What should I do if I have credit problems? Introduction to the complete objection handling process for credit reporting!

The credit report is now a very important financial document and is required to handle many businesses, so it must be kept in good condition. If the user finds that there is a problem with the credit report and it is not caused by himself, he can raise an objection and wait for the bank to process it.

1. Bank positions and responsibilities. All major banks will set up dedicated personnel to handle credit objections, mainly as follows: Objection handling personnel. Mainly responsible for responding to and reviewing objection information on personal loans and credit cards, and can accept, assist in checking, reviewing, contacting, etc.

2. Credit Objection Handling Process 1. Each person has 2 free credit inquiries per year If you find any abnormality in your credit report, you can submit an objection application to the business agency in writing or by phone by yourself or by entrusting others to do so. You can also submit an objection application to the local credit management department or credit sub-center. Written objection application. 2. Objection acceptance situations include the following: The user's personal information has been used by others without his/her knowledge, and the user has applied for a loan or credit card and needs to provide valid materials for verification. The user deposited the repayment amount on time, but due to the banking institution's system, network, machine failure and other reasons, the user's funds were not credited in time, resulting in overdue payment. Institutional account managers did not understand the attributes of the product and made mistakes due to reasons such as delays in repayment by users. Other bad records or other abnormalities in the user's credit report caused by banking institutions.

3. Objection handling time 1. The storage period of objection handling related materials is 5 years from the date of acceptance. 2. The objection processing time is about 20 working days, and the result will be returned to the user.