How to deal with objections to credit reporting?

Individuals who have personal credit objection to the credit report may apply for personal credit objection to the Credit Management Department of the local branch of the People's Bank of China or directly to the Credit Information Center of the People's Bank of China. Individuals need to show the original ID card and submit a copy of the ID card. If an individual entrusts an agent to file an objection application for personal credit information, the agent shall provide the original and photocopy of the ID cards of the principal (the individual himself) and the agent, the personal credit report of the principal, and a legally binding power of attorney.

1. Personal credit investigation refers to the activities of a legally established personal credit investigation agency to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Second, the credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Third, the influencing factors

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Four, credit institutions or information providers after receiving the objection, it shall, in accordance with the provisions of the supervision and administration department of the State Council credit industry, raise objections to the relevant information, check and deal with it within 20 days from the date of receiving the objection, and give a written reply to the objector.

Five, 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 of intransitive verbs

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. 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 letter of state-owned assets, etc.