Xinhua News Agency, Shanghai, February 26 (Reporter You Zhixin) With the continuous expansion of credit reporting applications, false propaganda and fraudulent routines such as "credit reporting repair" and "credit reporting whitewashing" emerge in an endless stream. The Shanghai Headquarters of the People's Bank of China issued a reminder recently. , emphasizing that "credit repair" is not credible.
"When some financial consumers go to the bank to handle loans, credit cards, etc., they find that there are many overdue records on the credit report, which affects the approval of banking business, so they find illegal intermediaries and try to modify the overdue records. Money running away not only damages the economic interests of financial consumers, but also leads to the leakage of sensitive personal information, and may even lead to legal risks." A person from the Shanghai headquarters of the People's Bank of China introduced to reporters that there are currently three main routines for "credit repair".
One is to run away after charging high fees.
This type of scam takes advantage of the public's eagerness to eliminate bad credit records and misunderstandings about the concept of "credit repair", and publishes advertisements, handles business in the name of "credit repair, whitewashing, shoveling", "agent, consultation", etc., instigating The information subject uses "non-malicious overdue", "force majeure" and other reasons to forge evidence materials to make a complaint, and takes the opportunity to charge high agency fees.
The second is credit reporting training and franchise fraud.
This type of scam, on the grounds that the credit information market is in high demand and promising, falsely claims to teach "credit information repair" skills to hold training courses, and widely develops offline through recruiting students, joining agents, etc., and defrauding franchise fees.
The core content of the so-called training is to teach people to deceive financial institutions by forging evidence in an attempt to delete overdue records.
The third is to defraud personal sensitive information.
In the process of "credit investigation repair", such scams require the information subject to provide personal sensitive information such as identity documents, bank card numbers, contact information, etc. The criminals make profits by leaking and trading personal information, and even use this information to impersonate online loans and defraud them. High loan interest, endanger the personal and property safety of the information subject.
"There is no such thing as 'repair' and 'whitewashing' in the field of credit reporting. All claims to be legitimate and charged for 'credit reporting repair' are scams, and no one has the right to delete or modify credit records at will." The Shanghai Headquarters of the People's Bank of China Relevant persons emphasized, "Even if there is an overdue record, don't panic too much. On the one hand, the overdue record on the personal credit report will be kept for 5 years after the arrears and interest are paid off, and will not accompany you for life; When doing loan approval, a comprehensive study and judgment will be carried out, and the credit report will not be used as the only reference. In addition, the explanation and explanation of the overdue can also be explained by issuing a personal statement, and the personal credit report will be recorded truthfully.”