"Credit Repair" is a scam!The supervision "zero tolerance" under the "100 -day operation"

CCTV News (Reporter Wang Lili) In recent years, false propaganda and fraud routines such as "credit recovery" and "credit reporting" have emerged endlessly. In April of this year, the central bank issued the "Notice on the" 100 Days Action "of the" Council of Credit Repairing "chaos", and required this work nationwide from mid -March to late June 2022 to late June.

With the advancement of the special governance of the "Credit Repair" chaos, CCTV reporters found that they recently prompts that the relevant institutions are required to rectify the special governance of the "credit recovery" chaos in the area in many places in the country.

Taking Shanxi as an example, as of the end of May, the People's Bank of China Taiyuan Central Branch provided clues and list investigations, etc., and arranged a total of 309 institutions with the word "credit" in the business scope. "Twelve institutions, guided institutions to actively change 103 industrial and commercial information, cancel 21, and jointly include 24 operating exception lists, and transfer 48 to market supervision and public security departments.

Survey: "Intermediary" processing credit reporting overdue 8%service fee overdue

The central bank issued a prompt that "credit recruitment" is not credible, but there are still criminals who use the banner of "credit repair" and "credit reporting" and other banners to obtain unfair interests.

On the afternoon of June 21, a CCTV reporter contacted an institution in Hubei on the grounds that the credit report was overdue. -8%of the service fee is required for 80,000 yuan. In other words, the service fee of 6,400 yuan is required for more than 80,000 yuan.

"We are also regular companies. You send me the credit report. We will give professional solutions and have a professional legal team to negotiate with the bank." The salesman said.

Subsequently, the reporter contacted several institutions, and the other party said that customers with this demand only needed to provide detailed credit reports, overdue credit cards, mobile phone cards, and ID cards. They will solve other problems.

Financial institutions: Called legal charging credit reimbursement is a scam

So, does the "regular company" in the business of salesperson update and revoke overdue records really exist? The answer is impossible. Even the concept of "credit recruitment" is wrong. Anyone who claims to be legal and charges credit reporting is actually a scam.

In response to this issue, on March 30 this year, the website of the National Development and Reform Commission issued the "Notice of the General Office of the National Development and Reform Commission on the special governance of" focus on credit reimbursement ". The withdrawal rate of governance accounts strives to reach 100%, and then strictly maintains dynamic "clear zero".

Many financial professionals said that companies or individuals who do credit reporting business are more like agency agencies or individuals who help customers perform credit objections. intermediary". In fact, if you find a problem with credit records, you can apply directly to financial institutions or credit reporting agencies, requesting correction and no need to pass a third -party company.

According to the "Measures for the Management of Credit Credit", the main body of the information considers that the information is wrong or omitted, and the right to obtain objections to the credit reporting agency or information provider. In addition, credit reporting agencies for the preservation of individual bad information are 5 years from the date of endless behavior or incident; more than 5 years, they should be deleted.

During the specific undertaking process, various banks also have different preventive methods. Wen Fengli, the credit management department of Taiyuan Branch of Minsheng Bank, said: "In the work of conducting credit objections, the person instructed someone to get in touch with the customer himself, communicate the processing plan, and provide a credit objection processing in the case of providing real and sufficient evidence of evidence. At the same time, it also took the initiative to strengthen the warning education of the personnel of key positions, strictly prevent internal and external collusion, and resolutely eliminate illegal acts that leak and tampered with customer credit information. "

Yang Yan, the Credit Management Department of the Bank of Shanxi, said: "Bank of Shanxi uses the advantages of various business outlets to place a credit prompt card, play credit promotion public welfare films, and collect the QR code by placing the alert" Credit Repair "trap clue, active Participate in supervision of illegal acts. "

Law expert: scam disruption of financial order requires multi -department coordinated governance

In recent years, there have been many cases of fraud or contract disputes about "credit reimbursement" in various places. Relevant departments have repeatedly reminded them to beware of scams. Why can consumers still trust the "Credit Repair" scam?

Professor Wang Jijun, a professor at the Law School of Shanxi University, said in an interview with CCTV reporters that "credit reimbursement" not only impacted the credibility of credit reporting management, disrupted the economic and financial order, but also wasted public law enforcement judicial resources. The reasons for illegal intermediary fabrication, forged materials, and "running the road", which not only harms the economic interests of financial consumers, leads to the leakage of personal sensitive information, and even causes legal risks.

"It is very dangerous to expose personal information to the institution. It does not rule out the possibility of the other party's use of personal information fraud, false registration companies, applying for bank cards, or even money laundering." Wang Jijun said that in the laws and regulations of credit reporting The records are free, whether it is a credit objection or a credit complaint, it is free. The advertisements that collect a certain fee, handle credit recruitment, and overdue online loans are false advertisements, illegal publicity, and severe cases will be held accountable.

There are less than a week before the date of regulatory requirements. At present, the "credit reporting" rectification situation is prompting or notified in many places in the country, requiring relevant agencies to rectify and report the improvement of the improvement within a time limit.Wang Jijun said that credit is the basis for the healthy operation of the market economy, and more and more people attach importance to credit reporting, which shows that the benign ecology of the credit reporting system is gradually forming.Behind the "100 -day operation" is actually the "zero tolerance" of the violations of credit reporting. He suggested that judicial, financial supervision, telecommunications and other fields, multi -industry, and multi -departments coordinated governance, and we will do it together.

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