Can I really repair the bad credit records?The authoritative response of the People's Bank of C

Editor's note: June 14, 2022 is the 15th "Credit Care Day" in the country. As everyone's economic identity card, it cannot be seen, but it is widely used in loans and credit card approval. It is also used by some units, organizations, and enterprises to qualify for qualification review, employee recruitment and other activities. In recent years, criminals have carried out false publicity in the name of credit reporting, or carried out profit activities and fraud under the banner of "credit recovery". In order to popularize the knowledge of credit acquisition, guide the public to understand the credit reporting business correctly, crack down on illegal activities such as "credit recovery" and "credit fraud", and maintain a good credit environment. Popularize credit acquisition knowledge Care and credit records "reports" reports, and talk to you about credit reporting.

[Dahe Daily · Dahecai Cube] (Reporter Pei Rongguan) There is a bad record in the credit report, can you spend money to repair it?

The answer is not, and even the concept of "credit recruitment" is wrong.

However, in reality, due to the many aspects of credit reporting about the daily life, once it is poor, it is very likely that it will affect loans and credit card approval. Therefore, many people believe in "credit repair" and "credit reporting white". The trap. In the end, not only the credit could not be washed away, but also faced the loss of property, and even embarked on the road of illegal.

What exactly is the routine of the criminals in the coat of "Credit Repair"? Can bad credit records really delete?

Can be deleted by 2,000 yuan/piece for bad credit records?

Pedestrian Zhengzhou Central Branch: scam

In order to find out, the reporters of the Dahe News Daily Dahecai cube reported keywords such as "Credit Repair", "Credit Credit", "Credit Credit Washing" and other keywords were retrieved in multiple search engines and video numbers. Looking at it, there are not many related advertisements. There is indeed a company that "professional solution to loan overdue" claims that "credit reporting cannot be repaired", but some people have clearly stated that "yes".

The reporter contacted a "repair division" who claimed to be "professional repair". The "repair division" told reporters that what they did is not called "credit repair" and belongs to the recovery of credit reporting. There must be a channel for repair, just like the reasoning of credit recovery. After the completion, all overdue records have disappeared. "Credit information actually has a policy of recovery, but you can't handle it."

It said that no matter whether it is overdue records or credit stains, more than 90%can be repaired, and under normal circumstances, it is 2,000 yuan. After seeing the specific credit report, then quote in detail, if there are many numbers, you can discount.

Regarding the question of the reporter's "repair means legal", the "restoration division" claimed that its company was authorized by the central bank and business, and did not deal with banks at all. There were professional legal teams to deal with. When the reporter asked how to repair it, the "repair division" stated, "We must have a way, we are professional. The professional knowledge in it, including I don't understand, only knows that the technology department knows it."

In response to the above situation, Zhao Qingguang, deputy director of the Credit Management Office of the Zhengzhou Center Sub -branch of the People's Bank of China, told reporters: "There is no saying in the field of credit reporting 'credit repair' '' '' 'It's all scams. "

"In the so -called" Credit Credit Repair "case, the" Credit Repair "professional agent is mainly through instigating individuals to fabricate unrealistic reasons, even forging certificates, fictional materials documents, or malicious complaint financial institutions, etc. Modify bad information, do not refund or lose contact after the modification fails. The essence is that the criminals use financial consumers to understand the credit reporting policy and regulations, deliberately confuse the credit objection, mislead the concept of credit reporting, and achieve illegal illegal means to deceive the means of deception. The purpose of profit, "Zhao Qingguang said.

He said that if financial consumers are accidentally caught in a "credit recovery" scam and participate in illegal agency complaints, not only cannot delete bad credit records displayed without error, but also the leakage of sensitive information such as personal identity documents, contact information, bank card number and other sensitive information. It is harmful to the safety of people and property, and it may be suspected of illegal crimes.

Recently, the Chongqing Camp Management Department of the People's Bank of China announced such a typical case. Yang, who was preparing to buy a house, found that there was an overdue record in personal credit reports when applying for a bank loan. Worried that the loan was not smooth, he found an intermediary Zhu Mou on the Internet. Under Zhu's instability, Yang applied for credit objection on the grounds of "affected the influence of the epidemic" and submitted false materials to financial institutions. In the process of verification, the financial institutions found abnormalities. In the end, Yang not only failed to "wash" credit, but also was punished by administrative detention for falsifying enterprises.

There are many credit recruitment restoration routines

These common credit fraud cases should be careful

The routine of criminals is far more than that.

Zhao Qingguang told reporters that from the perspective of daily acceptance of credit reporting and credit information supervision, there are five common types of credit fraud: "credit reporting whitewashing fraud", "credit reporting agency fraud", "credit training testing fraud" "Loan loan fraud" and "abnormal account fraud".

Some scams do not have much technical content, but due to the weakness of financial consumers' awareness and not understanding the credit reporting policy, the criminals have drilled the empty.

Recently, Xu, a citizen of Yangzhong, Jiangsu, who was urgent, received a call from a loan sales. After some communication, Xu passed the personal credit report to the other party. The other party said that there were too many small loan records in the report and needed restoration to loan. They could just help repair, but they needed to pay a certain fee. Because the amount of money was urgently needed, and the amount of a single amount requested by the other party was relatively small, Xu did not have much precautions, and was eventually deceived by the other party in the name of "repair costs" and "account opening costs" and other names. When Xu came over, the other party had lost contact. "You only need to keep in mind that as long as it is correct and bad credit records, it cannot be modified or deleted, let alone spend money to repair credit reporting. Financial consumers cannot be lucky, do not trust!" Zhao Qingguang said Essence

Xiao Chunhai, an associate professor of the School of Finance and Law of Zhongnan University of Economics and Law, also reminded in an interview with the media that some so -called "credit reimbursement" institutions will declare closely related to bank executives, but the modification of credit information not only has a very standardized process inside the bank, but also It is also necessary to be strictly supervised by financial regulatory agencies, and it is by no means "human feelings".

Why do you say that? Let's take a look at the process of the birth of a credit report: Personal information transmitted from commercial banks and other institutions to the basic database of financial credit information through a special line. In the process, no human intervention was automatically processed by the computer. The entire system also adopts advanced information security technology to ensure that personal information is not intentionally tampered with. At the same time, the "Regulations on the Management of Credit Industry" gives the State Council's credit reporting industry and its dispatched agencies in accordance with the provisions of laws, administrative regulations and the State Council, to fulfill the supervision and management responsibilities of the credit reporting industry and financial credit information basic database operation institutions. Institution, technology, and supervision and management ensure the accuracy, integrity and timely nature of personal information.

In order to combat the "Credit Credit Repair" scam, guide the public to understand the credit acquisition correctly, and protect their legitimate rights and interests. Since mid -March, the Zhengzhou Central Sub -branch of the People's Bank of China and the Henan Provincial Party Committee Network Information Office, the Provincial Development and Reform Commission, the Provincial Public Security Department The Provincial Market Supervision Bureau has carried out the "100 -day action" of the "Credit Repairing" chaos in the province. Social atmosphere.

As of June 10, Henan Province had transferred two clues to the public security department for pseudo -official seal documents, which had been filed for investigation. Workers and commerce were canceled; 95 institutions were transferred to the market regulatory authorities.

Can the bad credit records be eliminated?

These situations can apply for credit reporting rights protection

Is there a regular correction method for bad credit records? The answer is yes.

According to the "Regulations on the Management of the Credit Industry", the period of preservation of personal bad information on the credit reporting agency is 5 years from the date of the end of the bad behavior or the termination of the incident; if it is more than 5 years, it should be deleted.

This reminds the majority of consumers that if there is a bad credit record, return the amount of overdue as soon as possible, and avoid new overdue. More importantly, we must re -establish personal trustworthy records as soon as possible, pay attention to developing good credit awareness and habits in daily life, and fundamentally avoid the adverse effects on themselves due to poor credit records.

Taking Yang and Xu as an example, if the two really have bad credit records, as long as they have been over 5 years from the date of settlement of the last overdue debt, the overdue record will not be added in the middle, and the bad record will be deleted. No more display.

In the meantime, there will also be a special situation, that is, the information collected, preserved, and provided by the credit reporting agency is incorrect and omitted. What should I do?

"In this case, you can choose to apply for credit objection. For example, the loan has been repaid but the system error has occurred, showing that the loan is overdue; if you do n’t know, you will use personal information loans or guarantee." A bank person said.

Zhao Qingguang told the reporter from the Dahe Daily · Dahecai that the above situation had the right to ask the credit reporting agency or information provider to ask for correction. After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the credit reporting agency and information provider shall be corrected. The main body of the information considers the credit reporting agency or information provider or information user to infringe its legitimate rights and interests, and may complain to the local people's bank branch, or to sue directly to the people's court.

However, a person with a joint -stock bank Zhengzhou Branch said that if the data submission of financial institutions is wrong, it can be corrected by a bad credit record after verification; but if it is forgotten the personal reasons such as repayment, even if the application is submitted, it cannot be corrected. Therefore, we must repay time in time to protect personal credit records.

The Zhengzhou Center Sub -branch of the People's Bank of China reminds: There is no "credit recovery" statement in the field of credit reporting, and all "credit recovery" is a scam. If there are related chaos around you, please call the People's Bank of China Zhengzhou Center Sub-branch 0371-69089091 to report.

News tips:

Fire eyes and golden eyes, these are common types of credit fraud

Type 1: Credit reporting whitewashing fraud. Mainly targeting the group. "Credit Credit Repair" professional agents can make illegal methods such as fake certificates, make false materials, or malicious complaints such as fake certificates, or maliciously complained about the bad information.

Type 2: Credit reporting agent fraud. Mainly for entrepreneurial crowd. Some institutions or individuals have a large demand for credit reporting markets, and have the prospects to induce the use of "credit reimbursement" business for agents and franchise methods to deceive the agent and franchise costs. Type 3: Credit training research fraud. Mainly for entrepreneurship, employment, and dishonesty groups. Some institutions or individuals use the professional talents to cultivate "credit recovery" as the slogan. They lie to the professor's credit recovery skills or provide the verification service services of credit recovery artists, but they actually deceive high costs or personal information.

Type 4: Lambon fraud. Mainly for online shopping and online loan groups, especially college students. After some institutions or individuals obtain personal information through illegal channels, they pretend to be staff members of financial institutions, claiming that the parties have registered and handled loans. If they do not cancel or pay off the loan owed, they will affect the credit records and induce the parties to transfer money to the funds.

Type 5: abnormal account fraud. Mainly for online shopping and online loan groups. Pretending to customer service and informing the account is abnormal, if you do not cancel the account in time, it will affect personal credit reporting, and to guide the parties to steal personal information to apply for online loans after the operation of fake websites and fake platforms to deceive funds.

Responsible editor: Shi Jian | Audit: Li Zhen | Director: Wan Junwei

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