Can dishonest people "clean up" by spending money?
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In recent years, some criminals have taken advantage of the eagerness of some credit entities to eliminate bad credit records, and defrauded them in the name of "credit repair, whitewashing, and shoveling", "credit objection, complaint, consultation, and agency".
This not only disrupted the country's financial and economic order, but also caused serious violations of personal information.
"Overdue credit, one-time processing is applicable for life! Credit cards, mortgages, car loans, online loans, and consumer loans can all be processed overdue and permanently eliminated!" In the publicity of some institutions, traces of dishonesty can be easily erased.
As "making it difficult for the untrustworthy" gradually became a reality, some people started a "business" of eliminating bad credit records.
However, can traces of dishonesty really be wiped out with money?
"Workers Daily" reporter launched an investigation.
It can't be achieved by "human affection"
"Remove overdue records of credit investigation, no fee will be charged", "Don't panic about overdue repayment, use this method to easily get it done"... The reporter searched the Internet with keywords such as "overdue credit investigation" and "credit investigation repair", and found many similar advertisements .
The reporter contacted several agencies that claim to be able to "repair credit reports", and some agencies said, "There used to be this business, but now due to stricter supervision, it is no longer possible to receive orders"; some agencies still promise to deal with overdue credit reports , "It is more troublesome for credit cards to be overdue. The bank reports a record every month, and the price of eliminating one is about 1,000 yuan. It is cheaper to deal with overdue loans on the Internet. For specific charges, you need to provide a credit report first."
If the entrusting agency helps "repair credit information", it is also necessary to provide the bank card number, the front and back of the ID card copy, and hand over the real-name mobile phone card to the agency for use.
In this regard, the agency's explanation is: "We will have someone special to help you answer bank calls."
Xiao Chunhai, an associate professor at the School of Finance of Zhongnan University of Economics and Law, said that the routines of these institutions can be basically divided into two categories: one is to fabricate reasons, forging relevant materials and official seals to file an application for objection to the bank, and if the bank refuses, it will be further harassing and entanglement ; The other is to charge tuition fees in the name of joining and training.
He emphasized that some institutions will claim to have close relations with bank executives, but modifying credit information not only has a very standardized process within the bank, but also is strictly supervised by financial regulators, which can never be achieved by "human affection".
In the interview, an agency admitted that the method used was fabricated reasons, but insisted that "the operating procedures are formal and legal."
In this regard, Wang Weikun, a lawyer from Beijing Dongwei Law Firm, reminded that the so-called "regular and legal" is just a set of rhetoric used to deceive credit subjects, making them fall into a wrong understanding and facilitate deception.
In a typical case recently announced by the Chongqing Operation Management Department of the People's Bank of China, Yang, out of concern about the overdue credit card record making it impossible to get a loan to buy a house, found Zhu, an intermediary engaged in "credit repair", who instigated Yang to use "" He applied for an objection to credit reporting on the grounds that he lost his source of income due to the impact of the epidemic, and submitted false materials to the financial institution. The financial institution found abnormalities during the verification process. In the end, Yang was sentenced to a fine of forgery of a corporate certificate to modify his personal bank’s bad credit record. Administrative detention penalty.
Credit entities eager to eliminate bad credit records
On May 9 this year, a woman in Lanzhou, Gansu Province received a call from a customer service claiming to be a financial company, and she was induced to download a loan app and borrow a loan on the grounds that she had bad credit records that needed to be eliminated. After transferring about 130,000 yuan to the account provided by the other party, he realized that he had been deceived and called the police.
The Anti-Fraud Center of Gansu Province has recently issued an important warning on the "credit repair" fraud. Anyone who claims to be customer service providers of loan platforms or financial companies to eliminate bad credit records is a fraud!
In response to the phenomenon of "credit repair" fraud, Xiao Chunhai analyzed that, from an objective point of view, on the one hand, in order to encourage enterprises to correct deviations while punishing, relevant regulations allow enterprises to "credit repair" for dishonest behavior, and some institutions deliberately confuse "credit repair". On the other hand, in order to strengthen financial support for epidemic prevention and control, specific groups affected by the epidemic can apply for adjustment of overdue credit information records, and institutions use this to “take advantage of loopholes” , fabricating relevant reasons to raise objections to credit reporting.
“Subjects with bad credit records may be rejected by banks or be required to pay higher interest when applying for credit cards, mortgage loans for house purchases, and other consumer or business loans, and may also be rejected or asked to pay higher interest when cooperating with other entities. They are required to provide guarantees and pay the price in advance.” Zhai Jiguang, a professor at the School of Civil, Commercial and Economic Law of China University of Political Science and Law, believes that criminals are using the urgency of some credit subjects to eliminate bad credit records.
Multi-department joint efforts to combat
"Credit is the basis for the healthy operation of the market economy." Zhai Jiguang said that people are paying more and more attention to personal credit reporting, which shows that my country has made important progress in the construction of the credit system, and a benign ecosystem of the credit reporting system is gradually taking shape.
However, "credit repair" has repeatedly impacted the credibility of credit management.
Xiao Chunhai believes that this "systematic" appeal not only greatly increases the operational load of banks and regulatory agencies, disrupts the economic and financial order, but also wastes public law enforcement and judicial resources.
For individuals, Xiao Chunhai said that it is very dangerous to expose sensitive information to institutions, and it does not rule out the possibility that the other party will use personal information to defraud loans, falsely register companies, sell and even launder money after applying for bank cards.
Therefore, credit subjects must enhance their awareness of personal information protection.
At present, many places across the country are carrying out special governance actions on the issue of "credit information repair", and multiple departments are working together to crack down on illegal acts involving "credit information repair".
Xiao Chunhai reminded that the best way to deal with overdue credit records is to repay in a timely manner, and the bad credit records will be deleted 5 years after the bad behavior or event is terminated.
If you do have any objection to the record, try your best to appeal by yourself. If you don’t understand, you can consult the relevant department first. Be alert to the “credit repair” agencies that are obtained by searching or popping up in a pop-up window.
"The Regulations on the Administration of the Credit Information Industry has stipulated the ways to correct the credit information information. Applying for a credit information objection is completely free, and anyone who charges a high fee is a fraud. Just keep in mind that the only way to correct the credit information information is to raise a credit information objection. , it is natural to distinguish a scam." Wang Weikun said.
Shi Lanna
Shi Lanna