After the change of personal credit information in 2019, it will have a great impact on everyone. Therefore, we suggest that everyone pay attention to it in time to avoid trouble due to unclear information. There are still many people who don't know the differences between the old and new versions. Today, let's compare the differences between the new version and the old one.
What's the difference between the new version and the old one
Difference 1: [to eliminate the situation of changing the qualification of the first suite for fake divorce]
Once upon a time, how many people fake divorce in order to buy a house, and finally the fake becomes true, which rises to a lawsuit, causing a heated discussion in the society. After the new version of credit online, the biggest change is that both husband and wife will reflect the mortgage information.
The old version of credit information: if husband and wife repay together, one of them will be the main lender, while the other party's credit report will not show the information of the mortgage.
New credit information: the main lender's spouse will also record the loan situation, even if the divorce, non main lender will also have a mortgage record.
Difference 2: [credit information update faster!]
The old version of credit: generally need half a month to 20 days to update;
New version of credit reference: all institutions are required to submit data to the credit reference center at t + 1 at the time of collection, and the latest data can be displayed in 2 working days.
Difference 3: [more detailed credit information]
The old version of credit investigation: some credit products cannot be identified, and the specific amount of installment loan cannot be withdrawn;
New version of credit information: large amount of special installment information clearly indicates the installment time and installment amount, which is more detailed.
Difference 4: [more complete personal information]
The old version of credit: only records the basic personal information records, not comprehensive and detailed;
The new version of credit reporting: complete display of academic qualifications, employment, e-mail, communication address, registered residence address, mobile phone numbers. Spouse information will also be fully reflected, such as: name, certificate type, certificate number, work unit and contact number.
Features: the new version of the report shows the latest 5 mobile phone number updates, so don't change your mobile phone number frequently in the future.
The difference between the new version and the old one
Difference 5: [record time extension]
The old version of credit information: it mainly records the repayment situation in the past two years, and only bad information such as overdue and bad debts will be retained for five years from the date of repayment;
The new version of credit reference: the repayment record will be extended to 5 years, and the display of "the repayment record of the credit card that has been cancelled in recent 5 years" will be added;
In the past, some users would choose to cancel their accounts to wash the white letter after the serious overdue, but this method will not work in the future.
Difference 6: [monthly repayment amount]
The old version of credit information: it only shows whether the customer's monthly repayment is normal or not;
New version of credit information: new repayment amount information, overdue or overdraft amount will also be marked out;
Difference 7: [water phone fee payment]
The old version of credit information: mainly records the information provided by financial institutions such as housing loans and bank cards;
New credit: more information from other public institutions will be included. For example, the payment of telecommunications business, water business, tax arrears, civil adjudication, enforcement, administrative punishment, minimum living security assistance, practice qualification and administrative reward, etc.
Difference 8: [more complete guarantee information]
The old version of credit information: the column of guarantee is simply shown, without details;
New version of credit reference: it comprehensively reflects the overall and detailed situation of the credit card and loan business of the credit informant and the loan guarantee for others. The classification is more clear and reasonable, making the business richer.
Difference 9: [reported by loan or card]
Old version of credit reference: no such function
New version of credit: you can take the initiative to apply for adding 'anti fraud warning' to the credit report, and leave a contact number.