有關環聯信貸資料庫記錄

1. After discharge

2. TransUnion is a form of restrictive public record. With your consent (like your signature to a credit application), an institution can gather your financial information available at the database. You can also review the record.

Bank records are internal records. Only bank personnel are allowed to assess the record. Bank records can also contains non-financial information such as customers' rating (banks uses system to keep track of trouble-making customers).

3. No - unless that 8 years have not passed.

4. For the banks that subject to the bankruptcy, yes. Others, no.

Gary 網友的意見正確！

但在下想補充一下，如果你希望向其他無欠債的銀行申請信用卡或貸款，都會有機會被拒絕！

因由於向破產管理署查冊手續方便及收費低廉（可以完全在網上處理及付款$85元），故不少銀行都會連破產管理署都查過而非祇關注環聯方面！