Personal credit report objection handling process, how to check credit report

Nowadays, people pay more and more attention to personal credit reporting. After all, personal credit reporting directly affects their future life and travel. Once there is a problem with personal credit reporting, it will directly affect their application for loans. Not only will they not be able to apply at regular banks, When it comes to borrowing money, you cannot even apply for a loan on some online loan platforms.

Therefore, if you learn that there is a problem with your personal credit report, you must deal with it in a timely manner. What are the procedures for handling objections to personal credit reports? How to check personal credit report? Let’s introduce it to you in detail.

Personal credit reporting objection handling process

If an individual believes that there are errors or omissions in the information in the credit report, he or she may raise an objection to the credit reporting center or credit reporting sub-center in person or by entrusting an agent. Apply. You can contact the relevant banking institution and ask customer service staff for clarification. If it is true that you are overdue, you should pay more attention in the future and do not overdue again; if it is indeed not overdue and the bank information is wrong, you can go to the bank department to raise objections and request changes.

According to the "Business Procedures for Handling Objections to Personal Credit Reporting in the Basic Financial Credit Information Database": If an individual believes that there are errors or omissions in the information in the credit report, he or she may personally or entrust an agent to report to the credit reporting center or credit reporting agency. The branch center filed an objection application.

How do individuals check their credit information?

1. Online credit information inquiry

Open the Credit Information Center of the People's Bank of China, enter the main page, enter your user name, Password and verification code to complete the login; if you are a new user, click Register and fill in relevant personal information to complete the registration. After registration, log in and enter the novice navigation page. After completing the security level change, you can submit a credit inquiry application. The inquiry results will be It will be displayed after 24 hours. Just log in to the official website of the People's Bank of China again within 24 hours to check.

2. Go to the branch of the People's Bank of China to inquire

For enquiries, you need to bring the original and copy of your personal ID card, and just ask the staff to help us inquire.

3. Rural Commercial Bank Inquiry

Hubei Rural Commercial Bank now provides credit inquiry machines. You can inquire your personal credit by bringing your ID card, or you can inquire through machine prints out. There are many ways to check your credit report. The simplest method is to check online, but the results are slower;

If you are in a hurry and need a credit report, you can go to a branch of the People's Bank of China to check and print it.

The above is the process for handling objections to personal credit reports that I have introduced to you. When people find that there are problems with their personal credit reports, they must report the problems to the bank in a timely manner and consult with customer service personnel for detailed information. Information, after understanding the specific information, be sure to file an objection with the bank and resolve the personal credit report in a timely manner. Of course, I also introduced to you the methods for individuals to check their personal credit information. Since people can use the method I introduced to check their personal credit information before applying for a loan.