What are the new changes in the new version of personal credit? New version of personal credit infor

What are the new changes in the new version of personal credit report? Compared with the old version, what are the changes? Those uncivilized violations will be included in the credit? In modern society, it is very important to be an honest and trustworthy person.

the credit reference center of the people's Bank of China has trial run the new version of personal credit report, which will be officially launched in the near future. It is understood that the new version of personal credit report collection information will be more detailed, more comprehensive and more accurate. At that time, dishonest behaviors such as "robbing the east to pay the west", keeping the card with the card, and closing the account after serious breach of contract will have more serious consequences.

Warm reminder: the new version of credit reference is an upgrade, which is more detailed and accurate than the old one. It is not a new start. The main changes are as follows:

1. More detailed: small partners who have checked the credit information should know that before the old version, only personal information can be viewed, while the new version will add spouse information, as well as occupation information, including family status, will be listed, which will have a greater impact.

2. More comprehensive: the repayment time record is increased to 5 years, and the repayment time, repayment information and overdue information are also recorded in detail; In addition, the amount of repayment, overdue or overdrawn amount will be listed one by one in the new credit report. At the same time, water charges, electricity charges (query business outlets), telecommunications business, tax payable, civil judgments, administrative penalties, etc. will also be listed in the new credit report.

3. More accurate: after the detailed credit report, financial institutions can manage more targeted and more accurate risks.

The biggest impact of this new version of credit investigation is to eliminate the phenomenon of divorce and house purchase. In the past, when husband and wife bought a house together and selected the main lender, the sub-prime lender's credit investigation will not change. In the new version of credit investigation, both the main lender and the sub-prime lender will be displayed, so the bank can clearly check the specific information when auditing.

Therefore, after the new version of credit reporting comes out, the Black family or the Black family, Lao Lai or Lao Lai, the money that should be paid back must not be less, otherwise it will never be able to get out of the blacklist.