What is the personal credit information for?

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Extended data:

With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services.

Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields.

Baidu Encyclopedia-Personal Credit Survey