Will the credit center send text messages to individuals?

The credit center won't send us text messages in person. It is only responsible for recording our credit status, and will not take the initiative to contact users, nor will it send text messages asking us to repay.

Therefore, if we receive a short message from the Credit Information Center, it may be a way for the platform to collect arrears, or it may be used by criminals to defraud. If it is fraudulent information, we need to pay attention to it, and don't click on any links. Otherwise, after we enter some key information, it may cause economic losses.

How do you know if there is a credit report?

We have the opportunity to get my credit report for free twice a year, and charge a certain fee from the third time every year. The charging standard is 10 yuan/time. If we want to check our credit information, we can go through the following official channels.

China People's Bank Counter, Credit Information Center official website, APP.

Other commercial banks: At present, there are 12 commercial banks in China that provide online banking personal credit report inquiry service. Generally speaking, all the big banks we are familiar with can check the credit report. You can also call the bank's customer service hotline and ask if you can handle the business of inquiring about credit reports. Then go to the counter or the mobile banking APP to find the credit entrance.

China unionpay "China unionpay express" APP: locate the relevant cities through the "China unionpay express" APP, find the "credit report" applet on the home page or the city service area, click enter, and pass the identity authentication, so we can submit the application for credit report online.

Draft an administrative management bill

Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.

Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.

After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

development status

At present, the personal credit investigation business has further expanded to foreign banks and non-banks and entered a new stage of development in cooperation with institutions such as pawn, guarantee and leasing.

The enterprise credit information system collects all kinds of business credit information of enterprises, including enterprise registration information, annual inspection grade, product compliance information, tax grade information, performance evaluation information of state-owned assets, import and export customs declaration records, credit financing records, industry statistical analysis information, etc.