Is the text message sent by Credit China true?

The short message received by the mobile phone is not true, because the credit reporting agency will not take the initiative to send information to the user. The People's Bank of China, for example, has made it clear in official website that it will not inform information individuals by SMS, telephone or email, or inform the blacklist.

Users who owe money often say that they have received short messages from credit reporting agencies and suspect that they have been urged by credit reporting agencies.

Similarly, as a non-governmental organization, people's credit information will not do so. After all, the role of credit reporting agencies is to record information, not to be responsible for the collection task of the platform. Therefore, similar short messages are fake, and users need to distinguish them carefully. Don't make mistakes.

Of course, some platforms or third-party collection agencies, in order to exert psychological pressure on users who owe money, make the other party feel that they have received credit information, so they will send text messages to users in the name of credit information agencies to achieve the expected effect of collection. Although this method is somewhat unreasonable, users who owe money should take the initiative to solve it, and don't always default.

Generally speaking, this situation is false, just a common way in the collection process. Under normal circumstances, credit reporting agencies will not take the initiative to contact information individuals, let alone collect them.

When users log in to official website, the central bank's credit information center, there will be an obvious reminder: the central bank's credit information will not inform the information subject of loans, money or blacklist information by SMS, telephone or email.

The central bank is only responsible for recording users' credit information, and will not contact users actively, nor will it send reminder messages to ask users to repay, as many people think.

Users are advised to mainly consider whether they have received the credit information sent by the central bank, 100 banks or other credit companies, or whether the platform is a means to collect arrears or whether criminals take the opportunity to defraud. If it is the former, it is suggested that you can take the initiative to contact and negotiate repayment. If it is the latter, it can be ignored directly. Never click on the link sent by the other party to make money transactions, it is easy to be deceived and cause financial losses.