The collection information of the new version of the personal credit report of the central bank will be more detailed, more comprehensive and more accurate. People should pay more attention to maintaining personal credit status in daily life, because when applying for loans, whether it is mortgage, car loan or consumer loan, most financial institutions will first check the personal credit report. Once the negative record is left on the credit report, it may affect the credit approval.
It is understood that the People's Bank of China Credit Information Center has tried to run a new version of the personal credit report, which may be officially launched in the near future. By then, the restrictions on the above-mentioned untrustworthy behavior will be stricter.
The first is more detailed. In the new version of the personal credit report, personal information will be more detailed. In addition to the old personal basic information, the new version of personal information will be more complete, you can also view spouse information. At the same time, professional information is more complete, and the amount of information is comparable to a personal resume. More detailed information will make the personal credit situation more clear.
Second is more comprehensive. The new version of the personal credit report has a richer and more comprehensive dimension. For example, the repayment record will be extended to 5 years, and detailed repayment information and overdue information will be recorded; the new repayment amount will be marked, and the overdue or overdraft amount will be marked. In addition to financial information such as loans, the new version of the letter will include a wider range of information, such as telecommunications services, water business payment, tax owed, civil rulings, enforcement, administrative penalties, subsistence allowances, practicing qualifications and administrative incentives.
In this way, the credit report can better reflect the individual's credit situation and enhance the credibility and practical application of the personal credit report. This is the biggest difference between the new personal credit report and the old report.
The last is more precise. The new version of personal information is more detailed and comprehensive, so that the personal credit status can be more truly reflected, the credit management of financial institutions will become more targeted, risk management is more precise, and credit risk can be effectively reduced.
It can be said that the information in the new version of the personal credit report covers all aspects of people's lives. Loss of trust anywhere can be recorded in the new version of the personal credit report. When an individual applies for a loan, whether it is a mortgage, a car loan or a consumer loan, most financial institutions will go to the personal credit report first. Therefore, once a negative record is left on the credit report, it may affect the approval of credit.
There are also market participants who have found that "buying a house in the morning after a divorce will become a thing of the past." In the old version of the credit report, assuming that the husband and wife jointly repay the loan, the man is the main loan, then the woman’s credit report does not reflect the debt; in the new credit report, as the co-borrower, both parties’ credit report will reflect the debt. .
"Now, many cities have implemented the policy of 'recruiting and repaying loans' when the second suite is confirmed. If the debt records of both husband and wife are in the credit report, then the husband and wife have already purchased the house, and after the divorce, the non-primary lender If you buy a house again, you will still be recognized as having a mortgage, and you will not be able to enjoy the low down payment and low interest rate preferential policies for the first suite," said one market source.
"If I record the payment of water bills, etc., I feel very good. The data and collection dimensions covered by the credit report are more and wider, which helps to more comprehensively judge and evaluate a person's integrity and credit. Situation.” Dong Xiwei, deputy dean of the Chongyang Finance Research Institute of Renmin University of China, said in an interview with the Economic Daily that the big data of credit information must be sufficient and large enough to portray the integrity of a person and even a society. Level.
From the individual's point of view, we should strengthen the awareness of risk prevention, and do not easily disclose personal information. For example, when filling in the network registration and real-name verification, carefully fill in personal information, personal identification information such as ID number, account number, mobile phone number, etc. should not be leaked at will; The awareness of promotion, in the use of financial instruments, daily life, pay attention to the maintenance of credit, do not produce credit taint; should regularly check the personal credit report, once you find the bad credit problem caused by abnormal reasons, it should be reported and properly handled, so as to avoid Bad credit affects life in the future.