What including in Your credit record

In some countries, the main credit reference agency to collect the so-called "negative data", that is, the consumer credit does not fulfill the responsibility of the debt records. In other countries, is also a credit reference agency to collect "positive information", including the Consumer Credit's credit standing, such as credit limit, as well as the balance of the loan repayment records.
As the availability of more comprehensive information, including the borrower's credit history and borrowing all the positive and negative information, financial institutions can more accurately assess the borrower's personal credibility and even their credit quality charges. When financial institutions can charge to reflect the different credit risks, most of the good credit borrowers can get better loan conditions and banking services.
A typical credit records in their personal capacity, including basic information such as name, address and identity card numbers and other information can include phone number, previous address and credit information. Credit records also include personal information in the past and present credit, the credit agencies, the repayment habits, did not have to carry out its responsibilities as well as the outstanding debt enjoyed by the line of credit.