The modern concept of letters-of-assist reporting is essential when we apply for loans, credit cards, house purchases, etc., requiring financial credit background checks. In the letter-writing report, many people wondered where the spousal information came from. We'll figure this out from several angles。

Where's the spousal information coming from

I. PERSONAL Credibility INFORMATION AND COMMUNICATION REPORT

The letter-in-writing reports are based on individual credit information, which is collected through various channels. In recent years, the country ' s credit system has continued to improve, and many departments and agencies are working to collect and manage personal credit information. For example, individual information can be collected by credit agencies, tax authorities, public security organs, banking institutions, social security agencies, etc. At the same time, a number of Internet technology companies have invested considerable effort in the collection, integration and validation of personal information. Such information is often interoperability and duplication and requires screening, processing and integration through technical means。

Information sources for spouses

In the correspondence report, information on spouses generally includes the following: name, sex, age, identity card number, marital status, workplace, contact information, etc. So where did all this information come from

1. Access to the letter services

Trust agencies collect, process, rate, store and distribute personal credit information from a commercial perspective. A number of institutions have been able to obtain data from the State administration, local government, financial institutions, public services, etc., which also includes information on the individual spouse. At the same time, the letter seek information from a number of third-party agencies or from platforms where individuals share information. This information is often filtered and processed on a number of occasions to ensure that it is accurate before it appears in an individual ' s letter of call report。

2. Provision through spouses themselves

When submitting the application form required for the letter-in-writing report, there is usually an option to fill in spousal information on the document. If the applicant is familiar with the relevant information about the spouse, the application form can be completed directly. At this point, the information on the spouse in the letter of request is obtained from the applicant himself。

Concluding remarks

The letter-writing report is an important basis for financial institutions to review credit backgrounds such as loans, purchases, leases, etc. It contains many important information about us personally, including information about our spouses. Based on the available sources of information and channels, the letter service and the spouses themselves provide the most common source of information on spouses. Regardless of the source of the information, it is important to ensure the accuracy and completeness of the information when completing the letter-in-mail report so as not to affect their personal credit records because of discrepancies in the information。