Can bad credit reporting "fix" and "whitewash"?Don't spend money as "injustice"!

Yangcheng Evening News all -media reporter Dai Manman

Can you "repair" bad credit? Don't believe it! June 14 this year is the 15th "Caring Care Day" in the country. On this day when the knowledge of credit reporting is popularized for the public, reporters from Yangcheng Evening News interviewed industry inside. How to protect their credit consumers in financial consumers.

——Pamed "repair" credit? There are many fraud cases

Credit cards are recorded in personal credit reporting, and they may affect future borrowings. What should I do? Guo in Yongcheng, Henan chose "Credit Repair". Guo met Liu through WeChat. Liu learned that Guo wanted to borrow a loan and lied that he could help Guo to clear the credit card overdue credit card reporting, and let Guo transfer to him 16,000 yuan through WeChat.

The criminal judgment on this case announced on the Internet of China on the Internet shows that Liu Mou has the purpose of illegal possession, fictional facts, concealing the truth, and deceiving the property of others. After the incident, Liu returned 16,000 yuan to Guo. In the end, Liu was sentenced to eight months in prison for criminal fraud and one year in probation; and a fine of RMB 5,000.

Guo's credit reporting obviously failed to repair. There are not a few cases on the referee documents. A few days ago, the first case of fraud in Fuzhou, Jiangxi Fuzhou, was fell into the second instance of the second instance of the Intermediate People's Court of Fuzhou City with "Credit Repair". Wu Moumou was sentenced to ten years in prison and fined 100,000 yuan.

The court in the first instance believes that Wu Moumou used the method of fictional facts and concealing the truth for the purpose of illegal possession. The amount was particularly huge, and his behavior had constituted a crime of fraud. After the incident, Wu Moumou could truthfully confess his criminal facts and confess that he could punish it from lightly according to law. The above judgment was made in accordance with the law. After the verdict, Wu Moumou appealed to Fuzhou Intermediate People's Court. After the trial, the Fuzhou Intermediate People's Court ruled in accordance with the law to dismiss the appeal and maintain the original judgment.

Judging from the current public reports, all those who mentioned "credit for credit" are to help borrowers to eliminate bad credit records and repair personal credit as a guise. The People's Bank of China has clearly reminded that there is no such thing as "credit recovery" in the field of credit reporting. Do not believe in advertising or scams such as "shovel" and "whitewashing" for credit reporting to avoid being deceived, property loss, and personal information leakage.

——The "Credit Repair" "Credit Repair", "Credit Credit Wash" scam

As the importance of credit reporting in daily life is increasingly prominent, personal credit status has become the "economic ID card" of residents. There are many benefits of good credit records, and in economic life, bad credit can make people "difficult to do." Because of this, the false propaganda and fraud routines of the banner of "credit reporting" and "credit recovery" began to emerge, the purpose was to deceive personal information and funds.

How does ordinary people enter the "credit repair" and "credit reporting" scam? What are the common routines for scammers? The legal sources and credit reporters have started these routines.

Judging from the current disclosed cases, most of the routines are based on "credit recruitment, whitewashing, and shovel", and publish advertisements through Internet forums or WeChat channels, claiming that spending money can repair the People's Bank of China credit reporting Central credit report. But after charging high fees, most scammers lose contact directly. There are also some cases that some black -producing agencies instigattically instigating financial consumers to make unreasonable complaints with "non -malicious overdue", or use illegal means such as false materials to modify bad information, and refuse to refund or lose contact directly after modifying the failure.

"(Someone also) complaints for financial institutions and other means through forging materials to threaten financial institutions to modify credit reports and reduce related debts." Dong Ximiao, part -time researcher at Fudan University Financial Research Institute, introduced that no matter what form, the purpose is to go through illegal and illegal means In the name of helping the borrower's "reduction and exemption fees", "reorganization debt", "repairing credit", we can get unfair interests from it; if the goal is not achieved, the relevant information of the borrower may be transferred and sold.

In the network, even in the form of "opening class", "credit consultation and complaints, and even agents", "Credit Credit Repair" related courses are also scams. "In short, the words" credit fixation '"are basically fraudulent." Some people in the industry specially reminded that if your personal information and credit reports are provided to the black production agency, it will not only be deceived by money, but also It may also face the danger of being leaked by personal information, and even criminals will use illegal personal information to perform borrowing behavior again.

Relevant fraud also attracted the attention of relevant departments. On March 16 this year, the General Office of the National Development and Reform Commission issued the "Notice on the Special Governance of the Repairing Credit Repair" issues, focusing on the rectification of illegal crimes such as "credit recovery" and "credit reporting white" Behavior.

——The credit report can apply for a "credit objection" if there is a wrong leakage

During the interview, the relevant persons of the Guangzhou Branch of the People's Bank of China reiterated that the credit reporting system does not have the so -called "repair" at all. In fact, the illegal molecules use the information of the information of the information of the credit reporting policy and regulations. The means of illegal profits are achieved. In fact, credit reporting cannot be "fixed" but needs to be carried out.

How to maintain a good credit record? The relevant person in charge of the People's Bank of China gives the following suggestions: fill in the information truthfully, if there is any change, inform the bank to correct it as soon as possible; carefully select the repayment method, record the repayment date, and repay on time on time; ; Regularly check the credit report, and to correct the credit objection in a timely manner. People in the industry also suggested that financial consumers exit, but they are liabilities, observe the law, and consciously fulfill their legal obligations. What if you find that you already have bad credit information in actual life? Some people in the industry have also conducted tips.

The "Regulations on the Management of the Credit Industry" stipulates that the credit reporting agency's preservation period for personal bad credit reporting is five years from the date of the termination of bad behaviors or incidents; if it is more than five years, it should be deleted. During the storage period of non -performing information, the main information can explain the bad information, and credit reporting agencies should be recorded.

"If you find that overdue, you should make up the repayment as soon as possible to rebuild a good credit record; credit reports are only objective information records. It is not the only source for banks to obtain personal credit, nor is it the only basis for bank credit decision -making. Related commercial banks. "The People's Bank of China reminded that if the information in the credit report is considered errors or omissions, you can submit an application for credit objections to the credit reporting agency or the corresponding credit institution, and require corrections in accordance with the law. Application for objection to the credit reporting agency or information provider is the only way to handle credit report errors and omissions.

It is worth noting that the data modification or deletion of the credit reporting system needs to be initiated by the information provider that occurs in the business. After strict approval and operation process, the credit reporting system will automatically record the operation process throughout the process. Any institution or individual has no right to modify and delete the real credit records without authorization. The "Measures for the Management of Credit Credit" also clearly collects fees from the information subject to the main body of the credit reporting agency on the grounds that the credit reporting institutions cannot delete bad information or do not collect bad information.

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