White households refer to those who have dealt with banks, have a record of applying for loans or credit cards at banks, and finally failed to apply for a card, and have applied for it for more than half a year.
In the old days, white households referred to ordinary families, but when used in the credit industry, they mostly referred to people who had never applied for credit cards or loans. There is no credit record in the personal credit report, which is blank. For example, many students under the age of 18 have no job, no income, no social security or provident fund, and no financial business, which is a common white household.
Is white households good or bad?
Compared with black households, white households are naturally better. Black-door credit investigation is also a popular saying in the credit investigation industry, which refers to people who are seriously overdue, such as many overdue times, long overdue time, overdue at present, or other bad credit records, such as tax arrears, civil judgments, enforcement, etc.
Compared with people with good credit status, white families are slightly worse. Good credit status means that people who have applied for and used credit cards or loans have never been overdue, and they have always repaid in full and on time, and there are no bad information such as bad debts, freezing and stopping payment, guarantor compensation, paying debts in kind, tax arrears, execution, etc., which are all good credit accumulation.