer credit model. Relying on the advantages of technology and scenarios, "Rich Money" uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services, with simple application materials, the fastest 30 seconds for approval, and the fastest 3 minutes for loan disbursement.

Early repayment is possible, and the recovery limit can be revolving after repayment. It has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately!

The maximum borrowing amount is 200,000.

The Regulations on the Administration of the Credit Reporting Industry provide:

2.The People's Bank of China stipulates that all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot be tampered with. The bank will not make any bad evaluation of the usage records, but only give honest feedback on the historical usage records without any subjective judgment.

If you follow up on the loan business, the lender will make comprehensive reference to your credit history, and not only for a certain period of time, but also if you can maintain a good consumption and repayment history, you will continue to increase your creditworthiness.

3.The credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit record caused by the overdue repayment of the credit card will be kept in the credit information system for two years. If the card is terminated, the corresponding record is no longer scrolled, but is saved for a long time.

Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, and maintain good credit during the period, so that the bad record can be removed from the credit information system by rolling records.

How long is a credit report valid for.

The detailed credit information printed at the Credit Information Center of the People's Bank of China is generally valid for 15 days, and this report can be used to apply for a loan at the institution within 15 days, and it is generally necessary to reprint it after 15 days. The simplified version of the credit information generated by registration on the official website of the People's Bank of China is valid for 7 days, and re-registration is required after 7 days (generally when applying for institutional loans, the validity period can be extended by 7 days after letting the loan officer enter the system, and the extended 7 days are only applicable to the lending institutions entered into the system).

There is no specific implementation of the validity period of the credit report, basically it is within a month, and it is considered valid, so try to get the latest one.

I believe we all know that credit reports are very important to everyone, and credit reports are required to handle many businesses in life, so there is a question here, how long will the credit report be valid when it is printed?

Is there an expiration date for a credit report?

The credit report has an expiration date, first of all, the validity period of the online check credit is 7 days, the detailed version of the credit is the paper version of the credit that we usually print, its validity period is determined according to our use, for example, we are buying a house loan, its validity period is generally 7 15 days, for example, our mortgage or commercial loan, its validity period can be 15 days to a month, or for example, we join, go abroad, study abroad and other time, his validity period can be used for one week. Therefore, the use time of the detailed version of the credit report is determined according to the use of the information. <

How long are credit records kept?

Bad information is to keep 5 years of repayment records from the date of termination of bad behavior, is displayed in your personal credit report, and the arrangement record of the past 5 years is a normal record of inquiry records in your personal credit report for nearly two years, which is similar to some basic personal information, which will be permanently displayed in your personal credit report. <>

Will credit records be eliminated after 5 years?

It's still going to be if it doesn't get rid of it, but if it does, it won't be that serious. What about this credit report, this year has updated the old version of the credit, he can only see your repayment information in the last two years, and can not see your specific overdue time and amount, can only see, you are overdue within 30 days, but you can't see the amount, but the new version of the credit, it can not only see the specific number of days you are overdue, but also see the amount of your overdue, even if it is a dollar will be raised, you will see it clearly, so what about the new version of the credit, It's now more detailed, more clear, I think this is a person who is very conducive to our financial industry, to judge whether a customer's credit is good or not. <>

The validity period of the credit report is generally seven to thirty days, if it exceeds this time, the report has become invalid, it is useless, and it needs to be reprinted if necessary.

Under normal circumstances, the validity period is 7 to 30 days, because everyone's credit information system will be updated regularly, and the credit report will be reprinted after a month.

The validity period should be 7 days to 30 days, and it is renewed once a month, and this is also stipulated by the bank, so the validity period should be about 7 days to 30 days.

The general validity period is about 7 days to 30 days. And this is also the standard prescribed by the bank. It will be updated every month.

The validity period is about one month. After a month, it will become invalid.

The validity period of the credit report is generally 7-30 days, which is subject to the bank's regulations.

Because of the personal central bank credit system.

Renew once a month, if more than one month of personal credit report.

There may be changes, the printed credit report only states the status of the personal credit report for the current month, so the shorter the time of the printed credit report, the better.

It should be noted that the validity period of the personal credit report for applying for a housing loan is usually within 15 days, and it needs to be re-checked and printed after the expiration date. The number of credit report inquiries should not be too much, so be careful not to print the credit report too much in advance. It should also be emphasized here that the personal credit information search and balance interest queried on the official website of the central bank is only kept for about a week, and attention should be paid to timely preservation.

Extended information: 1. Online printing process of credit report.

1. Enter the People's Bank of China Credit Information Center through a browser.

**, click on "Start Now".

2. Fill in the information directly if you have already registered, and click "New User Registration" if you have not registered.

3. New users fill in the user information, follow the first step after registration, click Start Now, and log in directly according to the registered information in the second step.

5. Go to the "Verification" interface and click "Get UnionPay".

Captcha". 6. After verification, enter the next interface and fill in the online banking that I have opened.

of a bank card, submit for correction.

Generally, the electronic version of the credit report will come out within 7 to 15 working days after submission.

If you want to print offline, you only need to bring your ID card.

Original, go to the People's Bank of China (note that it is not the Bank of China) to print, generally there is a prompt sign telling you to go to that office to print. Of course, there are some places where Shitan doesn't help you make a copy of your ID card, so it's best to make a copy of your ID card yourself and take it with you.

2. The content of the credit report.

The six-page report includes three main categories of information in addition to basic personal information:

1. Credit information, including loans, credit cards, guarantees, leases, etc.;

2. The credit information of consumption first and payment later mainly includes public utilities such as telecommunications;

3. Public information, including administrative licensing.

administrative punishments, as well as information on judgment defaulters from the court.

If there is a bad record, it will appear in the column "Overdue and Default Information" after the basic information.

Generally works all the time. The credit report inquiry record is shown for the past 2 years, while the normal credit record, no matter how long the record is recorded, will be displayed on it. The public records will show the tax arrears records, civil judgment records, enforcement records, administrative penalty records and telecom arrears records in the past 5 years.

The credit overdue record will be retained in the credit report for 5 years from the date of settlement.

Extended information: Credit information includes personal credit and corporate credit in two aspects, of course, there is also ** credit, but it can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of the credit ability (mainly the solvency and its degree of solvency) on the basis of the analysis and research of the credit records, operating levels, financial conditions and other factors of enterprises, bond issuers, financial institutions and other market participants. In the form, enterprise credit is manifested as a kind of comprehensive analysis and measurement of the performance ability and its credibility, and it is an indispensable intermediary service in the market economy system.

Personal credit reporting refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users. Personal credit reports are personal credit history records that credit reporting establishments have collected in accordance with law, processed and sorted out in accordance with law, and finally provided to lawful information inquirers in accordance with law.

The credit report is based on the "Report on the Development of China's Credit Information Industry (2003-2013) Released by the People's Bank of China" by the People's Bank of China: It is a way to collect, sort, preserve and process the credit information of natural persons, legal persons and other organizations in accordance with the law.

In addition to the most common credit card overdrafts and overdue personal mortgage loan repayments, some behaviors such as failure to pay bills on time and guarantees may be included in the personal credit report. According to the report, if I have any tax arrears, civil judgments, compulsory enforcement, administrative penalties or telecommunications arrears, etc., the report may be displayed. This means that future utility or landline bills, as well as guarantees for third parties who fail to repay their loans on time, will also be included in their bad credit history.

The new version of the credit report of the central bank's personal credit reporting system has been put into operation, and the "validity period" of overdue records has been officially set at five years. The new version of the credit report sets the start point of overdue information in October 2009, and the previous bad repayment records have been deleted.

Update every one to two months. Personal credit information.

refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users. Personal credit report.

It is the personal credit history of the credit reporting establishments that lawfully process and sort out the information collected in accordance with law, and finally provide it to lawful information inquirers in accordance with law.

Further information: 1. According to the People's Bank of China.

Article 6 of the "Interim Measures for the Management of Basic Personal Credit Information Databases" (Order No. 3 of 2005 of the People's Bank of China) stipulates that "commercial banks shall comply with the standards for personal credit databases issued by the People's Bank of China and their relevant requirements, and report personal credit information to the personal credit database accurately, completely, and in a timely manner", and commercial banks shall promptly report personal credit information to the personal credit information database. At present, it is tentatively set to have personal credit information automatically collected by each commercial bank once a month, and to be reported to the personal credit information database through the system, and under special circumstances, it is not to be submitted once every two months. If you need to change urgently, you can go to the bank where your loan is located to make a request, as long as they report your loan settlement information to the People's Bank of China, you can update it as soon as possible.

1.Basic information on individuals and hail that can be used to identify individuals and reflect their family, occupation, etc.;

2.Personal credit information of individuals who have credit relationships with financial institutions or housing provident fund management centers and other institutions to form Zhaofan;

3.Personal credit purchase and payment information formed by the credit purchase relationship between individuals and commercial institutions and public utility service organizations;

4.Information on public records related to personal credit formed by administrative organs, administrative affairs enforcement bodies, and judicial organs in the course of exercising their authority;

5.Other information related to personal credit.

2. The meaning of personal credit reporting:

1.Personal credit reporting system.

Also known as consumer credit information system, it mainly provides personal credit analysis products for consumer credit institutions.

2.The data of the personal credit reporting system is no longer limited to traditional operations such as credit records, and the attention is gradually shifting to the business field of providing comprehensive social data services.

3.The personal credit information system contains extensive and accurate consumer information, which can solve the problem of insufficient customer information on corporate marketing.

constraints that help businesses to be most effective.

4.One-third of the profits of personal credit bureaus come from direct sales or database marketing, and personal credit reporting systems have been widely used in corporate marketing activities.

5.The personal credit reporting system is composed of a special machine to establish a "credit file" (i.e., personal credit report) for each person, and then provide it to banks, data subjects themselves, financial regulators, judicial departments and other ** institutions for use.