Check the credit record of the individual within five years, and the personal credit report is the r

Currently, there are three types of credit databases.

Online loan database, Baixing credit, central bank credit.

The online loan database generally does not count the online loans that do not have credit information, and basically the online loans that do not have credit information will be uploaded to the online loan database.

Baihang Credit Statistics Statistics on the Loan Data Information of Some P2P Online Lending Platforms.

The central bank's credit investigation only counts the borrowing data information of formal online loans.

Generally speaking, if you want to query the online loan data report, then you only need to query the online loan data and the central bank credit information.

The database cooperates with more than 2,000 online lending platforms, and the query data is very accurate and comprehensive.

You can view the number of applications of the user, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonest person information and other data. You can also know the details of the overdue online loan, including the number of overdue days, the overdue amount, and the overdue platform.

Among them, users can judge whether they are blacklisted users based on the online black index score.

The score standard of the Internet black index is: 0-100 points, the lower the score, the better the credit.

The hit risk reminder can help users better understand their own shortcomings and improve the approval rate of online lending platforms.

Yes, is there someone else's name and ID number?

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.

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.

The People's Bank of China (the people'S Bank of China, abbreviated as PBOC), referred to as the central bank, is the ** bank of the People's Republic of China and is the *** component department. Under the leadership of the government, formulate and implement monetary policy, prevent and resolve financial risks, and maintain financial stability.

In accordance with the provisions of the Law of the People's Republic of China on the People's Bank of China, the People's Bank of China independently implements monetary policy, performs duties and conducts business under the leadership of the People's Bank of China, without interference from local governments, social groups and individuals.

The personal bad credit record will be retained for 5 years after the overdue project is paid off.

The loan history, including the amount of money, the loan originator and other information, will always be stored and will not be erased. Regardless of whether the account is closed or not, the loan history will not be erased.

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If you need a credit loan, you can try to spend money on loans, "money to spend" uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services, the application materials are simple, the fastest 30 seconds for approval, the fastest 3 minutes for loans. Early repayment is possible, and the recovery limit can be revolving after repayment.

The general personal credit report is cleared in 5 years, provided that you do not have arrears that have not been repaid, generally repaid, overdue or bad credit, etc., from the date of your repayment of 5 years of clear records, black accounts are not clear, you must take your credit history seriously, which will affect the future banking business, car loans, housing loans, etc., if there is arrears, you must repay in time, to ensure that it is cleared after 5 years.

5 years. The credit report records the user's information in the last 5 years, and the personal credit report of the last 5 years will be displayed when the credit report is printed, but the bank will focus on the last two years when viewing. In order to avoid being rejected due to credit reporting, it is best for users to consult the bank before applying for a loan.

Extended information: Nine things to keep in mind when buying a house with a loan.

One, enough down payment.

If you want to buy a first home, then you need to prepare a 30% down payment, and at least 40% for the second set (the policy varies from region to region, and the down payment for the second set in Beijing is 60%-80%). It is advisable for the borrower's monthly income to reach more than twice the monthly payment, and the self-inspection rate of the loan has been increased.

Second, do not withdraw the provident fund before applying for a mortgage.

The loanable amount of the CPF loan is calculated based on the balance of the CPF account, if you withdraw the CPF before applying for a mortgage, then your CPF loanable amount will also become zero (the loanable amount of the state-managed provident fund and the municipal provident fund are calculated differently!). ）

Third, the repayment method.

There are two main ways to repay a mortgage

1) Equal principal and interest.

2) Equal principal.

The upfront repayment pressure of the equal principal is greater, and the interest is less. The monthly repayment amount of equal principal and interest is the same, and the monthly payment pressure is less but the interest is higher than that of equal principal. You can choose according to your own self-test ability.

Fourth, don't repay the loan early within a year.

It is best not to repay the loan in advance within one year from the date of the loan, and the partial early repayment should be made after one year of repayment according to the relevant provisions of the provident fund loan, and the repayment amount of the lender shall not be less than 6 months' repayment.

Fifth, the tenant needs to be informed of the rental house.

If you want to rent out the house, you are obliged to inform the tenant in writing of the fact that the house has been mortgaged.

Sixth, if you are facing overdue, you should contact the bank in time.

When facing overdue, you should communicate with the bank in time to inform the reason for overdue. After verification, the bank will generally accept the application for extension of the loan period if the situation is confirmed to be true and the borrower has no malicious intention to overdue.

Seventh, after the loan is settled, the mortgage will be released from the Construction Committee.

After the loan is paid off, the house is not yours, and you need to take the bank's settlement certificate to the Construction Committee to release the mortgage, and the house is really yours.

8. Keep the contract properly.

Due to the long term of the loan, the IOU and the contract are important legal documents, and the borrower should keep the IOU and the contract so as not to lose them.

9. Choose a bank.

The policies of each bank are slightly different, and borrowers should choose the best bank for them after fully understanding their own circumstances and needs.

The personal credit report will start from the time you have a credit card or loan, but the bank will generally look at the situation in the past two years and refer to the reports of the past five years for a comprehensive score.

Credit Reports. Showing the personal credit situation, many people know that the credit is updated once every five years, but they don't know much about how the credit update time is calculated, so how is the credit updated every five years?

How is the credit report updated every five years calculated?

Chapter 3 and Article 16 provides, "The period for credit reporting establishments to retain negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. "For example, if the credit report is updated to delete a loan overdue record, the deletion time is not calculated from the date of overdue, but from the date of repayment of the loan.

In short, the five-year renewal of credit is calculated from the date of termination of the bad behavior or event. If the negative information is found to be incorrect, the individual has the right to raise an objection to the credit bureau or information provider, and Sun Kuan also asked the person to correct it.

The "Regulations on the Administration of the Credit Reporting Industry" provides: The retention period for credit reporting establishments of negative personal information is 5 years from the date on which the negative conduct or incident is terminated; If it has been destroyed for more than 5 years, it shall be deleted from the Sun Book. This is 5 years from the last day you pay off.

The number of credit inquiries is divided into different situations, as follows:

1. No more than 3 times per month and no more than 10 times in 1 year for the same lending institution.

As the saying goes, you can't do it again, you can't do it again, the same loan approval of the same lending institution, if you are authorized to check the credit twice and can't release it, it means that the applicant's comprehensive credit is on the verge of reaching the standard, not good enough, so when the lending institution gives feedback, you should not repeat the application for a period of time, it is recommended that at least 2 months apart, no more than 10 times in 1 year.

2. No more than 5 times a month and no more than 20 times within 1 year for multiple lending institutions.

Many people think that this is not approved, I will change one, there is always one that can be approved, it is true, because different lending institutions, their own risk tolerance is also different, so try a few more is right, but this number of times should be controlled, especially within a month of continuous loan application, if rejected by 5 institutions, you must learn to give up appropriately, after all, the rejection of 1 person can be said to be this person's problem, but the rejection of 5 people has to find reasons from themselves, Since the influence of multiple lenders cannot be simply superimposed, it is recommended that it should not exceed 20 times in 1 year.

3. Post-loan management inquiry

This is controlled by the lending institution, after all, I have authorized it, as long as it is after the loan is successfully issued, before the loan is settled, or before the credit card is cancelled, it is convenient for the lending institution to control the debtor's debt and repayment in real time, and generally has its own inquiry cycle and risk control standards, as long as it is not a frequent continuous operation within 1 year, it is considered normal.

4. Personal inquiry

There is no limit to the number of times, no matter how many times you check the credit, it can be said to be normal. It's just that the credit reporting industry has relevant management regulations, and each person only has two free inquiry opportunities per year, and the third time is charged at 10 yuan.

Now there are many online loan big data systems that can provide online loan record query, which can be searched: Xiaoqi Xincha. You can query the online loan application record, the type of application platform, whether it is overdue, the overdue amount, the estimated credit limit of credit card and online loan, and other important data information.

The Credit Information Center of the People's Bank of China has no limit on the number of times a personal credit report can be printed, but from June 3, 2014, the Credit Information Center has issued a new regulation: each person can make two free inquiries about personal credit information per year, and a service fee of 25 yuan will be charged for each time after the third time.

In addition, the personal credit report should not be queried too many times, and it is best not to check it more than 6 times a year, otherwise it will affect the personal credit, especially the number of credit inquiries, but the credit card and loan that have not been successfully applied for under the name will be determined by the bank as having bad personal credit.

It is recommended that you can learn about your current credit situation in the "Beijian Quick Check", get rid of bad loan application habits, and cover untrustworthy behaviors with new good payment records.

The role of the personal credit report is to provide an honest basis to individuals or institutions, reflect the citizen's lending information from the record, as long as there is a business need, you can check personal credit anytime and anywhere, and once you find an objection to the information record, you must deal with it in a timely manner. According to the bank's internal personnel, it is best not to inquire more than 5 times a month. If the number of credit inquiries is too much, then it will reflect that the customer's potential debt pressure is greater, the customer's potential risk is higher, and the information subject can inquire about its own information from the credit reporting agency.

Personal information subjects have the right to obtain their credit reports free of charge twice a year. According to reports, in the branches of the People's Bank of China across the country, as well as the outlets of some financial institutions, and the government affairs halls of some regions, inquiries can be made through self-service inquiry machines. If it is found that there are errors or omissions in the information collected, stored, or provided by credit reporting establishments, the information subject has the right to raise objections to the credit reporting establishments or information providers.