Can personal credit reporting be repaired?

A credit report is a personal credit information record released by the Credit Information Center of the People's Bank of China, which is used to inquire about the social credit of individuals or enterprises. If a person's credit card is not repaid in time, or there are tax arrears records, enforcement records, telecom arrears records, etc. Personal credit report may show that it will be affected when handling credit.

As a result, some advertisements claiming to "repair personal credit reports" appeared on the Internet. "A 1 yuan to 2 yuan. If the repair is unsuccessful, you can get a refund. " Can credit records really be "repaired"? What are the risks?

some organizations claim that they can repair credit information.

the cost ranges from several thousand yuan to ten thousand yuan.

Zhejiang obligatory credit repair company publicizes its business scope on its website.

how long will it take to conduct a credit inquiry successfully? Mr. Liu, a salesperson, claimed that it would take about 25 to 6 working days. "Five or six articles like you are relatively simple to operate. Because the bank will determine the nature of overdue, if it is overdue continuously, it will say something is wrong. If there are complaints when dealing with banks, it will be easier to operate. "

This company promises on its website that if a piece of information on a publicity platform is not successfully repaired, the cost of repairing this information will not be charged or refunded!

Insiders: Normal personal credit record complaints

don't need to go through third-party companies

How do these credit repair agencies work? Ms. Ji, a financial person familiar with bank credit management, said that if it is a normal personal credit record complaint, there is no need to go through a third-party company at all.

"customers can actually apply directly to the bank for overdue complaints. The People's Bank of China also clearly stipulates that overdue credit repair meets several conditions, such as system information input error or customer personal information being stolen. You can contact the bank directly through official channels to repair it. "

Ms. Ji said that there are some regulations for enterprises to get rid of difficulties during the current epidemic. For example, some enterprises can also apply to the bank for loan repayment extension and credit record objection application because of the poor epidemic situation.

in Ms. Ji's view, the so-called credit repair institutions in society can only be regarded as the agency for handling credit objections at best. Because personal or corporate credit investigation is a very serious matter, even after the internal approval of the bank, the bank needs to contact the local people's bank and then apply to the people's bank for approval. "It is unlikely that the whole link will be completely illegal. Third-party institutions like this are handled in batches. If they frequently complain to the People's Bank of China, the People's Bank of China will also pay attention. "

Bank: There is no so-called "credit repair" in the field of credit investigation.

the "credit repair" of charging is a scam.

In fact, there are essential differences between credit repair and credit objection. Credit information objection is essentially a kind of error correction mechanism, which is different from the repair of rebuilding credit after "breaking promise"

On December 22nd last year, Tianjin Branch of the People's Bank of China issued "Tips on Preventing Credit Information Repair and Credit Information Cleaning Risks". It is mentioned that there is no so-called "credit repair" and "credit whitewashing" in the field of credit investigation. "Credit repair" is actually "taking the opportunity to make profits", which seriously disrupts the credit market order and harms the construction of social credit environment.

Risk warning issued by the central bank

Zhao Zhanling, a researcher at the Intellectual Property Center of China University of Political Science and Law, said that it is precisely because of the large market demand that there are a large number of credit investigation and repair institutions in the market. The proliferation of similar illegal organizations has damaged the social credit system and the punishment needs to be increased. "If it is achieved by other individuals or so-called companies through illegal means, this practice itself is illegal and there is a black zone." Related Q&A: Which bank should I go to for a credit report? Branches of the People's Bank of China and some commercial bank outlets can print credit report. 1. Specifically, firstly, the self-service inquiry machines set up by the People's Bank of China Branch and the People's Bank of China in its branches and some commercial bank outlets are used for inquiry and printing. The second is to go to the relevant bank outlets to inquire and print through the bank self-service teller machine. 2. The credit report cannot be printed in any bank. To print a credit report, you usually go to your local credit center. However, commercial banks in some areas have been authorized by the People's Bank of China, and their outlets also provide self-service printing credit information service. Users can also print credit reports at these bank outlets. However, it is best to print the credit report directly to the local branch of China People's Bank. At present, the formal and effective housing loan and business credit report must be printed in the Credit Information Center of China People's Bank. Any other third-party query, export and printing are useless. In addition, if you want to inquire about the credit report, there are two channels: on-site inquiry by the local branch of the People's Bank of China; Log in to the Credit Information Center official website; The second is the electronic version of the credit report. Many banks need a complete version of the detailed report issued by the bank in the past five years, so they need to go to the Credit Information Sub-center of China People's Bank before printing. First, check your local credit center at the Credit Center of the People's Bank of China. 1. When you arrive at the Credit Center of the People's Bank of China, please explain your intention to the counter staff, who will assist in printing. Or users can print on the self-service inquiry machine. Credit information centers are generally equipped with self-service inquiry machines. Users can query personal credit information or print credit reports with their ID cards. What behaviors will lead to problems in credit reporting? In addition to our daily common behaviors such as overdue loans, there are also some situations that will cause damage to personal credit information. The report shows that it may appear in the report if I suffer from tax, civil judgment, execution, administrative disposal or telecommunication delay. This means that future public fees, gas or fixed line fees and guarantees provided to third parties who fail to repay loans within the due date will be delayed in the bad credit record. 2. Personal credit investigation is an intuitive display of personal credit. It not only affects whether you can get a bank loan or apply for a credit card smoothly, but also affects whether you can study abroad, even by plane, ship and other means of transportation. As you can imagine, personal credit has been involved in all aspects of our lives, so in the era of universal credit, we must maintain good credit and avoid problems in personal credit reporting. Personal credit reports are generally queried and printed on the self-service inquiry machine of the People's Bank of China. Many bank outlets will set up self-service inquiry machines for personal credit reports. If you need to print, you need to bring your ID card and mobile phone, and you can only print it yourself, not on your behalf. When a general customer enters the bank, the lobby manager will come up and ask you what business you need to handle. If you say that you want to print the credit report, the lobby manager will guide you to the self-service printer and teach you how to operate it step by step. This process will also be very simple. Just follow the prompts.