信用日：厘清征信三大盲区

Core Viewpoint - There is a significant misunderstanding among consumers regarding credit reporting and its implications, particularly concerning the use of small credit tools like Huabei and credit cards. Many believe that having no credit activity equates to good credit, while in reality, responsible use of these tools can help build a positive credit history [1][3][4]. Group 1: Understanding Credit Reporting - Credit reporting is a systematic activity that collects, organizes, and provides credit information about individuals and organizations, serving as an "economic ID" that reflects trustworthiness [6][10]. - The misconception that a blank credit report indicates good credit is prevalent among consumers, leading to avoidance of credit tools that could enhance their credit profiles [3][4]. Group 2: Impact of Credit Tools on Credit Scores - Using small credit tools like Huabei and credit cards responsibly, such as making timely repayments, does not negatively impact credit scores and can actually improve them [3][7]. - Financial institutions primarily focus on repayment behavior rather than the mere existence of credit tools when assessing loan applications [7][8]. Group 3: Misconceptions and Risks - Many consumers mistakenly believe that minor delays in credit card or loan repayments will not affect their credit scores, but even short-term delinquencies can be reported and impact future credit applications [8][9]. - There is a growing concern about fraudulent services claiming to "repair" or "clean" credit reports, which are often scams. The People's Bank of China emphasizes that legitimate credit records cannot be altered or deleted by any individual or organization [10][11].