Yes, there are records of loans, credit cards and guarantees. However, all credit records are fulfilled on time and in quantity, and there are no overdue and compensatory records, and there are no frequent inquiry records. The proportion of credit card usage to credit line is low (for example, the average six-month usage does not exceed 60% of credit line). The record of using the minimum repayment amount of a credit card is also a report with a good credit history.

Other credit reports

1. Pure white family.

Refers to the credit report without any credit record, and has never handled loans, credit cards, guarantees, special merchant identification, etc. And I have never inquired about the credit report. Only print out the name and ID number. Pure white household is not a credit report that banks like, and the credit rating or scorecard score is very low, because the report users can't get any valuable information from the pure white household report.

2. Ordinary white households.

There is no credit record, but there is an inquiry record. The subject's credit report belongs to ordinary white households, and such credit banks don't like it, which is of little value to the report users. It is suggested that the subject use some credit products appropriately, such as credit cards. However, it is not recommended to apply for loans or too many credit cards when it is not necessary, provide guarantees for others at will, and check the credit report frequently.

3. General credit report with default record.

There have been records of overdue and other defaults in history, but the number of defaults has decreased, the time of default has been shorter and the amount of default has been smaller. When banks examine and analyze such reports, they have some negative comments on the report objects, but they are acceptable.

The question is, what is a short default time and a small default amount? Just as a chef makes a menu with a little salt, a little monosodium glutamate and a proper amount of sugar, this is really a deceptive method. The same is true of credit review. In addition to some precise rules for system approval, everyone has their own rules for manual approval, and makes their own judgments according to their own risk preferences and industry experience. However, no matter how freely he plays, there is a universal law, that is, mastering risks is basically controllable.