What happened to my credit record?

The loan must be returned on schedule

Otherwise, we must bear the corresponding responsibilities and consequences

This is no doubt consensus

But some people do not recognize this principle

Don't say no repayment on schedule

Instead, the bank was brought to the court

This wave

What the hell is going on?

In 2014, Jiang applied for a loan from a bank and signed at the "Retail Loan Application Form". Other credit reporting agencies established in accordance with the law provide information from applicants. After the bank issued a loan, Jiang had three times of repayment of repayment three times. The bank sent SMS to the mobile phone used by Jiang to send a text message to the repayment account for insufficient repayment accounts, and the repayment of not being repaid in time will be sent to the mobile phone used by Jiang. Report to the credit center database and other content.

A few years later, Jiang asked his "Personal Credit Report", and the report showed that he had repaid overdue repayment. Jiang believes that a bank reports its overdue records that it cannot continue to make normal loans from the banking department, restricting the legitimate rights and interests of the normal production and operation financing channels that it should enjoy, and to sue to the People's Court of Daoli District, Harbin City, and ask for a sentence The bank eliminates the bad credit records, apologized to it and compensate for the mental loss of 10,000 yuan.

The court heard that Jiang's three overdue repayment had constituted a breach of contract. As a financial institution engaged in credit business, a bank reported to the credit reporting center database to Jiang's bad information department. It did not violate the provisions of laws and regulations, and there were no subjective faults and infringements. Therefore, the verdict rejected all Jiang's claims. Jiang was not convinced and appealed. The Harbin Intermediate People's Court rejected the appeal in the second instance and maintained the original sentence.

Xiaobian remind everyone

Honest and trustworthy, repay the loan on schedule

Strictly obey the contract and perform as scheduled

It is the obligation of every lender

Also cherish the best credit record

Original contribution: Daoli District Court of Harbin City

Edit: Wang Peng, Liu Shuping

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