How to apply for repairing personal credit information?
1 If there is an error in the credit record, the individual can raise an objection to the lending institution or the credit center and ask for correction.
2. If the applicant refuses to accept the objection handling result, he may initiate an administrative complaint to the Credit Management Department of the People's Bank of China or the Financial Consumer Rights Protection Department. In addition, the credit objection supports entrusting others to handle it, and the agent must bring the original and photocopy of the valid identity documents of the principal and the agent, and the original power of attorney.
If there is no error in the credit record, but there is a bad credit record that needs to be repaired, the application for objection is not supported. According to Article 16 of the Regulations on the Administration of Credit Information Industry, "the retention period of personal bad information by credit information institutions is 5 years from the date of termination of bad behavior or events. If it has been more than 5 years, it should be deleted. " If there is a bad credit record, it will be five years before it can be deleted by the credit center.
The above is the answer to "how to apply for repairing personal credit information", I hope it will help you. If you have any questions, you can call customer service. Please note that this phone only provides personal objection handling process consultation service, and does not provide credit repair service.