Do not distinguish!Credit reporting is a scam, credit repair is a measure of helping enterprises

Henan Daily Client reporter Zhou Qingsha

In recent years, scams with the banner of "Credit Repair" have emerged in many stages across the country. "Toll repair, unsuccessful, refund", some people are tempted by such advertisements, and they are deceived. The following case reminds us that credit reporting is a scam, which is a concept of no existence. Credit repair is an important system in my country. Don't be stupid.

Li often showed off a successful case of "Credit Repairing" Credit Service Co., Ltd. in the circle of friends. The credit reporting service Co., Ltd. was charged for 4,000 yuan within 6 banks, with a success rate of more than 90 %, and it was regular and legal. Song and Wang Mou thought that this was a good opportunity for getting rich. He wanted to worship Li as a teacher and make money through "credit recruitment". The two parties agreed that Li and Song and Wang finally agreed that the training cost was 18888 yuan, and 10,000 yuan was paid first. When receiving training, Song Mou and Wang Moumou found that the company helped customers "repair credit", which was actually deceived banks such as fake fake banks and fake hospitalization medical records. Song and Wang Moumou felt "problematic", so he asked for refund, and after Li Mou rejected the two, the two reported to the police.

The People's Court of Jinshui District was tried that in accordance with the relevant provisions of the Criminal Law of the People's Republic of China, Li and Zhao were sentenced to six months in prison for fraud and one year in prison.

According to reports, the chaos of "Credit Repair" not only disrupts the order of credit information, but also easily causes the risks such as leakage, trading, and even malicious use of personal information. The judge reminds everyone that the credit report is issued by the Credit Center of the People's Bank of China to reflect the basic situation of individuals or corporate social credit. There is no "credit repair" in the field of credit reporting. Any commercial activities conducted in the name of "credit recovery" are scams.

According to Article 16 of the "Regulations on the Management of the Credit Industry", the credit period of the credit reporting agency on personal bad information is 5 years from the date when the bad behavior or the incident is terminated; if it exceeds 5 years, it shall be deleted.

If an enterprise or individual has any objections to the overdue in the report, it can solve it through two ways: First, contact the credit institution by yourself. Update; the second is to bring the original and photocopy of the ID card, and go to the local People's Bank of China Credit Center to submit an application for objection to the information in the report. A response to a natural day will be given. Credit objection acceptance does not charge any fees.

Credit repair is an important institutional arrangement for the construction of a social credit system. In May 2021, the National Development and Reform Commission drafted the "Administrative Measures for Credit Repair (Trial) (Draft for Opinions)" to clearly stipulate the methods, conditions, procedures, etc. of credit repair.

Liu Ye, deputy director of the Executive Bureau of the Jinshui District Court of Zhengzhou City, introduced that not long ago, during the implementation of a contract dispute in the court, a certain engineering company was included in the high list of engineering Co., Ltd. After many communication, the company promised to pay the arrears and bear the execution fee within a week, and the applicant agreed to mediate the case. After the payment of the enterprise, a credit repair application was submitted to the court. On August 10, the court lifted the restrictions on the company's legal representative in accordance with the law.

It is understood that at present, the courts of our province have strengthened the linkage with other departments in various ways, improved the credit repair mechanism, and encouraged enterprises to automatically perform the effective referee, so as to incentive to promote conflicts and disputes to be substantially resolved.

Henan Provincial High Court and the Provincial Local Financial Supervision Bureau, the Chief Walker Zhengzhou Central Branch, and the Henan Banking Insurance Regulatory Bureau have formed the "Opinions on Strengthening the Financial Support of Bankruptcy and Reorganizing Enterprise" in solving the problems of financial support and credit repair in enterprises. Effectively save difficulties with reorganizations and further prevent and resolve financial risks.

The Luoyang Intermediate People's Court issued the "Action Plan for Providing High -quality Judicial Services for the Formation of Growth Extreme for the Formation of Growth Extreme" for the establishment of a vice center center of Luoyang City, which focuses on optimizing the business environment of the rule of law, establishing a graded classification and punishment, inspirational incentive for the execution of the dishonesty, and the inspirational inspirational inspirational incentives. The credit repair mechanism proposes 35 measures to promote social integrity.

The Puyang Intermediate People's Court issued the "Implementation Opinions on Establishing a Credit Promise and Credit Repair Mechanism" (trial) to regulate the credit repair work of the court.

With the support of the system, courts across the province have explored the measures for credit repair to help enterprises. Experts said that credit is the foundation and core resources of the survival of the enterprise. Credit repair provides self -correction and new opportunities for the subject of the dishonesty. It can show the tolerance and release positive energy to the market and society. Essence

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