Yangcheng Evening News reporter Dai Manman
Can you "fix" bad credit by spending money?
Do not believe it!
June 14 this year is the 15th "Credit Information Records Care Day" in the country. On this day to popularize credit information knowledge to the public, a reporter from the Yangcheng Evening News interviewed industry insiders to get the inside story of "credit information repair" and give advice. How financial consumers can protect their credit information.
Paid "repair" credit?
There are many cases of fraud
The overdue credit card is recorded in the personal credit report, which may affect future loans. What should I do?
Guo Mou from Yongcheng, Henan chose "credit investigation repair".
Guo met Liu through WeChat, Liu learned that Guo wanted to borrow a loan, and lied that he could help Guo clear the credit record of overdue credit cards, and asked Guo to transfer 16,000 yuan to him through WeChat.
The criminal judgment on the case published on the China Judgment Documents Online shows that Liu, for the purpose of illegal possession, fabricated facts, concealed the truth, and defrauded other people's property. The amount was relatively large, and his behavior constituted a crime of fraud.
After the incident, Liu returned 16,000 yuan to Guo.
In the end, Liu was sentenced to eight months in prison, suspended for one year, and fined 5,000 yuan for the crime of fraud.
It is clear that Guo's credit report could not be repaired.
There are not a few similar cases in the online judgment documents.
A few days ago, the first fraud case in Fuzhou, Jiangxi, which used "credit investigation repair" as a fraud method, was put under the hammer in the second instance of the Fuzhou Intermediate People's Court. Wu Moumou was sentenced to ten years in prison and fined 100,000 yuan for the crime of fraud.
The court of first instance held that Wu Moumou used fictitious facts and concealed the truth to defraud others of money for the purpose of illegal possession. The amount was particularly huge, and his behavior constituted the crime of fraud.
After the incident, Wu Moumou can truthfully confess his criminal facts, which is a confession and can be given a lighter punishment according to law.
Therefore, the above judgment was made in accordance with the law.
After the verdict, Wu Moumou refused to accept and appealed to the Fuzhou Intermediate People's Court.
The Fuzhou Intermediate People's Court ruled in accordance with the law after the trial, dismissed the appeal and upheld the original judgment.
Judging from the current public reports, all references to "credit repair" are fraudulent acts under the guise of helping borrowers eliminate bad credit records and repair personal credit.
The People's Bank of China has repeatedly reminded clearly that there is no such thing as "credit repair" in the credit reporting field. Do not trust advertisements or scams such as "scavenging orders" and "whitewashing" in credit reporting, so as to avoid being deceived, property damage and personal information leakage.
Starting from the "credit investigation repair" and "credit investigation whitewashing" scams
With the increasing importance of credit reporting in daily life, personal credit status has become the "economic ID card" of residents.
A good credit record has many benefits, but in economic life, a bad credit report may make it difficult to move.
It is for this reason that false propaganda and fraud routines under the banner of "credit investigation whitewashing" and "credit investigation repair" began to emerge, with the aim of defrauding personal information and funds.
How do ordinary people fall into the "credit repair" and "credit whitewashing" scams?
What are the tricks that scammers use?
Legal professionals and credit reporting industry insiders started these routines.
Judging from the cases disclosed so far, most of the routines are in the name of "credit investigation repair, whitewashing, and shoveling", and they publish advertisements through Internet forums or WeChat and other channels, claiming that spending money can repair the People's Bank of China's credit investigation. Central credit report.
But after charging high fees, most scammers lose contact directly.
There are also some cases showing that some black industry intermediaries instigated financial consumers to make unreasonable complaints with "non-malicious overdue", or used illegal means such as false materials to modify bad information, and refused to refund or directly lost contact after the modification failed.
"(Some people) used forged materials to complain to financial institutions and other means, threatening financial institutions to modify their credit reports and reduce or exempt related debts." Dong Ximiao, a part-time researcher at Fudan University's Financial Research Institute, introduced that no matter what form, the purpose is to violate laws and regulations. , in the name of helping borrowers to "reduce or exempt interest fees", "restructure debts", and "repair credit information", etc., to seek illegitimate benefits; if the purpose is not achieved, the relevant information of the borrower may be transferred and sold.
In the Internet, there are even those who teach "credit repair" related courses in the form of "class teaching", "credit consultation, complaint and even agency", which is also a scam.
"In short, with the words 'credit report repair', basically all fraudulent behaviors can't escape." Some people in the industry specially reminded that if you provide your personal information and credit report to the black industry intermediary, you will not only be defrauded of money, It may also face the danger of personal information being leaked, and even criminals will use the illegally obtained personal information to borrow again.
Related fraud has also attracted the attention of the relevant departments.
On March 16 this year, the General Office of the National Development and Reform Commission issued the "Notice on Focusing on the Special Treatment of "Credit Information Repair" Issues, focusing on rectifying illegal crimes under the guise of "credit investigation repair" and "credit investigation whitewashing". Behavior.
If there are any errors or omissions in the credit report, you can apply for "credit objection"
During the interview, a relevant person from the Guangzhou Branch of the People's Bank of China reiterated that there is no so-called "repair" in the credit reporting system. In fact, the criminals used the information subjects' lack of understanding of credit reporting policies and regulations to deliberately confuse the concept of "credit reporting objection" in order to deceive. means to achieve illegal profit-making purposes.
In fact, credit reporting cannot be "fixed" but needs to be cared for.
How to maintain a good credit history?
The relevant person in charge of the People's Bank of China gives the following suggestions: fill in the information truthfully, and inform the bank to correct it as soon as possible if there is any change; choose the repayment method carefully, record the repayment date, and repay in full on time; properly keep the identity information to prevent identity theft ; Regularly inquire about the credit report, and correct the errors through the credit objection in a timely manner.
Industry insiders also suggest that financial consumers live within their means, not over-indebted, abide by the law, and consciously fulfill their legal obligations.
What should I do if I find that I already have bad credit information in real life?
Industry insiders also supported the move.
The Regulations on the Administration of Credit Reporting Industry stipulates that the retention period for personal bad credit reports by credit reporting agencies shall be five years from the date of termination of the bad behavior or event; if it exceeds five years, it shall be deleted.
During the storage period of bad information, the subject of the information can explain the bad information, and the credit reporting agency shall record it.
"If overdue is found, the repayment should be made up as soon as possible, and a good credit record should be rebuilt; the credit report is only an objective information record, not the only source for the bank to obtain personal credit, nor the only basis for the bank's credit decision-making. Whether you can obtain credit can be consulted. Relevant commercial banks." The People's Bank of China reminded that if you believe that there are errors or omissions in the information in the credit report, you can file an application for a credit investigation objection to the credit reporting agency or the corresponding credit institution, requesting corrections in accordance with the law.
Filing an objection application to a credit reporting agency or information provider is the only way to deal with errors and omissions in credit reports.
It is worth noting that the data modification or deletion of the credit information system must be initiated by the information provider of the business. After strict approval and operation procedures, the credit information system will automatically record the operation process throughout the process.
No institution or individual has the right to modify or delete the true and correct credit records without authorization.
The "Measures for the Administration of Credit Information Business" also clarifies that credit reporting agencies shall not charge fees to information subjects on the grounds that they delete bad information or do not collect bad information.