The strictest credit is online! What is the difference between it and the previous credit report?

The biggest difference is that it is stricter than before, and the debts of both husband and wife, the content of credit information, etc. are more detailed than before; Faster in terms of update frequency; Bad credit records are around longer。It can be seen that credit investigation is becoming more and more important in the future.

01. The new version of credit information reflects the debts of the husband and wife

The previous credit investigation mainly reflected the liabilities of the main lender, and would not reflect the liabilities of the non-main lenders. In the latest version of the credit system, the debts of the husband and wife will be reflected, even after the divorce of the two people, the non-main debtor is not able to buy a house according to the down payment standard of the first house.

This blocked the previous routine of buying a house with a fake divorce, after all, there were too many couples who had fake divorces in order to buy a second house and pay less for the down payment on the house.

02. The frequency of new credit updates is faster than before

The old version of the credit information system is updated every month, and if the lender takes out the loan before the credit information is updated, there is no problem at all. But the time of the new version is T+1, which means that if you have a bad record today, you will have it on the credit report tomorrow.

After the update, you can basically eliminate the slow use of credit updates, and it is impossible to cover up your bad credit records.

03. The content of the new credit report is more detailed

In the old version of credit in the past, it was mainly reflected in the credit card, and there was no credit card installment. However, in the new version of the credit report, this part is not only reflected, but also the time and content aspects are added, so it is more detailed than the previous credit information system.

04. Bad credit is retained for a longer time

In the latest credit system, bad records are kept for 5 years, which means that there is no way to eliminate them in the middle.

SoThe new version of credit may make each of us cherish our credit records moreAfter all, the new version of the credit information system is too strict.

Nationality information has been added to the basic information of individuals, joint borrowing has been added to credit information, individuals are legal person single insurance, legal persons are personal guarantees, and whether people who buy houses for the first time after divorce can borrow money.

As far as I know, the strictest credit is online! The differences between it and the previous credit report are: 1. You can't buy a house with a low down payment after divorce, 2. The information is updated more timely, 3. The loan amount is occupied by a large credit card installment, 4. The credit information content is more detailed, 5. The personal information record is more comprehensive and perfect, 6. The bad information is retained for 5 years from the date of termination, 7. More life service items are included in the credit report.

The new credit report will increase the details of the joint debts of the husband and wife, and the debts of one party will affect the loan situation of the other person.

1. The down payment for buying a house in divorce may be increased; 2. The information is updated in a timely manner; 3. The content of credit investigation is more refined; 4. Personal information records are more complete and comprehensive; 5. Keep bad records for a longer period of time during the validity period of credit reporting; 6. Telecommunications and water supply services are included in credit reporting.

The basic meaning of the term credit investigation is to solicit credit from others or oneself or to verify credit. Credit investigation is also known as credit investigation or credit investigation, there is a broad sense and a narrow sense, the narrow sense of credit refers to the investigation or verification of the credit of others, and the broad sense of credit also includes the meaning of seeking the credit of others to themselves, such as rolling to win the trust of the public, improve their own moral evaluation, etc., the credit information to be studied here is from the narrow sense, that is, the credit reporting agencies collect, use, provide, maintain and manage the credit information of the main body of market transactions. What are its basic characteristics?

First, the purpose of credit reporting is to investigate and evaluate the credit of others; Second, the object of credit investigation is enterprises or individuals participating in market transactions; Third, the method of credit reporting is to collect, use, provide, maintain and manage the credit information of market trading entities, and generally make credit reports and provide them to credit suppliers or other trading entities.

The emergence of credit reporting activities is due to the generation, development and development of credit transactions. The modern economy is a credit economy, and credit, as a specific economic transaction behavior, is not the patent of any specific social form, but an economic category subordinate to the relationship between commodities and money, and is the product of the development of commodity money to a certain stage. Its essence is a creditor-debtor relationship, with the ability to repay, and agrees to the promise of future repayment made by the fiduciary.

The key factors in the meaning of credit are time and trust. When the commodity economy is not developed, the scope of credit transactions is small, and it is easier for creditors to know the future repayment ability of the other party. However, when the commodity economy is highly developed and the scope of credit transactions is becoming more and more extensive, especially when the credit transactions spread to the whole country and the world, it will be extremely difficult for one party to understand the credit status of the other party, but the credit transaction as a product of the development of the economy to a certain stage of the wisdom will not retreat and disappear because it is difficult to understand the credit of the other party.

It can be seen that the generation and development of credit reporting is actually with the emergence and development of the commodity economy, and the more developed the economy, the greater the demand for credit reporting activities.

A credit report is a credit report. It is an <>activity that collects, sorts, preserves, and processes the credit information of natural persons, legal persons, and other organizations in accordance with the law, and provides services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks, and conduct credit management

What is a credit report.

A credit report is a credit report. It is the collection, sorting, preservation, and processing of the credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing services such as credit reports, credit assessment and clearing, and credit information consultation, to help customers judge and control credit risks, and to answer the activities <>of credit management

The personal credit report is the personal credit history that the credit bureau collects in accordance with the law, sorts out the information collected in accordance with the law, and finally provides it to the information inquirer in accordance with the law. As of 2015, the database included a total of 100 million natural people, of which 100 million people have credit records, in May 2019, the new version of personal credit was officially launched, and the duration of credit information and the degree of fine burial will be further improved.

Summary. Hello, dear, I'm honored to answer for you! <>

The process of collecting, sorting, analyzing, and evaluating credit information, as well as recording and reporting the credit status of individuals or businesses, is the pro of credit reporting. Credit bureaus assess the credit status of individuals or businesses by collecting their credit information, such as loan records, credit card usage, repayment records, etc., and reflect the assessment results in credit reports. Credit reports are an important reference for financial institutions, enterprises and individuals when conducting credit transactions.

What is a credit report.

Hello, dear, I'm honored to answer for you! <>

The process of collecting, sorting, analyzing, and evaluating credit information, as well as recording and reporting the credit status of individuals or businesses, is the pro of credit reporting. Credit bureaus collect credit information from individuals or businesses, such as loan records, credit card usage, repayment records, etc., to assess their credit status and reflect the assessment results in credit reports. Credit reports are an important reference for financial institutions, enterprises and individuals when conducting credit transactions.

Return to annihilation. Expansion: The word credit is derived from "The Words of a Gentleman, Faith and Signage, so the grievance is far away from his body" in "Zuo Chuan: The Eighth Year of Zhaogong". Among them, "trust and have a levy" means that it can be verified that its words are trustworthy, or solicit and verify credit.

Credit reporting is the activity of collecting, sorting, and preserving the credit information of natural persons, legal persons, and other organizations in accordance with the law, and providing services such as credit reports, credit assessments, and credit information consultations, to help customers judge and control credit risks, and to carry out credit management. Credit reporting is an activity in which a professional and independent third-party institution establishes a credit file for an individual or enterprise, collects and objectively records its credit information in accordance with the law, and provides credit information services to the outside world in accordance with the law.