The object of personal credit is the individual, who, as a data subject, has no rights

First of all, there is the basic information of the individual, such as education, occupation, marital status, etc. Secondly, there is credit transaction information, such as loan information, credit card, debit card, guarantee information, etc. Finally, there is public information that can reflect the credit status of individuals, such as information on administrative rewards and punishments, court judgments, etc.

Should. Legal analysisThis item will list in detail the information of each promise card and loan transaction, and show in detail the previous debt history of the credit respondent. Credit investigation arrangements and credit banks often analyze consumers' behavior and preferences from this information, and judge consumers' future repayment abilities from their past repayment intentions. This information is important.

3. Non-bank promises: record the payment of consumers' bills in communications, water, electricity and coal, such as whether the use of mobile phones is normal, whether there are arrears in public utilities, etc. 4. The second word records:

When the party being credited to the credit investigation finds that there is a dispute regarding the content reflected in the statement, it may be reflected in that part by adding a statement, and the individual has the right to submit a second statement, which not only reflects the protection of the individual's legitimate rights and interests, but is also an important way for the credit investigation to arrange for information to be proofread and updated. 5. Inquiry records: It is a summary of all the records that have been queried by individuals in the last 6 months.

Assuming that there are too many records of inquiry, and there is no record of card issuance or loan during this period, the bank will feel that the qualifications of the party subject to credit investigation are not good, which will affect the processing of the loan request and the promise of the card in the future.

Legal basisSeveral Provisions of the Supreme People's Court on the Publication of Information on the Judgment Defaulters List》 Article 6: The information recorded and published on the Judgment Defaulters List shall include: (1) the name of the legal person or other organization that is the person subject to enforcement, the name of the unified social credit** (or organizational structure**), and the name of the legally-designated representative or responsible person; (2) The name, gender, age, and ID number of the natural person subject to enforcement; (3) The obligations set forth in the effective legal documents and the performance of the person subject to enforcement; (4) The specific circumstances of the judgment debtor's untrustworthy conduct; (5) The unit and document number on which enforcement is based, the enforcement case number, the time when the case was filed, and the enforcing court; (6) Other matters that the people's courts find should be recorded and published that do not involve state secrets, commercial secrets, or personal privacy.

, credit reporting, that is, the collation, collection and evaluation of personal credit reports.

2. Mainly used in banking business, personal loans, credit cards. Banks need to look at an individual's credit report and make an assessment, and this process is called credit reporting.

3. The bank will hand over the credit information about you to a special institution for aggregation, and this special agency will establish a credit file (i.e., personal credit report) for you, and then provide it to each bank for use.

4. This kind of activity of sharing credit information between banks through third-party institutions is credit reporting, in order to improve efficiency and save time.

5. In China, the People's Bank of China Credit Information Center (hereinafter referred to as the Credit Information Center) is to establish yours"Credit files"and specialized institutions that provide personal credit information to commercial banks.

Personal credit data, bank credit, contract disputes of owned companies, financial disputes, contracts between individuals and others, financial disputes, and so on are summarized.

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.

As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories. [1]