Is it true that I received a text message from the credit information center?

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.

Take the People's Bank of China as an example, the government has made it clear that it will not inform the information individuals by SMS, telephone or email. , and will not take the initiative to send information to users, or inform users that they are blacklisted. Even private credit reporting agencies don't send SMS notifications.

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.

There are three ways to eliminate personal bad credit records.

Bad credit report caused by false information

This situation is mainly because there is something wrong with the registered personal information, and the information filled in is not true with the actual situation, such as age, marital status, personal education and other information. Once found, you can go to the credit information center of the local central bank to file an objection application. Generally, you can get a reply within 15 working days.

Bad credit reporting caused by fake loans.

If you find yourself burdened with loans for no reason, find the loan bank, communicate with it as soon as possible, and actively negotiate with the bank after reflecting the situation. If the situation is serious, you can report it to the public security organ and ask the bank to bear the corresponding legal responsibility caused by "lax review"

Bad credit caused by overdue

If the bad credit caused by overdue is not serious, you can still get some loans. However, in order to eliminate the bad records in the credit report, in addition to actively paying off overdue debts, interest and handling fees, we should also maintain good consumption and repayment habits. After five years, bad credit records will be automatically eliminated.