3.Safeguard the rights and interests of credit investigation in accordance with the law 

Beware of "credit repair" scams

First, the governance of "credit investigation and repair" chaos eight questions and eight answers 

1.May I ask whether there is a concept of "credit information repair"？Whether personal credit history can be repaired?

A: There is no concept of "credit recovery"。At present, in all the relevant regulations, documents and systems regulating the credit investigation industry and credit investigation institutions, the concept of "credit investigation repair" is not mentioned。

The concept of "credit repair" exists in the field of public credit information。"Credit repair" generally means that credit entities actively improve their own credit status，After rectification and correction of dishonest behavior and elimination of adverse effects，An application shall be submitted to the unit that determines the untrustworthy information or the operating institution of the credit platform website that collects the untrustworthy information，The identification unit or the collection agency shall comply with the relevant provisions，Remove the credit subject from the list of seriously untrustworthy subjects，The disclosure of dishonest information shall be terminated，As well as labeling, blocking or deleting untrustworthy information。"Credit repair" applies to public credit information, that is, social credit information generated or obtained by state organs in the process of performing their duties and providing services in accordance with the law。The system (platform) to carry out credit repair is the national enterprise credit information publicity system, the "credit China" website, etc., and the repair content is to revoke the relevant credit measures, such as the termination of the disclosure of untrustworthy information。

The general public should clarify the difference between "credit information repair" and "credit repair", and do not believe the false propaganda of credit information repair on the network。

2.It can be disputed whether the concept that personal credit can be repaired on the network should be translated into personal credit？Under what circumstances can an individual file an objection with the Bank？

A: The concept of "credit investigation repair" does not exist in the credit investigation system, and the false propaganda that personal credit investigation can be repaired on the network is essentially to deliberately confuse the concept of credit investigation objections, and mislead the information subject to believe that the correctly recorded credit information can be repaired after "faithless"。In fact, according to the Regulations on the Management of the Credit Investigation Industry and other provisions, information providers such as credit bureaus and commercial banks have no right to arbitrarily change or delete the bad information displayed on the credit report。However, if the information subject believes that there are errors or omissions in the information collected, stored or provided by the credit investigation institution, it has the right to raise objections to the credit investigation institution or the information provider and request correction。In essence, the objection to credit investigation is a kind of error correction mechanism, which is different from the repair carried out for the reconstruction of credit after the breach of trust。

3.What are the common routines of "illegal credit investigation repair"？

A: All the propaganda on the market about "credit investigation repair" and "credit investigation whitewashing" is false and illegal。They pretended to be authoritative experts, professional lawyers, etc., and deliberately confused the concepts of "credit repair" and "credit repair" and "credit investigation objections.。In the name of "credit information repair, whitewashing, shovelling", "objection complaint consultation, agent", false publicity is carried out。Induce the information subject to entrust it with "credit investigation and rights protection", require the information subject to provide important sensitive personal information such as identity documents, bank card numbers, and contact information, and pay high service fees。Some lose contact after charging high fees, and some instigate individuals to make unreasonable complaints with "non-malicious overdue" and other reasons, and even fake materials and other illegal means to make malicious complaints。 Usually, after the failure of modification, the "illegal credit information repair" gang will not only not refund or lose contact, but even threaten the property security of the information subject。

According to relevant regulations, any institution is not allowed to modify the display of error-free credit report, once found illegal deletion, modification, will face serious penalties and accountability。 Therefore, the so-called commercial, clear charges of "credit information repair" are deceptive, do not believe。The use of such unconventional means to protect rights, not only can not remove the display of errant bad credit records, may also cause adverse effects on individuals, resulting in the illegal use of personal information, and even serious will be suspected of participating in illegal criminal activities。 

4.What is the definition of credit report and bad information？What is the right response to bad information？ 

A: The credit report is comprehensive and truly records the information subject in the bank to borrow money, abide by the contract and abide by the law, both on time repayment records, but also the information subject does not repay on time, or borrowed money does not return records。At present, personal credit records are mainly stored in the credit information system of the People's Bank of China, and are provided for external inquiry in the form of credit information reports according to law。 

Bad information，It refers to the following information that has a negative impact on the credit standing of the information subject: the information subject fails to perform its obligations in accordance with the contract in economic activities such as lending, credit purchase, guarantee, lease, insurance, and use of credit cards，The administrative penalty imposed by the administrative department on the information subject，Information about the people's court's judgment or order on the information subject's performance of obligations and compulsory execution，And other bad information stipulated by the credit investigation industry supervision and administration department under The State Council。

If there are bad information records on the personal credit report, the information subject first needs to verify whether the bad information records are objective and true。If the bad information is an objective fact，The organization did not report an error，No institution or individual has the right to amend or delete it， The information subject shall pay attention to timely repayment in future credit activities，Avoid overdue，Maintain a good credit history;If the bad information does not conform to the objective facts， The information subject shall collect corresponding evidence，Raise credit objection to the institution or the People's Bank。 

In addition, in order to give the subject of untrustworthy information protection and the opportunity to start over, Article 16 of the Regulations on the Management of the Credit Investigation Industry stipulates: "The storage period of personal bad information by the credit investigation agency shall be 5 years from the date of termination of the bad behavior or event;If the period exceeds 5 years, it shall be deleted。Within the retention period of the bad information, the information subject may explain the bad information, and the credit investigation institution shall record it。Therefore, when there is bad information such as overdue, the information subject should immediately terminate the bad behavior, such as timely repayment。If there are special circumstances that cause bad information, you can also apply for a declaration of bad information。 

5.Some experts on the Internet interpret that short-term overdue words only need the debtor to take the initiative to contact the bank after making up the arrears, and strive not to report the credit record is advisable？ 

A: The credit report objectively records credit facts and other credit information, as long as the overdue fact occurs, it will be objectively recorded in the credit report。Therefore, it is not advisable for online experts to contact banks and strive not to report credit records。 

Information users such as banks and other financial institutions in the loan approval, according to the information subject's credit status, the degree of credit failure and the institution's own internal risk control policies and measures, comprehensive analysis and evaluation。Among them, the credit record is an important reference factor, but it is by no means a decisive, one-vote veto access condition, and there is no such thing as a blacklist of the People's Bank of China credit information system。The general public should rationally understand the bad record on the credit report, do not over-interpret the negative role of bad information, consciously accept the adverse impact of bad behavior on personal credit status in the past, and accumulate positive personal credit records in the future credit activities。 

6.What are the legal rights protection channels for personal information subjects？What should I do if there is an error or missing credit information？Whether the receiving agency has the authority to charge fees？ 

Answer: According to Article 25 of the Regulations on the Administration of the Credit Investigation Industry，The information subject believes that there are errors or omissions in the information collected, saved or provided by the credit investigation institution，Have the right to raise objections to credit investigation agencies or information providers，Request correction;Article 26 Provisions， The information subject believes that the credit investigation agency or the information provider or the information user infringes on its legitimate rights and interests，You may file a complaint with the local office of the credit investigation industry supervision and administration department of The State Council。 

If there is wrong or missing credit information, the information subject can directly reflect the appeal to the official channels announced by financial institutions, regulatory departments, etc., and apply for credit investigation objections, and the accepting institutions have no right to charge any fees。 

7.How to maintain a good personal credit history？Check if there is a charge on your credit report？ 

A: In financial activities, especially in credit activities, information subjects should take the initiative to maintain smooth communication channels with banks or financial institutions, rationally carry out debts, reasonably arrange repayment time within income, and avoid overdue。If overdue has occurred, measures should be actively taken to communicate with the institution to avoid further overdue。 

In daily life, pay attention to protect personal privacy information, do not click on links from unknown sources。Do not provide identity information, such as ID card, ID card number and bank card number, password, mobile phone number, etc. to others at will to avoid identity information theft. If you find that your personal information has been stolen, you should report to the public security organs as soon as possible to safeguard your legitimate rights and interests。 

In accordance with the Regulations on the Management of the Credit Investigation Industry and other provisions, individuals inquire their credit report for free the first 2 times a year, individuals inquire for 3 times a year and more, each time a service fee of 10 yuan。 

8.What are the inquiry channels of personal credit report？ 

A: There are two inquiry channels: online and offline。For online inquiries, please visit the official website of the Credit Investigation Center of the People's Bank of China (http://ipcrs).pbccrc.org.cn) query, you can also query through cloud flash payment APP, some commercial banks online banking, mobile APP, etc。Offline inquiry You can bring your valid ID card to all branches of the People's Bank of China and all inquiry agent outlets for inquiry。 

Second, "Safeguard the rights and interests of credit investigation in accordance with the law to guard against" credit investigation repair "scam" 

"Credit investigation and whitewashing？"" One-stop service for credit investigation and repair？"Directly connected to the central bank credit information system？Is it true that spending money can eliminate bad credit records？Now let's follow Xiaoxin students through the exam to find the correct answer: 

1.Xiaoxin student forgets to repay within the prescribed time after using the credit card, can this bad information presented on his credit report be "whitewashed"？

 A can and B can't 

Correct answer: B No

There is no such thing as "credit repair" in the field of credit investigation, and the credit information correctly displayed on the credit investigation report cannot be "repaired".。According to the Regulations on the Management of the Credit Investigation Industry and other provisions, both credit agencies and commercial banks and other information providers have the obligation to truthfully submit credit information, and have no right to arbitrarily change or delete the bad information displayed on the credit report。The claim that personal credit information can be repaired on the Internet belongs to false propaganda, and the essence is to deliberately confuse the concept of credit information objection, and mislead the information subject to think that the correctly recorded credit information can be changed or deleted。 

2.Xiaoxin recently received a phone call saying that "you can directly connect the central bank's credit information system to help modify the credit information data". Can these "credit information repair" institutions directly connect the central bank's credit information system to modify the credit information data？ 

A can and B can't 

Correct answer: B No 

The data collection, collation, preservation, processing of the basic database of financial credit information, and the provision of information to the user have strict regulations, and have not been connected with any so-called "credit information repair institutions"。Those who claim that they can "directly connect to the central bank's credit information system" to modify credit data are scams。 

3.What are the common routines of "credit information repair" institutions？ 

A impersonating authoritative experts, professional lawyers, etc., deliberately confusing the concepts of "credit repair" and "credit collection objection", and creating the name of "credit investigation repair"。 

B to carry out false propaganda in the name of "credit investigation repair, whitewashing, shovelling", "objection complaint consultation, agent"。 

C induces the information subject to entrust it with "credit investigation and rights protection", requires the information subject to provide important sensitive personal information such as identity documents, bank card numbers, contact information, and pay high service fees。 

D instigate individuals to falsify false materials and make unreasonable complaints on the grounds of "non-malicious overdue"。

Correct answer: ABCD 

 According to relevant regulations, any institution is not allowed to modify the display of error-free credit report, once found illegal deletion, modification of credit data, will face administrative penalties and accountability。Therefore, the so-called commercial, clear charges of "credit information repair" are deceptive, do not believe。The use of such unconventional means to defend rights, not only can not remove the display of errant bad credit records, may also cause adverse effects on individuals, resulting in the illegal use of personal information, threatening the property security of the information subject, and even suspected of participating in illegal and criminal activities。 

4.Which of the following information will have a negative impact on the credit status of Xiaoxin students and form bad information？ 

A Xiaoxin student in the loan, credit purchase, guarantee, lease, insurance, use of credit cards and other economic activities did not fulfill the obligations in accordance with the contract information。

B Information about the administrative punishment imposed on Xiaoxin students by the administrative department。 

C People's court judgments or rulings of Xiaoxin students to fulfill obligations and mandatory enforcement information。 

D Other bad information as stipulated by the credit investigation industry supervision and administration department under The State Council。 

Correct answer: ABCD

The People's Bank of China does not have a credit system blacklist。We should rationally understand the bad record on the credit report。If there are already bad information records on the personal credit report, the information subject first needs to verify whether the bad information records are objective and true。If the bad information data is correct, no institution or individual has the right to modify or delete the relevant data。 The information subject shall pay attention to repayment on time in future credit activities, avoid overdue, and the undesirable information will be deleted five years after the termination of the undesirable behavior or event。

5.Xiaoxin students plan to buy a house recently, need to check the personal credit report, personal credit report where to check？ 

A Enquiries on the official website of Credit Information Center of the People's Bank of China (http://ipcrs.pbccrc.org.cn） 

B Cloud flash payment APP 

C Part of commercial bank online banking and mobile APP 

D Offline inquiries at branches of the People's Bank of China and inquiry agent outlets

Correct answer: ABCD 

Individuals are entitled to free access to their personal credit report twice a year。 

6.How should Xiaoxin students maintain their good personal credit history？ 

A Check your personal credit report regularly to understand your credit status and check for errors。

B Get into debt properly and spend within your income。  

C Be prudent in vouching for others。 

D Do not click on unknown links at will to protect personal information。 

E Truthfully fill in and timely update personal information to qualified lending institutions to ensure that the information is accurate。 

Correct answer: ABCDE

After the above pass answer 

You are not on "credit repair" scam 

I have a new understanding？ 

If the information on your personal credit report is incorrect 

What should we do about it？ 

If the information subject believes that there are errors or omissions in the information collected, stored or provided by the credit investigation institution, it has the right to raise objections to the credit investigation institution or the information provider and request correction。If the information subject believes that the credit investigation institution or the information provider or the information user infringes on its legitimate rights and interests, it can complain to the local branch of the credit investigation industry supervision and administration department of The State Council, without charging any fee! 

Let us join hands 

Safeguard the rights and interests of credit investigation through regular channels 

Together to "credit repair" scam 

Say NO! 

Source: Chongqing Operation Management Department of the People's Bank of China