The "Comprehensive Credit Report" includes
I. Individual basic information: Including ID card no. , Chinese name, English name, date of birth, address of registered residence, contact address, residence and mobile phones.
II. Credit information:
(1)【LOAN INFORMATION】Credit line and loan outstanding
balance with financial institutions, including credit line, loan
outstanding balance, loan category and late payment within
the last 12 months.
(2)【OVERDUE LOAN, DEBT COLLECTION, OR BAD DEBT
INFORMATION】Overdue loan and debt collection in the
past three years, and bad debt in the past five years.
(3)【DEBT TRANSFER INFORMATION】Debt transferred to
an asset management company or a third party in the last
(4)【LOAN GUARANTEE INFORMATION】Loan guarantee
information reported, including guarantor type, principal
debtor, financial institution, current outstanding and overdue
(5)【CO-DEBT, SECONDARY DEBT, OR OTHER DEBT
TRANSFER INFORMATION】Debt transferred by the
original creditor bank to an asset management company or
a third party in the last five years.
(6)【CREDIT CARD INFORMATION】Record of credit cards
for the past five years, including financial institution, card
type, credit limit, issue date, date of suspense, and card
(7)【CREDIT CARD PAYMENT INFORMATION】Credit card
payments for the last twelve months, including bill date,
financial institution, card type, credit limit, revolving credit
and cash advance.
III. Check credit：
(1)【DISHONORED CHECK INFORMATION】Dishonored
check records (of amounts over NT$500,000) on individual
or business account due to insufficient funds.
(2)【REFUSED ACCOUNT INFORMATION】Refused account
information on individual or business account due to
IV. Inquiry records：
(1)【RECORD OF INQUIRIES】Record of inquiries made by
financial institutions for the past three months. (Excluding
(2)【RECORD OF INQUIRIES BY THE SUBJECT OF THE
REPORT】Inquiry record made by the subject of the
report for the past three months. (Excluding this inquiry)
V. ADDITIONAL RECORD OF INQURIES： ANNOTATIONS FILED AS REQUESTED BY THE SUBJECT OF THE REPORT OR FINANCIAL INSTITUTIONS
The items you need to check list below when you get your credit report:
I. Are ID number and the name correct?
II. Is there any fraud reporting case?
III. Is there any bank record that doesn’t belong to you?
IV. Do you have any bad record?
V. What is your credit score?
VI. Is there any unauthorized inquiry by banks?
Why do you need to check your “Comprehensive Credit Report” ?
I. To make sure your credit information is correct.
II. To know your credit score.
III. To know which bank has made inquiries about your credit information.
IV. To find out identity theft or credit fraud. Checking your “Comprehensive Credit Report” regularly is very important. It can help you to ensure there are no errors reported and to prevent fraud.