What is a credit report and what does it include?

Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.

According to the business model, it can be divided into two categories: corporate credit reporting and personal credit reporting.

Enterprise credit investigation is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation. In the United States, credit reporting agencies have three main business models:

(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects.

(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are aimed at all kinds of large, medium and small enterprises.

(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.