If you break your promise, how can you repair your credit?

/kloc-In October and August, the General Administration of Market Supervision promulgated the Administrative Measures for Credit Restoration in Market Supervision and Management (hereinafter referred to as the Measures). In order to better implement the "Measures", the explanation is as follows:

1. What are the objects and methods of credit repair stipulated in the Measures?

According to Document No.49 [2020] issued by the State Council, Provisional Regulations on Enterprise Information Publicity and Measures for the Administration of Market Supervision and Management of Serious Violations of Law and Trustworthiness, the objects of credit repair include the parties who have been administratively punished by the market supervision department, listed in the list of abnormal operations, the list of serious violations of law and trustworthiness, and marked as abnormal operations.

0030 10 article 2 provides different credit repair methods according to different situations of illegal and untrustworthy. Those who are listed in the list of abnormal business operations or the list of serious violations of law and trust shall be removed from the list. If it is marked as an abnormal record state of individual industrial and commercial households, it shall be restored. The administrative punishment information publicized in the national enterprise credit information publicity system shall be stopped in advance.

Two. What are the conditions for credit repair of business exception list?

According to the relevant provisions of the Regulations on the Publicity of Administrative Punishment Information in Market Supervision and Management (1030 1), Article 5 of the Interim Provisions on the Publicity of Enterprise Information stipulates the conditions for credit repair that are listed in the list of business anomalies or marked as business anomalies: (1) Supplementary annual reports of the current year and publicity; Has fulfilled the obligation of instant information disclosure; (3) The public information that conceals the real situation or practices fraud has been corrected; (4) Registration of change of domicile or business premises is handled according to law, or the parties concerned propose that they can get in touch again through the registered domicile or business premises.

In line with the above conditions, you can apply for credit repair of business exception list according to the Interim Measures for the Administration of Business Exception List.

3. What are the conditions for administrative punishment of public information credit repair?

According to the relevant provisions of the Interim Measures for the Annual Report of Individual Industrial and Commercial Households, in accordance with the principle of equal punishment and classified treatment, the nature, circumstances and social harmfulness of administrative punishment in different fields are comprehensively considered, and the remedial period and conditions corresponding to the degree of illegality are set to ensure the unity of punishment and education. On the one hand, Article 6 of the Measures stipulates that you can apply for credit repair six months after the expiration of the general administrative punishment information publicity. Information on administrative punishment in the fields of food, medicine and special equipment, which are related to people's health and life safety, can only be applied for credit repair after the expiration of one year, and the punishment for dishonesty can be further increased. At the same time, it is stipulated that the parties can apply for credit repair only after they consciously fulfill their obligations stipulated in the administrative punishment decision and actively eliminate the harmful consequences and adverse effects, so as to encourage the parties who violate the law and break their promises to correct their mistakes and turn over a new leaf. On the other hand, the "Measures" stipulate that before applying for credit repair, "it has not been punished by the market supervision and management department again for similar illegal acts, and it has not been included in the list of business anomalies and the list of serious violations of law and trust", aiming at strengthening credit supervision for the parties who repeatedly punish and commit crimes, and avoiding the abuse of credit repair.

Four. What are the conditions for credit repair of serious illegal and untrustworthy list?

According to the relevant provisions of the Regulations on Publicity of Administrative Punishment Information in Market Supervision and Management, Article 7 of the Measures stipulates that if a party is listed on the list of serious violations of law and dishonesty for one year, he shall consciously fulfill his obligations stipulated in the decision on administrative punishment and actively eliminate the harmful consequences and adverse effects. If he is not severely punished by the market supervision and management department, he can apply for credit repair.

In order to link the administrative punishment measures with the management of the list of serious violations of law and trust, according to the provisions of the Measures and other laws and regulations, the second paragraph of Article 7 of the Measures for the Administration of the List of Serious Violations of Law and Trust in Market Supervision stipulates: "In accordance with the provisions of laws and administrative regulations, those who fail to implement the corresponding management measures within the time limit shall not apply for moving out in advance", thus strengthening the supervision of those who have lost their trust.

In order to facilitate the parties to apply for credit repair, Article 8 of the Measures stipulates that the parties may apply to the market supervision department or through the national enterprise credit information publicity system. At the same time, Article 14 of the Food Safety Law stipulates that the market supervision department may inform the parties by means of paper, e-mail, SMS and Internet. It is convenient for the parties and improves the handling efficiency.

Seven. How to protect the legitimate rights and interests of the parties in credit repair management?

The purpose of credit repair system is to encourage illegal and untrustworthy parties to rebuild their credit and stimulate the vitality of market players. 0030 10 stipulates the following contents in protecting the rights and interests of the parties involved in credit repair: First, it stipulates the acceptance procedures. If it is not accepted, it shall explain the reasons. The second is to clarify the working period. The market supervision department shall complete the credit repair procedure within the prescribed time limit without undue delay. Third, if a party refuses to accept the credit repair decision of the market supervision department, it may apply for administrative reconsideration or bring an administrative lawsuit according to law, and supervise the market supervision department to implement credit repair according to laws and regulations.

Eight. How do all departments cooperate in emergency repair?

Related Questions and Answers: Related Questions and Answers: How to Restore Personal Credit Information? First of all, thank you very much for answering this question here. Let me take you into this question. Now let's discuss it together.

If there is negative information in the personal credit report, it will be deleted from the credit report after a certain number of years. Moreover, as long as individuals are honest and trustworthy in future credit activities, with the passage of time, new good records will gradually refresh and replace old negative records.

Although general credit card overdue repayment must be truthfully recorded in the credit record, even if the amount is small, even if it is 65,438+00 yuan, it will be objectively recorded. However, if the cardholder can repay in time after the deadline, it will also be reflected in the credit record, so the impact on the individual will not be great. However, if it is overdue for more than three to four months, it may be blacklisted or forced to stop the card, which will have a great impact on personal financial services.

If the cardholder has a bad record when using the card, as long as the card has not been cancelled, the bad record will be replaced by later records after two years. Therefore, if you accidentally leave a "stain" when using the card, in addition to paying off the arrears in time, you need to pay back the money carefully and on time when using the card in the future to avoid a bad record again. After two years, the previous bad record will be replaced by the later positive credit record, which will no longer affect the daily life of cardholders.

In addition, because the credit record is an objective record of credit information, there is no subjective evaluation, so whether you apply for a loan because of this bad record depends entirely on the commercial bank, so if the situation is not particularly serious, you can also explain the reasons to the loan bank and remedy it.

Personal credit information records all your past credit behaviors and always grades your personal credit, which directly affects the economic activities in your life.

So how to solve the problem of credit reporting?

First of all, we need to know where the problem of credit reporting lies. Generally speaking, there are four types of credit problems: black, white, excessive and chaotic.

First of all, black

Personal credit reports are tainted and extremely bad in nature.

cause

1、? Overdue? . Generally, it will be judged according to "three consecutive times and six consecutive times", that is to say, if it is overdue for three consecutive times or accumulated for six times within two years, such a credit investigation can be regarded as a credit investigation black.

2、? Too many bad records? . Bad records include: civil judgment records, red light running records, ticket evasion records, motor train smoking records, water fee payment records, telecommunications business records, uncivilized behavior records in tourist attractions, professional qualification records and administrative punishment records.

3、? Being listed as a "faithless person"? . There is a court enforcement record on the credit information, which is included in the list of untrustworthy people, that is, "Lao Lai", and he will not pay back the money.

Credit information whitewashing strategy

1. Pay off the arrears and interest in time.

Lending institutions upload overdue records to the People's Bank of China within a certain period of time, usually once a month. Bank loans usually give a grace period of 1-3 days. Before the overdue records are submitted to the People's Bank of China, voluntary repayment, payment of overdue fees, and finding a lender to explain the reasons will all have the opportunity to eliminate overdue records and prevent them from being uploaded to personal credit information.

2. Issue a "non-malicious overdue certificate"

This measure is generally applicable to bank loans, including bank loans and credit cards. At this point, your bad information has been reported by the bank. Therefore, if you communicate well with the bank, this certificate will show obvious value when you borrow money from other platforms.

3. Ensure a good credit record in the future.

If the previous measures are useless, then after the overdue debts are paid off, they can only be kept overdue in the future.

Under normal circumstances, the bad records on the credit report will be eliminated within five years, provided that the borrower's debts are fully paid off and no new bad records are generated, then a brand-new personal credit report will be published five years later. Except for mortgage loans, most loans only involve credit records within two years.

Note: If the credit card has a bad record of overdue repayment, don't cancel the card immediately, otherwise there is no chance to repair the bad record. We should continue to maintain good consumption habits and repair our credit records before closing our accounts.

4. If the information is fraudulently used or the loan institution's fault leads to overdue, you can submit an "objection application" to the credit information center of the local people's bank. Generally, such bad overdue records can be eliminated within 65,438+05 working days.

Once you become a credit hacker, your normal life will be restricted, your family will be involved and your career will be affected.

Therefore, everyone must always keep in mind the maturity date of each credit and each credit card, and repay credit cards, mortgages, car loans and other loans in full and on time every month; Moderately overdraw within the repayment ability, and don't make ends meet; After personal information such as contact information changes, contact the bank in time and update it to ensure that the bank can contact you as soon as possible in an emergency.

Second, white.

There is no relationship with bank financial institutions and the credit record is blank.

cause

Without credit records, banks or financial institutions can't evaluate users' repayment ability and willingness through their personal credit reports, can't evaluate loan risks, and can't decide whether to approve loans or not. Therefore, these users will be included in the white list of credit information.

White solution strategy of credit information

Provide more information to prove work income and personal financial resources, such as housing, cars, deposits, stocks, bonds or large insurance policies and other related assets. All these can prove the lender's personal economic strength and repayment potential to a certain extent, which is also an important reference data for loan approval. Therefore, providing relevant asset certificates is helpful for credit users to apply for loans.

Third, more.

A large number of loans or credit cards

cause

Even if there is no overdue behavior of loans and credit cards, banks or financial institutions will think that the borrower's debt is too high, and there may even be risks of raising loans with loans and cards with cards.

Multi-processing strategy of credit information

When an individual applies for a loan, the accumulated monthly repayment amount of the debt should not exceed half of the monthly salary. Liabilities include previous mortgage loans or car loans, as well as credit cards, online loans and other debts.

It is suggested that there should be no more than 5 credit cards, and the usage limit of each card should not exceed 80%. It is advisable to spend more and less.

Fourth, chaos.

There are too many credit inquiries and the records are chaotic.

cause

On many loan platforms for credit investigation, the borrower only needs to click on the query, and this record will be displayed on the borrower's personal credit report regardless of whether the repayment is made in the end.

Whether it is my inquiry or institutional inquiry, if you make a successful payment after inquiry, the unsuccessful payment will be rejected by default.

When such inquiry records without the next payment accumulate a lot, the loan platform will think that money is urgently needed recently, and it has failed many times, indicating that something is wrong, so it is difficult to approve the loan application.

Credit Information Flower Cleaning Strategy

1. Use credit card to collect credit information, repay the loan on time every month, and establish a good credit record.

2. Don't apply for online loans and credit cards frequently, otherwise the application will be recorded once.

3. Apply for credit cards from different banks in sequence. Because different banks have different requirements for credit card customers, you can apply for credit cards according to your specific needs, instead of applying once when you meet a card clerk.

4. Before the loan, ask the bank whether the loan requirements and your own conditions are met. Don't try.

5. As far as the number of inquiries is concerned, it is best to make inquiries at most three times a month and ten times a year.

In the process of collection, Bian Xiao, the debtor's guardian, found that many overdue debtors thought of raising loans with loans when faced with loans overdue. It has been heavily in debt, and as a result, loans have accumulated and debts have increased. To make matters worse, those who keep saying that they will help you repay the loan temporarily may have higher interest rates, which will lead them to go further and further on the road of repayment.

The answers to this question shared above are all personal opinions and suggestions. I hope the answer to this question I shared can help everyone.

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Finally, here I am. I wish you all a happy life, good health, a prosperous family and everything, a big fortune every year and a prosperous business. Thank you!