Is the credit notice true?

The short message received by the mobile phone is not true, because the credit reporting agency will not take the initiative to send information to users.

Taking the central bank's credit reporting as an example, the official has made it clear that it will not notify information individuals by SMS, telephone, email and other forms, nor will it actively send information to users or inform them that they have been blacklisted, even private credit reporting agencies will not notify them by SMS.

Lenders should remember that credit reporting agencies are only responsible for recording credit information and will not be responsible for collection tasks.

Extended data:

1. What is credit reporting?

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. The Credit Information Center of the People's Bank of China is a specialized institution that establishes credit files and provides personal credit information for commercial banks.

Credit investigation can prevent credit risks: credit investigation can prevent credit risks and reduce transaction risks caused by user information errors; Personal credit report is an important information for the loan platform to measure the qualifications of borrowers. Credit investigation has solved the bottleneck restricting credit transaction and promoted the realization of credit transaction.

Second, the personal credit report

Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card. 0

Third, there are roughly four ways to inquire about personal credit information:

1. Log in to official website, the central bank's credit information center;

2. Inquire on the self-service inquiry machine authorized by the central bank;

3. Inquire at the branches and sub-centers of the local central bank;

4. Check on the mobile banking apps of major commercial banks.

It is not valid for a personal mobile phone to receive a credit notification message, because at present, credit reporting agencies will not take the initiative to send messages to users. Let's take China People's Bank as an example. In official website, it has been made clear that information individuals will not be notified by SMS, telephone or email, so it is false for everyone to receive such news.

In addition to the People's Bank of China, as a non-governmental organization, Baixing Credit Information will not send text messages to debtors in this way. Because the role of the credit reporting agency is to record information, not to be responsible for the collection task of the platform. Therefore, people who owe money receive similar text messages, which are basically fake and need to be cautious.

Fourth, how to recover from bad credit reporting?

1. Please also pay the arrears: pay off the arrears as soon as possible after the overdue period is found, so as to avoid too long overdue time.

2. Face it positively: No matter whether the bank is overdue or the lending platform is overdue, everyone should face it positively. Selling cards and uninstalling apps will not help. After overdue repayment, it is necessary to maintain a good credit record, spend normally, repay on time, and cover the bad credit record with a good credit record for about 2 years, so that a relatively good credit report can be provided.

3. Repair credit information: Keep a good credit information for five years, and the new record will overwrite the bad record, and the bad record will be automatically eliminated after five years. At this time, you must repay the loan on time, and don't be late again to prevent it from falling short. Under normal circumstances, lending institutions and banks will pay special attention to the credit performance within two years, and it is basically not a problem to apply for a card after two years.