Can you change it?Don't believe it, it is fraud

Are there any information on your credit record?

If someone helps you "repair" credit records

Will you spend money to do it?

With the application field of credit reports

Continuously expand

"Credit Repair"

Become a new popular scam

Illegal agencies use some information subjects

Eager to eliminate the psychology of bad credit records

With the so -called "credit shovel"

"Credit Credit Washing Whitening"

Deceive money

Please polish your eyes

Improve identification and prevent fraud ability

Guard your personal information and money bags

"Credit Credit Repair" scam

There are three main routines

01

Routine

Run the road after charging high expenses

This type of scam uses the public's urgent psychology of eliminating bad credit records and misunderstandings about the concept of "credit reporting". The main body of the information uses "non -malicious overdue", "force majeure" and other reasons or forgery of evidence materials to complain, and take the opportunity to charge high agency fees. Usually, the bad information is not refunded or directly runs out after the failure.

02

Routine two

Credit training and fraudulent fraud

This type of scam is based on the large demand for credit reporting and has a prospect. It lies to open training classes at the professor's "credit recovery" skills. By recruiting trainees and franchise agents, it has developed offline, but in fact, it is to deceive the agency fee for franchise. The core content of the so -called training is to teach people to deceive financial institutions through falsification of evidence to try to achieve the purpose of deleting overdue records.

03

Routine

Check personal sensitive information

In the process of handling the "Credit Repair" process, this type of scam requires the information subject to provide important sensitive information such as identity documents, bank card numbers, and contact information. Criminals make profits by leaking and selling personal information, and even use this information to rush to name online loans. , Harmly the safety of the person and property of the information of the information.

Knock blackboard:

"Credit Repair" does not exist!

There is no such thing as "credit repair" and "credit reporting" in the field of credit reporting. Do not confuse "credit recovery" with "credit repair". "Credit Repair" refers to the relevant government departments after correction of the dishonesty, and the relevant government departments will remove the list of the main body of the dishonesty in accordance with the law and stop administrative processing publicity. There are no concepts of "credit recruitment" in regulations or documents. Do not trust the false publicity of the Internet and mistakenly enter the fraud trap. All the "credit reimbursement" that claims to be compliant and charged is fraud!

There are objections to the information on the credit report

What is the correct approach?

ask

Where can I raise credit objections?

Answer you think there are errors and omissions in the information in the credit report. You can raise a credit objection and ask for changes. There are two channels for applying for credit objection:

(1) Information providers such as credit institutions: You can call the institution's customer service phone or go to the business outlets of the business institution to apply for credit objections.

(2) The People's Bank of China Credit Centers: You can go to the Credit Center of the People's Bank of China Credit Center Council to apply for credit objection.

ask

What are the results of raising credit objection?

Answer (1) After verification, there are no errors or omissions in the relevant information. Credit reports truthfully record your basic information, credit information, etc. Any institution or individual has no right to change at will.

(2) After verification, there are errors and omissions in the relevant information, and they are modified to real and accurate information.

ask

Do I need to charge for credit objections?

Answer, whether it is to ask the information provider or the Credit Credit Center of the People's Bank of China, it will not charge any fees.

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