Nowadays, credit investigation is very important for everyone, because credit investigation is needed for both loans and cards. In case of bad credit investigation, it will affect all aspects of daily life. According to the news, the new version of credit investigation will go online in May, so what are the changes in the new version of credit investigation? Let's have a look.
What are the changes in the new version of credit reference
Personal credit investigation refers to the activities of collecting and processing personal credit information, and providing personal credit information inquiry and evaluation services according to the requirements of users. Nowadays, credit information is like a business card. If people with poor credit information can't travel by plane, and there are still many banking businesses that can't be handled, the new version of credit information will be launched in one month. The following small series to introduce the changes of the new version of credit.
1. The old version of credit: husband and wife repayment, the man's main loan, the woman's credit does not reflect the debt.
New version of credit reference: as a co borrower, both parties' credit references reflect liabilities.
Impact: in the future, after the divorce, the non main lender will buy the house again, which belongs to the house with loan, with 80% down payment. After the divorce, the non main lender can not buy the house with low down payment.
2. The old version of credit: credit update time as long as a month or more.
New version of credit reference: all institutions are required to submit data to the credit reference center at t + 1. Impact: want to use the bank credit update slow time difference, to apply for loans more and more impractical.
What are the changes in the new version of credit reference
3. The old version of credit: Parking loans, decoration loans and so on are in essence large credit card installment, credit only reflects the credit card, does not reflect the installment amount.
New version of credit: new version of credit, reflecting the installment time and installment amount, more detailed. Impact: in the past, it only reflected the name, not the debt. In the future, it reflected the debt. For the application of housing loan, it needs more water to offset the debt.
4. The old version of credit: less personal information records and poor integrity. The new version of credit reporting: complete display of academic qualifications, employment, e-mail, communication address, household address, and all personal mobile phone numbers. Spouse information is relatively complete, such as name, certificate type, certificate number, work unit and contact number. In recent years, detailed residential information of individuals has been recorded. Impact: a net of personal information, like a resume.
5. The old version of credit: the credit report mainly reflects the credit records in the past two years. New version of credit information: bad information (such as overdue, bad debts, etc.) shall be retained for 5 years from the date of suspension. The new version of the credit report extends the repayment record to five years, recording detailed repayment information (even if the account is closed, there are detailed repayment records) and overdue information. Impact: longer time, bad credit records within the validity period of longer, for the application of housing loans.
6. Old version of credit: credit records a small amount of information, housing loans, bank cards, etc. New version of credit reference: in addition to the loan information, more information is included in the credit reference, such as the payment of telecom business and water business. It also records the information of tax arrears, civil judgments, enforcement, administrative penalties, minimum living allowance assistance, practice qualification and administrative awards. Impact: credit records are diversified, and more personal work and life records are adopted.