Any individual is prohibited to undertake individual credit information collecting and credit rank evaluating.

个人不得从事个人信用征信及评级业务。

youdao

Individual credit information "means the personal commercial credit record and other information that may have effects on judging one's credit status."

个人信用信息，是指个人的商业信用记录及对判断个人信用状况可能有影响的其他信息。

youdao

Analysis of the meaning of individual credit information system, composition, role in the economy, as well as the various parts of the mutual relations.

分析个人征信体系的含义、构成，在经济中的作用以及各部分的相互关系。

youdao

This exposure is a significant penalty for filing, especially as it gives the credit market useful information about the riskiness of lending to the individual.

ECONOMIST: America goes bust

From there, in fact, maybe even a greater piece of information is the credit report, because the credit report, obviously, not only gives a Social Security number and personal information about the individual, but it also goes on to indicate where the person has their holdings, whether they have home equity loans, and effectively, they can obtain driver's licenses from that and then they can get open bank accounts.

NPR: Understanding Identity Theft