Credit File-World Credit Organization

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ICE8000 credit knowledge column
  • 1. "Introduction to ICE8000 Credit Knowledge"
  • 2. "Building an Integrity Unit——ICE8000 Integrity Management"
  • 3. "ICE8000 Credit Investigation, Analysis, Rating"

    • 5.1 Credit file

    5.1.1 Introduction to Credit File

    Credit file is a traditional credit service, and the World Credit Organization [WCO] has improved the credit file service. Applicable standards for credit file services: "ICE8000 Unit Credit File Management Standards" (https://www.ice8000.org/acnhwgc/123.htm), "ICE8000 Personal Credit File Management Standards" (https://www.ice8000.org /acnhwgc/5.htm), "ICE8000 Regional Credit File Management Standards" (https://www.ice8000.org/acnhwgc/130.htm), people can build a credit file for themselves free of charge according to these standards. After the credit file is established, people can store their own credit records according to the ICE8000 standard for others to check. Others can look up the credit file on the World Credit Organization [WCO] website.

    The service content of the credit file is mainly: the credit institution collects, organizes and stores the credit information of the organization, and establishes a credit file for the organization for people to inquire. The result of the inquiry is often called a credit report.

    The value of credit file service lies in two aspects:

    On the one hand, it provides credit information for commercial organizations to carry out credit sales activities or financial institutions to carry out loan activities, and also helps employers understand the credit status of applicants, or meets the needs of state agencies and other organizations to inquire about organizational credit information;

    On the other hand, it helps the recorded person of the file to save and manage credit information, so that potential customers can obtain it in time, and thus obtain the choice of potential customers. For example, more and more organizations actively provide their credit information and financial data to the World Credit Organization [WCO] or Dun & Bradstreet and other credit institutions that provide credit file services, so as to facilitate their potential customers to inquire about their credit records. Organizations with risk prevention awareness or certain risk management capabilities are always vigilant and uneasy about organizations with bad credit records and those without credit records.

    Currently, the World Credit Organization [WCO] has established free credit files for 80% of Chinese enterprises. Some enterprises with good faith were very happy after finding their ICE8000 credit files online. There are also some enterprises, worried that their bad credit records will be collected, and are very dissatisfied with ICE8000 credit files.

    5.1.2 Benefits of building a credit file

    1. You can accumulate your own credit records and integrity to improve your credibility.

    With the improvement of people's ability to prevent risks, more and more people will look into credit files as a prerequisite for cooperation, because people will gradually realize that: a unit or individual has no credit record or has a negative credit record. vigilant. A person or unit has no credit history, which means that its business activities are not active or transparent, or it deliberately conceals its own credit status. Therefore, having a credit file can improve your credibility to a certain extent.

    Second, it is convenient to know the complaints, suggestions and praises of customers, and find opportunities in these opinions.

    3. You can add, delete or raise objections to information in accordance with the ICE8000 standard to abide by the principles of good faith, moral bottom line, and social responsibility bottom line.

    The above content is excerpted from "Introduction to ICE8000 Credit Knowledge" (written by Fang Bangjian, free to use, but please indicate the source)