The "credit repair" scam is full of tricks and tricks.
Subsequently, this institution initiated a complaint in the name of Teacher Zhang. After receiving the complaint, Tianmen Sub-branch of China People's Bank asked Mr. Zhang to verify it on the spot, and then learned the truth. "We told him that this would not only waste money, but also reveal personal privacy information. If this organization uses his mobile phone card for telecom fraud, money laundering, fake online loans, etc. It may also involve. Teacher Zhang dropped the lawsuit after knowing that he was cheated. " China People's Bank Tianmen Sub-branch staff said.
Wuhan Anti-Fraud Center and Wuhan Branch of China People's Bank recently jointly exposed five common "credit repair" scams. In addition to the fraud against ordinary untrustworthy subjects, there are also fraud against untrustworthy groups such as entrepreneurs and employment groups, fraud against entrepreneurs' credit joining agents, fraud against online shopping groups' abnormal accounts and loan cancellation, and impersonating customer service personnel or financial institution staff.
According to industry insiders, in addition, there are two kinds of scams that are more common: First, they claim that they can lend money quickly. After the parties take the bait, they are required to pay the "credit repair" fee on the grounds of bad credit records; Second, it is claimed that as long as a certain fee is paid, it can help the parties to eliminate the loan record of online loans. The principal and interest do not need to be repaid, nor will they be collected or prosecuted.
Tang Dexin, deputy director of the credit management department of Wuhan Branch of the People's Bank of China, said that individuals and enterprises such as credit cards or loans overdue, non-performance of guarantee obligations, and dishonesty will have bad credit information records. Correcting bad credit records will not be deleted or changed. The essence of the "credit repair" scam is that criminals use the ignorance of the information subject to credit policies and regulations, deliberately confuse the concept of credit objection and mislead, so as to achieve the purpose of cheating and making illegal profits.
Screenshot of advertisement of "Credit Repair" organization soliciting business online.
There are channels for handling objections, and no intermediary is needed.
In fact, if an individual thinks that the information in his credit report is wrong, he has the right to raise an objection to the credit reporting agency. Credit reporting agencies or banks need to check and handle, and mistakes will be corrected in time.
Tang Dexin said that the information needed to raise a credit objection is not complicated. Individuals can handle it with valid identity documents, corporate legal persons themselves or by entrusting others with business licenses. "There is no need to go through an intermediary to raise a credit objection, and there is no charge." He said.
0030 10 stipulates that if the information subject thinks that the information collected, stored and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction. After receiving the objection, the credit reporting agency or information provider shall check the objection information, and if any error or omission is found, it shall be corrected.
Tang Dexin said that the essence of credit information objection is "error correction", that is, the correction or supplement of wrong or missing data, rather than the credit remodeling after "breaking faith". Neither the credit reporting agency nor the information providers such as commercial banks can modify or delete the correct credit information in the credit reporting.
The picture shows the credit information service counter located in Wuhan citizens' homes, which can accept credit information objection applications. (Image provided by the interviewee)
Blocking the "Side Door" and Opening the "Front Door" to Protect the Honest Society
Many people from banks and regulatory authorities suggested that relevant departments should strengthen cooperation, strictly control and clean up all kinds of "credit repair" false advertisements on the Internet, increase the crackdown on criminals and increase the illegal cost.
At the same time, stop "s"
"The first thing is to protect yourself." A number of professionals said that for individuals and enterprises, first of all, we should reasonably debt, live within our means, strictly abide by the relevant provisions of loan management, and repay in time according to the repayment time and amount agreed in the loan contract. In particular, we should take good care of sensitive information such as our identity documents, online banking and mobile banking to prevent inexplicable loans.
If there are objective and true bad information records in the credit report, it is necessary to rebuild the credit in time. "After bad information appears, you should repay it in time, stop bad behavior, pay attention to repayment on time, avoid overdue and maintain a good credit record." Tang Dexin said that if there are special circumstances that cause bad information, you can apply for a bad information statement. During the storage period, the credit reporting agency will record it.
Related Q&A: Related Q&A: Where can I get a loan if I spend money on credit investigation? Thank you for inviting me!
Credit investigation is the only way for banks to know about our debts, because now it is a credit society, and credit loans are mostly used for loans, which has become an indispensable part of daily life. You said that the credit investigation was spent. What kind is it? Is it overdue? Or did you apply for a loan in a short time? Or is it caused by frequent use of online loans?
I will answer your question from two aspects:
If you want to make long-term plans, I suggest you protect your credit information and don't apply for online loans in the near future. First, go to relatives and friends to make a turnover. After three months, the credit situation has improved, and then consider the loan. In this way, the probability of the next payment is high and the amount is relatively large. Try not to use Z-link, MS Finance or loan. It is easy to spend the credit information with the last credit information, and hundreds of them are all on credit information. Remember!
If you plan to take online loans in the short term, don't think about it, it will only get worse. There will be some private small loan companies in our local area, and the interest may be higher. As long as you can provide proof of assets (including house books, car books, wealth management products, valuables, etc.). ), the loan is almost a breeze.
When banks lend money, they must think more about how to collect money! Therefore, personal comprehensive scores are very important. Whether it is a credit card or an online loan, it is icing on the cake, and it will never be a gift in the snow! Finally, I advise my brother never to support a loan with a loan, which won't last long. Finally, there will be more and more debts.
I hope my answer can help you!