How to repair the overdue personal credit information

1. Eliminate by time. Pay off the debt from the record date and keep a good Z-letter record. After five years, the credit stain can be removed.

2. At the early stage of overdue, you can find Yin H to explain the situation and pay off the arrears in time.

3. When you find yourself overdue, if the information is stolen or overdue due to mistakes made by Bank H, you should promptly file an objection application with Bank H and submit relevant materials. ...

4. Clean up bad debts in time, pay off bad debts and maintain good credit. It can also be cleared after five years.

Extended data:

What does credit repair do?

Article 25 of the Regulations on the Administration of Credit Information Industry stipulates that:

"If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it 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 who receive objections shall mark the objections on the relevant information in accordance with the provisions of the supervision and administration department of the State Council Credit Information Industry, check and deal with them within 20 days from the date of receiving the objections, and reply the results to the dissidents in writing.

"After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and 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, it shall record the verification and the contents of the objection. "

It can be seen that personal credit information can indeed be repaired. Lawyer Xiao Sa, director of the Bank of China Law Research Association, said that the regulations stipulate that every citizen has the right to raise objections and repair credit information. After the bad record of personal credit information appears, you can take the initiative to exercise the right to repair it at the expiration of the statutory time limit. From filing an "objection application" to reviewing, a clear result can be obtained in 20 days.

Xiaosa also pointed out that citizens will face various difficulties in repairing personal credit. For example, the law stipulates that citizens have the right to file a lawsuit, but it is difficult and almost impossible for people without professional knowledge to collect evidence to prove their claims, file a lawsuit with the court and wait for the verdict. Even if it can be completed, it will cost a lot of money. Therefore, when people want to sue, they often entrust lawyers to handle legal affairs on their behalf; In the case of personal credit repair, a "repair agency" with certain professional knowledge plays a role similar to a lawyer: entrusted by consumers, it provides consultation and training, helps them complete various preparations and procedures for credit repair, and charges a certain fee.

02.

What if the credit is overdue?

In Xiaosa's view, with the popularization of relevant knowledge and the gradual integration of the credit information system into people's lives, the credit information system and related services will be gradually standardized and legalized, and with the gradual arrival of supervision, this illegal and criminal act of using the credit information system is difficult to exist for a long time.

Then, what if the credit report is overdue? The insiders gave suggestions:

If it is only a short-term overdue, the debtor needs to take the initiative to contact the bank after making up the arrears, and strive not to report the loss. Not all overdue cases will be immediately displayed in the personal credit report. If you contact the bank to pay off the arrears before the bank reports to the central bank's credit information center, you may not report the problem, and there will be no problem of overdue records.

If the overdue time exceeds 90 days, you need to pay off the arrears and pay attention to your credit habits. Generally, if it is overdue for more than 90 days, it has already been collected. At this time, in addition to paying off the debts, the debtor usually needs to repay a certain amount of penalty interest. In addition, in order to prevent being identified as malicious evasion of repayment, don't cancel the arrears account immediately, and the bad information will be automatically eliminated after 5 years.

In case of unexpected overdue due to force majeure and other factors, the debtor may appeal to the bank and ask the bank to issue a "non-malicious overdue certificate". For example, due to illness, going abroad and other special circumstances, it is impossible to repay in time during the repayment period, resulting in unexpected overdue, and the bank can conclude that the overdue is not out of malice. If you can contact the bank to issue a "non-malicious overdue certificate", it will not affect the personal credit report.

If it is not for its own reasons, the debtor may file an "objection application" with the central bank. This "overdue" situation may be caused by system errors or fake loans. You can contact the relevant overdue banks in time to explain the situation, and then submit an objection application to the credit information center of the local people's bank. After investigation, the bad overdue records can be eliminated within 15 working days.

"With the stricter credit record, only by maintaining a good credit status and trying to avoid overdue can we avoid the credit crisis." Xiaosa said that once it is overdue, it is the right choice to rebuild credit through legal means and repair credit through compliance agencies. "Don't make a big mistake because of impatience, and regret it."

03.

Are a large number of credit repair institutions legal?

On July 2, 20 19, the National Public Credit Information Center issued the Announcement on Issuing the List of Credit Service Institutions (the First Batch) that can undertake the special training task of credit restoration, and recorded the first batch of 13 special training institutions identified. These institutions will provide credit repair training for those who need credit repair. The training contents include: social credit laws and policies, disciplinary measures for dishonesty, credit repair methods and repair procedures. The training time is not less than 3 hours. After the training, the organization will issue a "credit training certificate" to consumers as an effective material for the applicant's credit repair, and pass the "Credit China" website and local credit portals as required.

In addition, the National Public Credit Information Center also issued the Announcement on Publishing the List of Credit Service Organizations (the First Batch) that can issue credit reports for credit repair applicants, which listed 62 institutions that can issue credit reports for applicants. However, the central bank has the right to decide whether to refer to the reports issued by these institutions.

In fact, before the National Public Credit Information Center published the above two lists, a large number of credit repair institutions had appeared in the society. Moreover, some insiders pointed out that in addition to the maintenance agencies recorded on the current list, there are also a large number of actually operated maintenance agencies. "On the one hand, the industry lacks a clear definition of the nature of such services, on the other hand, it also lacks effective behavioral norms and related supervision." Xiaosa said that some practitioners in this kind of business take advantage of the applicant's lack of relevant professional knowledge to directly defraud or even defraud; Or use regulatory loopholes to engage in illegal and criminal acts such as forging documents.

For example, some credit reporting agencies suggest that applicants forge hospitalization certificates, stay abroad and other materials, and make non-malicious repayments to banks. If the applicant forges the seal of the hospital and other supporting materials, he may commit the crime of forging the official seal. Paragraph 2 of Article 280 of China's Criminal Law stipulates that whoever forges the seal of a company, enterprise, institution or people's organization shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights, and shall also be fined. Because credit investigation is the basis for banks to approve loans, in order to obtain loans, applicants may forge proof materials and modify credit investigation reports, which may also constitute the crime of defrauding loans. Doctors involved in related incidents should also bear corresponding legal responsibilities.

At the same time, the relevant institutions have behaviors such as high fees, large-scale training of students, and joining agents. If the institution does not master the technology of credit recovery, it will not only violate the relevant provisions of the Advertising Law, but also be suspected of fraud. Cultivating students on a large scale and developing offline may also be suspected of pyramid schemes. However, according to the current laws of our country, if the service activities such as agency, consultation and training of credit information are true and compliant, and there is no direct violation of the mandatory provisions of the law, it is difficult to be completely eradicated.