What should I do if I don t have a credit record, is it normal to have a credit report without a cre

This can happen for two reasons:

1.There is no proof of the person's credit record in the personal credit reporting system.

2.This person has no loan history, and has not applied for credit cards, credit cards, etc., including all financial institutions in the country that carry out loan business.

Personal Credit Reporting System:

Also known as consumer credit information system, it mainly provides personal credit analysis products for consumer credit institutions. The personal credit information system contains a wide range of accurate consumer information, which can solve the constraints of insufficient customer information on enterprise marketing, and help enterprises to contact their target customers in the most effective and economical way, so it has a very high market value, and the application of personal credit information system has also been extended to direct sales and retail and other fields.

Summary of the relevant person in charge of the business management department of the People's Bank of China, the competent authority responsible for the personal credit reporting system: The personal credit reporting system is a "credit file" (that is, personal credit report) established by a special agency for each person, and then provided to banks, data subjects themselves, financial regulators, judicial departments and other ** institutions for use. This kind of activity of sharing credit information between banks through third-party institutions is called credit reporting.

Specifically, personal credit information is divided into three components. The first part is basic personal information, the second part is credit information, and the third part is non-bank information. Basic personal information includes personal identity, spouse identity, residence information, occupation information, etc.; Credit information includes summary of bank credit credit information, summary of credit card quasi-credit card information, summary of loan information, summary of information on loan guarantee for others, etc.; Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecommunications user payments, etc.

Depending on the situation, the customer's personal declaration will also be included in the system information. This information does have the potential to influence an individual's borrowing behavior at the bank.

This means that there is no business related to credit, guarantee, credit card and other business in the bank, and there is no relevant inquiry record.

If after a query, a lot of personal information in it is still empty, but there will be a query record at the end, which will list the reason for the query and the ** of the bank to be queried.

Chinese people's personal credit can be inquired through two channels:

1. Bring your ID card.

Or the principal's ID card and power of attorney.

Go to the People's Bank of China where you are located.

The credit inquiry window provides ID cards for handling and printing personal credit records;

2. Open the Chinese People's Credit Center.

Official website (, mobile phone number with ID card registration account, in the personal inquiry column to submit a personal credit record inquiry application, usually within 72 hours the mobile phone will receive the credit information center sent by the inquiry code. Open the official website of the Chinese People's Credit Information Center again to log in to the registered account, enter the SMS inquiry code in the personal inquiry column to view the personal credit information, and at the bottom of the page you can generate a PDF document ** to save.

If the person has never done some credit activities with financial institutions, then the person's personal credit history will not show relevant information. If the person has never had a credit card or debit card, then there will be no credit history in the credit report at this time, because the person has not used a bank card to make purchases at all, so of course, the relevant information will not be displayed on the personal record. So if you check the credit report and find that the credit report does not appear on the credit record, then it means that this person is a white household.

How to keep a good personal credit report and smooth loans

Don't overdue: Whether it's repaying the credit card after swiping the card, or repaying the mortgage, you must pay attention not to overdue repayment, once overdue, not only will you incur penalty interest, but also the consumption record will be kept in the personal credit system. Then at the time of the loan, it is easy to be rejected when it is reviewed.

Don't have too many sleeping cards: Many people always feel that after applying for a credit card, it will not affect if they do not open it and do not use it. However, in fact, if the applied credit card is not activated, as long as the credit card is approved, whether the card is opened or not, will be recorded in the cardholder's personal credit system, and the credit card of the bank will be affected if you want to apply for it in the future.

And some specific cards will have an annual fee even if they are not activated. If you inadvertently omit this point, it is likely to cause your credit card to be overdue and have a bad credit history.

Don't default on living expenses: The new version of the personal credit system has been launched, and all kinds of water and electricity bills and ** fee payments in life are all recorded in the personal credit record. Once you can't pay the bill on time, or even there are things like subway fare evasion, for the current era of real-name system and the Internet, your records will all be recorded in the personal credit report, which will inevitably cause bad credit information.

Only by maintaining a good personal credit can you get a loan smoothly. But also pay attention to saying goodbye to white households. Many people always think that if they never take out a loan and have a good credit report, then the loan will definitely be paid smoothly, but in fact, users who have never taken out a loan may also be rejected when they take out a loan.

A white bank account refers to a person who has never applied for a loan or credit card from any financial institution, and whose personal information has not been entered by the credit information center of the People's Bank of China. Generally speaking, for white bank accounts, when you take out a loan, the bank or financial institution will not be able to inquire about your spending power, repayment ability and credit status, and will not be able to make an objective and reasonable judgment. Therefore, it is often more difficult for white households to apply for loans than for customers with credit records, and without personal credit records, banks cannot guarantee whether the borrower can repay the loan on time and in full, so in order to control the bank's own credit risk, it will generally be cautious in lending, even if the loan is agreed, the loan amount will not be too ideal.

Therefore, it is necessary to take out a loan appropriately or apply for a credit card reasonably.

If you can take out a loan to buy a house without a credit record, the absence of a credit record only means that there is no credit record for reference, and it will not be impossible to take out a loan to buy a house because there is no credit record.

Because the bank will evaluate the applicant from other aspects, such as the applicant's repayment ability, income, etc., as long as the applicant meets the loan conditions, even if there is no credit record, the bank will also agree to the loan application and lend.

Therefore, it is recommended that you can apply for a credit card appropriately to cultivate a good credit report, which is conducive to applying for a loan in the future.

In addition, if credit is very important, once the credit is affected, it will lead to the loan application will be affected, so be sure to maintain a good credit report.

If the borrower does not have a credit record, he can also apply for a loan from the bank. Borrowers who do not have a credit record actually refer to the credit white households, and the credit investigation white households have only handled bank-related business, which does not mean that these people do not meet the requirements of bank loans.

If there is no credit record, even if the white household has no loan information, it can apply for a loan.

Here's why:

If you go to check personal credit and find that there is no credit record, it is likely that the customer has never applied for credit cards and loans. Therefore, there will be no inquiry records in the name of "credit card approval" and "loan approval" left by banks or licensed consumer finance companies on the credit information, as well as related consumption, borrowing and repayment records.

And because such customers have no information in the credit information system and are blank, they are also called "pure white households" in credit reporting. It should be noted that in addition to the "pure white households" for credit investigation, there is also a group of "white households" for credit reporting, which refers to customers who have applied for credit cards or loans, but failed to apply, and the time has passed for more than half a year.

Introduction:

Credit reports are divided into personal credit reports and enterprise credit reports, which are records of personal credit information issued by the Credit Information Center of the People's Bank of China and used to inquire about the social credit of individuals or enterprises.

There are three types of credit reports, namely basic personal information, credit transaction information, and other 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. On January 19, 2020, the second-generation credit information system was officially launched.

What is the reason for this, is it because you have never borrowed money from a bank or taken out a credit card or other loan? If that can only tell you, it's enviable.

In fact, in the credit society, if you don't do something related to credit, you are too sorry for your credit. Because there is no credit history, it is not easy to borrow money from the bank when you need a large amount of money.

But you can't let your personal credit report have a bad record.

The best way is to do what you can.

There is no personal credit record belonging to the white household. The so-called white households, that is, the group of people who do not have any personal credit history. If you want to be a white household, the solution is very simple, you can go to the bank to apply for a credit card to spend, the amount does not matter, the bill is repaid normally, and then it will not be a white household.

Generally, yes.

Generally speaking, not having a credit history is not an obstacle to a successful loan application, unless otherwise specified by the individual bank. In addition, if the loan application is successful, the borrower should remember to pay attention to the maintenance of personal credit and develop a good habit of repaying the loan on time and in full.

Extended Resources:

Personal Credit Report:

It is an objective record of personal credit information. The entire credit payment history of an individual is recorded. Includes:

Performance records formed by credit relationships with financial institutions;

Performance records formed by lending relationships with other institutions or individuals;

Performance records formed by credit purchase relationships with commercial institutions and public utilities;

Performance records formed by economic relations with housing provident fund, social insurance and other institutions;

Records of non-payment of taxes and fees payable in accordance with the law; various commendation records;

and other records of criminal penalties, administrative penalties, administrative sanctions, or civil compensation that may affect an individual's credit status;

The personal credit report is an important reference for the credit grantor to quickly and objectively decide whether to provide credit to the fiduciary.

Bank Loan Conditions:

Personal Line of Credit Conditions:

1. The borrower is at least 18 years old and has full capacity for civil conduct;

2. The borrower has a permanent residence or valid residence status in China; Provide a valid proof of personal identity;

3. The borrower has a good credit record;

4. Have the ability to repay loans, provide proof of stable income, banking process, and labor contract;

5. The purpose of the loan certificate: the purchase contract, the car purchase contract, the enrollment certificate, the investment plan and other documents;

6. Proof of stable address: housing lease contract, water and electricity payment bill, property management fee, etc.;

7. Provide valid certificates recognized by the lending institution, and provide true and effective relevant information for the bank;

8. Other conditions stipulated by bank lending institutions.

You haven't used a credit card, have you? Apply for one to use, but remember that the repayment date is not overdue.