Credit investigation is a professional and independent third-party organization, which establishes credit files for individuals or enterprises. Credit investigation is an activity of collecting and objectively recording its credit information according to law and providing credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information. Personal credit report is a report that records everyone's daily use of credit cards and loans to reflect personal credit status.
Personal credit investigation refers to the activities that a legally established personal credit investigation agency collects and processes personal credit information and provides personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report plays an important role in housing loan, credit card, private lending, recruitment, renting and many other fields. Personal credit report is a paper report that directly reflects personal credit. First of all, if you want to buy a house, a car or a credit card, you need to check your personal credit report. Personal credit has a bad record, and banks or other lending institutions will not lend; Secondly, people with good credit are not only more likely to apply for loans, but also have higher loan quotas; Finally, people with bad personal credit records may also affect their job hunting in the future through personal credit records, because you have bad personal credit, that is, people without credit. Personal credit is very important in this society. Employers usually consider people with bad credit records when recruiting. If there are bad records on personal credit records, especially those on the "blacklist" of banks, it will be more difficult to get loans.