In modern society, many people have car loans, mortgages, and even credit loans. However, in the near future, the second-generation credit reporting system will complete the switching of the second-generation credit reporting system within one month, and provide second-generation format credit report inquiry services for the public and financial institutions. Do you know what that means? Have you ever wondered how this has affected you?
If your debt is relatively high, then you will be extremely dangerous, it is recommended to read this short article.
Where is the lethality of the second-generation credit report? What is the difference between it and the past? Friends, please listen well, these 6 major changes have been sorted out for you in the most concise language!
1. If the first generation of credit information is a joint loan of both husband and wife, only the personal credit of the main generation will be affected; but the second generation of credit, both people will be affected.
2. The overdue information of the first generation credit report is only retained for 2 years; but the upgraded second generation is all retained for 5 years.
3. The second generation is more clear than the first generation.
4. The second generation of credit information has achieved t+1 update.
5. The second generation of credit information is rich, in addition to the first generation of credit information including loans, credit card information, but also including tax arrears, water and electricity, explicit, administrative, and low insurance and other information, and even change the mobile phone number will be used into the credit system.
6. In the second-generation credit report, the guarantee for the person is also considered a personal liability. It is recommended not to casually guarantee for others, and the second generation information will enter the guarantee information into personal credit.
Dry goods are full, it is recommended that the above 6 points of advice be patient and repeated to watch Oh!