What should I do if my personal credit authorization is cheated?

Personal credit report inquiry power of attorney cannot be easily signed.

Yesterday, Miss Wang (a pseudonym), a customer of a large state-owned bank, received a short message asking her to sign a personal credit authorization letter at the bank's outlets. In this regard, the reporter contacted the bank involved, and the relevant person said that the central bank's credit information system began trial operation in August 2005, and there was no relevant management authorization before. Therefore, banks must now uniformly notify those who apply for credit cards or loans before June 5438+February 2005, and sign authorization letters at outlets in batches.

As a matter of fact, when a customer handles a loan business, the bank must check his personal credit report, but he must sign a power of attorney with the customer in advance to check his personal credit. Experts suggest that the power of attorney for personal credit report inquiry cannot be easily signed unless there is related business in the bank. In order to protect personal privacy, it is best for individuals to check their personal credit reports regularly.

When it comes to credit reporting, people can't help but be linked with the security of personal data. However, Miss Wang (a pseudonym), a customer of a large state-owned bank, received a short message that surprised her very much yesterday. There are many people who have received the same short message, and they are all asked to go to the bank to sign a power of attorney to check their personal credit report. However, experts suggest that in order to protect privacy, the power of attorney for personal credit report inquiry cannot be easily signed.

If there is no loan business, don't sign it.

Yesterday, Miss Wang received a short message: "In order to implement the Regulations on the Administration of Credit Information Industry ... to ensure that you can know your credit status in time ... please bring your ID card to any branch of our bank to sign your personal credit authorization. For details, please consult the branches of our bank [XX Bank]. "

Miss Wang said that she did have a credit card of the bank, but it has been in operation for a long time and has been used normally. I haven't applied for a loan recently. I don't understand why I suddenly received this message. "I called the bank's customer service phone to ask, and the other party said that this situation is not only me, but many people have been told. The specific reason let me go to the bank outlet to ask. "

It is generally understood in the industry that for banks, when a customer handles a loan business, the bank must check his personal credit report, but before the inquiry, the bank must sign a power of attorney with the customer to inquire about personal credit, and the relevant regulatory authorities will also check whether the bank has signed a power of attorney.

Mr. Li, an insider, told the reporter that in this incident, whether Miss Wang had handled personal loans, credit cards and other loan businesses in the bank before was the key to the problem. "If the bank wants the customer to sign the power of attorney now, it is likely that it has not been signed before and needs to be re-signed, but the customer has not handled any business, so it should not be signed."

Because the personal credit report contains a lot of personal privacy information, the central bank has strict regulations on the inquiry management of institutions in order to prevent the disclosure of personal information. "The personal credit report must have a power of attorney for the record, otherwise the bank staff cannot inquire without authorization." Mr. Li said.

Personal credit information should be inquired regularly.

In addition to marital status, the contents of the new personal credit report mainly include "credit records", "official records" and "inquiry records", including the number of outstanding credit card cancellation accounts, overdue accounts and other loan records. Experts suggest, "Sometimes people in banks use customer information to handle cards privately or their ID cards are stolen. If the bank inquires about the credit, it will be recorded, so it is best to check the personal credit report regularly. Unless you are doing related business, don't just sign the authorization letter to inquire about the credit report. "