Is the credit message 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 users.

Taking the central bank's credit reporting as an example, the official has made it clear that it will not notify information individuals by SMS, telephone, email and other forms, nor will it actively send information to users or inform them that they have been blacklisted, even private credit reporting agencies will not notify them by SMS.

Lenders should remember that credit reporting agencies are only responsible for recording credit information and will not be responsible for collection tasks.

What is a credit report?

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. The Credit Information Center of the People's Bank of China is a specialized institution in China to establish credit files and provide personal credit information for commercial banks.

Credit investigation can prevent credit risks: credit investigation can prevent credit risks and reduce transaction risks caused by user information errors; Personal credit report is an important information for the loan platform to measure the qualifications of borrowers. Credit investigation has solved the bottleneck restricting credit transaction and promoted the realization of credit transaction.

Personal credit report

Personal credit information is recorded in the personal credit report, which mainly includes personal basic information and credit information (whether there are bank loans and credit card overdue overdraft records, etc.). ) and non-bank information (water, electricity and other public utilities payment information, tax arrears, civil judgments, etc. ). This information will affect individuals' lending behavior in financial institutions. For example, when a bank handles a personal mortgage, it needs to read a credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even get loans. It can be said that the personal credit report is an individual's economic identity card.