How many points of personal credit report is considered normal, and how many points of credit report

Personal credit reporting. There aren't many points to say that it's normal. In general, the credit system.

A level of personal credit will be evaluated, which is specifically divided into five levels: "normal", "concern", "subordinate", "suspicious" and "loss", and the credit business will be handled.

Extended information: Credit is a Chinese word.

Pinyin is zhēng xìn, which means to collect, sort, preserve, and process the credit information of natural persons, legal persons, and other organizations in accordance with the law, and to provide services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks.

Conduct credit management activities. From "The Eighth Year of Zhao Gong" in "The Words of a Gentleman, Faith and Signing, So the Grievance is Far Away from His Body". Among them, "trust and sign" means that it can be verified that its words are faithful, or solicit and verify credit.

Credit reporting is an activity in which a professional and independent third-party institution establishes a credit file for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law, which provides a platform for professional credit institutions to share credit information.

In May 2019, the new version of personal credit information was officially launched, and the duration and granularity of credit information will be further improved.

The comprehensive score requirements for credit investigation are different for different credit cards and different loans, and the comprehensive score is only a scoring criterion, which does not mean that the credit is bad. The comprehensive score is assessed by the bank according to each customer's various circumstances, including marital status, occupation, income level, assets, liabilities, education, personal credit history, etc. Insufficient overall score means that the score of the comprehensive assessment based on your own situation does not meet the bank's standards.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Hello, four points are normal. Generally, when reviewing personal credit records, banks divide the security level of credit score into five levels, normal, concern, subordinate, suspicious, loss, normal and concern level are extremely qualified, and it is more difficult to apply for a loan or credit card after the sublevel.

Ask what a score of 470 is.

Ask a pedestrian inquiry.

Hello, 470 should have had an online loan, but there was no malicious overdue. Although the borrower has the ability to repay the principal and interest of the loan, there are some factors that may adversely affect the loan, and if these factors continue, the borrower's ability to repay will be affected, and the probability of loan loss will not exceed 5%. So it's okay.

Ask if you can apply for a loan.

Question: The loan has not passed the review several times, and the credit report will get better in a few months?

Say I've made too many inquiries.

Answer: It will take a long time for the online loan record on the credit report to be erased. It takes 5 years for the online loan record recorded on the credit report to be erased, while the online loan record in the online loan database can be erased after only 12 months. This credit can not be checked often, nor can it often be used for online loans, online loan companies will also check your credit, it is recommended that you do not inquire more than twice a year.

Question: Will the credit report return to normal in half a year?

There are no scores for credit reporting, only when taking out a loan, the evaluation of the user is divided into six levels.

They are: AAA level. With a comprehensive score of more than 90, the customer's income level is very high, the willingness to repay debts is very strong, the social status is very high, and the family environment is very superior, and the loan amount of 600,000 yuan can generally be obtained.

AA level. The comprehensive score is between 80 and 89 points, the customer has a high income level, strong willingness to repay debts, high social status, and a very superior family environment, and can generally obtain a loan credit line of 100,000 yuan.

Class A. The assessment score is between 70 and 79 points, the customer has a high income level, a strong willingness to repay debts, a high social status, and a relatively superior family environment, and can generally obtain a credit line of 50,000 yuan loan.

BBB level. With a score between 60 and 69 points, the customer has a medium income level, is willing to repay debts, has a certain social status, and has a good family environment, and can generally obtain a loan credit line of 10,000 yuan.

BB level. The score is between 50 and 59, the customer's income level is average, there is a certain willingness to repay debts, social status is average, your family environment is average, and you can generally only get a credit line of 5,000 yuan.

Class B. With a score of less than 49 points, the customer's income level is low, the willingness to repay debts is not strong, the social status is low, and the family environment is poor, and generally only can get a credit line of 3,000 yuan.

Extended Materials. The emergence of credit reporting activities stems from the emergence and development of credit transactions. Credit is a special form of value movement conditional on repayment, including forms such as money lending and commodity credit sales, such as bank credit, commercial credit, etc. The modern economy is a credit economy, and credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.

The essence of credit is a creditor-debtor relationship, that is, the creditholder (creditor) believes that the trustee (debtor) has the ability to repay, and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is becoming more and more extensive, especially when credit transactions spread to the whole country and the world, it will be extremely difficult for one party to the credit transaction to understand the credit status of the other party. At this time, understanding the credit of market trading entities has become a demand, and credit reporting activities have also come into being.

It can be seen that credit reporting is actually produced and developed with the emergence and development of the commodity economy, and is a credit information service provided for credit activities.

Summary. Dear dear, it's a pleasure to answer your <>

The credit score is normal 70 points or more, and the credit score is good at level A (including level A), that is, the credit score is above 70 points. It's best not to score below 70 or less, and you will be blacklisted<>

<> how many points are normal for credit reporting.

I checked the credit rating online is A, can I take out a loan to buy a house?

Dear and dear, it is not a pleasure to answer your <>

The credit score is normal 70 points, and the credit score is good at level A (including level A hole core), that is, the credit score is above 70 points. It's best not to score below 70 or less, and you will be blacklisted<>

I checked the credit rating online is A, can I take out a loan to buy a house?

Qinqin Check the credit rating on the Internet is A, you can take out a loan to buy a house <><

What level is not allowed to take out a loan to buy a house?

So why can't I apply for a credit card at the A level? It was brushed off.

Relatives with a credit of C and D cannot apply for a loan <>to buy a house

Kiss Credit card approval is a comprehensive factor of assessment, is there any overdue in your name?

Kiss personal credit rating is generally divided into one class: AAA level, AA level, A level: the comprehensive score is more than 70 points, and it is very honest and prudent in financial business such as loans.

The AAA grade has reached more than 90 points, and there is basically no overdue situation. Second class: BBB, BB, B:

The comprehensive score is above 50 points, and it is relatively trustworthy in financial business such as loans. Third class: CCC, CC, C:

The willingness to repay at this level is very poor, and there are often defaults such as overdue, and it is even directly blacklisted in Xiangliang Town. Grade D: No credit, on the verge of bankruptcy <>

In the traditional sense, only the bank version of the credit can be queried, and the so-called credit score of an individual basically belongs to a third-party institution calculated according to big data, such as the score of a certain treasure, and the score of a certain credit, which is not a reference, because banks and other financial institutions mainly look at the credit report of the People's Bank of China.

The "digital interpretation" on the credit report is to make a comprehensive assessment of the credit information on the credit report, which is the quantification of the information in the personal credit report, and gives a score to the credit report, which is used to determine the credit status of the credit subject in the future and judge the credit status of the credit subject, and as a tool for credit management (pre-loan, loan and post-loan) of financial institutions.

The "digital interpretation" of personal credit report adopts the world's leading scoring model development technology, uses the historical credit records of the personal credit reporting system, and displays the default probability of credit subjects in the next two years in an objective and quantitative way, and displays it in the form of "digital interpretation" value, aiming to help credit institutions use credit report information more conveniently, quickly and consistently, and achieve the purpose of more accurate and effective credit risk management. The Credit Information Center of the People's Bank of China has steadily improved the efficiency and stability of the "digital interpretation" inquiry service by enriching the "digital interpretation" inquiry channels and improving the scoring function.

"Digital interpretation" is shown in the information summary of the second part of the personal credit report (bank version), which is a typical general-purpose credit risk score, which is an empirical model built on the basis of the actual credit data of the information subject in the past, and is used to determine the probability of default of the information subject. The score range for "digital interpretation" is 0 1000 points, and the score represents the creditworthiness of the information subject and the likelihood of future default. From low to high, the likelihood of future default by the information subject is getting lower and lower.

Based on this score, financial institutions can comprehensively consider whether to extend credit and the amount of credit granted in combination with internal scores. This product is a common and efficient personal credit risk quantification service tool in the international credit industry, and is an indispensable tool in the automatic decision-making of modern credit institutions.

The score of "Digital Interpretation" covers all people (more than 500 million people) with credit records in the credit information system, and the assessment scope includes credit cards, housing mortgage loans, rural household loans, personal consumption loans, personal business loans, etc., but does not include personal basic information (including age, gender, occupation, place of origin, address, etc.) and other information other than credit information. As of the end of 2016, "digital interpretation" has been verified and trialized in 105 financial institutions across the country, including 53 institutions that have opened the authority to inquire about credit reports containing "digital interpretation", 48 institutions that have inquired behavior, and the cumulative number of credit reports containing "digital interpretation" in the personal credit reporting system is about 100 million.

It is normal for a credit score to be at level A (including level A), that is, a credit score of more than 70 points.

The security level of the credit score is divided into five levels, normal, concern, secondary, suspicious, loss, normal and concern level is to indicate passing, and it is more difficult to apply for a loan or credit card after the secondary level.

The five-level classification criteria for personal credit reporting are as follows:

(1) Normal

The borrower is able to perform the contract without any factors affecting the borrower to repay the loan on time and in full. The financial institution has a full grasp of the borrower's repayment ability, and the probability of loan loss is 0.

(2) Attention

Although the borrower is currently able to repay the principal and interest of the loan, there are some factors that may adversely affect the repayment, and if these factors continue, the borrower's ability to repay will be affected, and the probability of loan loss will not exceed 5%.

(3) Subordinate

The borrower had obvious problems with his repayment ability, began to be overdue, and was unable to repay the loan principal and interest in full by relying solely on his normal business income, and needed to repay the loan by disposing of part of the borrower's assets or even executing mortgage guarantees, and the loan loss rate reached 30%-50%.

(4) Suspicious

If the borrower is unable to repay the principal and interest of the loan in full, even if the mortgage or guarantee is executed, it will definitely cause a large loss. In order to recover the loss of funds, financial institutions will use the collection team to reorganize, merge, merge, and dispose of collateral for the borrower's assets to ensure the return of funds, even if the loss and waste of labor costs, but also to recover the debts due, and the probability of loan loss is as high as 50%-75%.

(5) Losses

The borrower has been unable to repay the principal and interest, no matter what measures and procedures are taken, the loan is destined to be lost, or a very small part of the funds are recovered, from the perspective of financial institutions, there is no need to keep in the accounts of assets, so in many cases, in order to avoid the occurrence of non-performing loans, the best way for banks and guarantee companies is to go through legal procedures and transfer and write off bad debts. The loss rate of its loans accounts for 75%-100%.

There is no unified standard for how much credit score passes, and when the general bank reviews personal credit records, the security level of the credit score is divided into five levels, normal, concern, secondary, suspicious, loss, normal and concern level is to indicate the extreme, and it is more difficult to apply for a loan or credit card after the sublevel.

The first is to guard against credit risks. Credit investigation reduces the information asymmetry of all parties involved in the transaction, avoids the transaction risk caused by information asymmetry, and thus plays a role in risk judgment and disclosure.

The second is to expand transactions. Credit investigation solves the bottleneck problem that restricts credit transactions, promotes the conclusion of credit transactions, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and methods of credit glue, and drives the expansion of the scale of credit economy;

The third is to improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions has been reduced, the transaction time has been shortened, the transaction space has been broadened, the operational efficiency of economic entities has been improved, and economic and social development has been promoted;