Be careful of "credit reporting white" scams to spend tens of thousands of yuan for hidden risks

At present, there are some institutions and individuals who solicit business in the name of "credit recruitment" and "credit reporting". They promoted the bad information in the credit reports, and even a martyrial training class was opened. "Teaching" is stunning. For example, the author noticed that "advertising" in a WeChat group announced that it would be possible to get a "brand lesson" of "how to repair credit" by spending 19,800 yuan. After the students "class", they can not only "whitewash" their credit reporting records, but also make money by "credit recruitment" technology in the future.

It is worthwhile that the so -called "credit recovery" and "credit for credit" are not only scams, but also hidden other risks. Those so -called "credit recovery courses" are actually conducting malicious complaints through private seals and fake false materials to achieve the purpose of repairing credit reporting. In fact, they may cause new damage to personal credit reporting. In addition, once the information subject is required to provide sensitive information such as ID, contact information, bank card number, etc. In the process, personal information has risks of malicious use, leakage, and even trading, which may endanger the personal and property security of the information subject. If personal information is resold to criminals to engage in illegal acts such as telecommunications fraud, money laundering, and named online loans, it will also bring more unpredictable risks to individuals.

The orderly development of the credit industry is of great significance to build a integrity market system. Black -to -gray industries such as "Credit Credit Repair" have forged false materials and maliciously complained to platforms such as financial institutions, regulatory authorities, etc., which not only occupies regulatory resources, but also disrupts the normal business of financial institutions. Relevant departments should strengthen collaboration, strictly control and clean up various types of "credit repairing" false advertisements on the Internet, and increase their strikes on illegal and illegal acts.

For financial consumers, we must clearly realize that the "credit reimbursement" of any commercial charging model is a scam. It is the right way to properly resolve credit reporting through regular channels to reflect the request of credit reporting.

According to the "Regulations on the Management of the Credit Industry", the information main body believes that there are errors and omissions for the information collected, preserved, and provided by credit reporting agencies, and have the right to obtain objections to the credit reporting agency or information provider and require correction. If the information of the information believes that its legitimate rights and interests have been infringed, they can send an institution to the supervision and management department of the Credit Industry of the State Council. The institutions that accept the complaint shall be verified and handled in time. The credit inspection and management department of the State Council and its dispatch agencies, credit reporting agencies or information providers accept complaints and objections. In addition, the reserved time for personal bad credit records is 5 years. Article 16 of the "Regulations on the Management of the Credit Industry" clearly stipulates that the period of preservation of personal bad information from the credit reporting agency is 5 years from the date of the termination of bad behaviors or incidents; if it exceeds 5 years, it shall be deleted.

In the future, personal credit reporting will penetrate more aspects of life. The majority of consumers should take care of their personal credit records like their eyes, such as developing good financial consumption habits, quantifying, rational borrowing, and fully repayment. Once an overdue record occurs, it should be repaid as soon as possible. Actively take measures to avoid re -occurrence, and no opportunities for criminals will be left. (Peng Jiang)

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