Is the personal credit report of thousand yuan repair credible?
Some banks said: "credit repair" is a scam
● In the era of big data, some institutions or individuals, driven by commercial interests, take advantage of the information gap between banks and credit reporting entities to confuse the concepts of credit reporting objections and credit restoration, and use “credit reporting whitewashing” and “credit reporting restoration” as gimmicks , forming a gray industry chain integrating credit repair training, franchise agency, and personal information sales
● The credit objection is essentially an error correction mechanism for "correcting mistakes", which is different from the repairs carried out to reshape credit after "broken trust".
There is no such thing as "credit repair" in the field of credit reporting, and all "credit repairs" that claim to be legal, commercial, and charged are scams
● The so-called credit repair agencies actually force financial institutions to make concessions by means of illegal and malicious complaints. If this method succeeds, it will lead to distortion of credit records and affect the objectivity, independence and authenticity of the entire credit reporting system.
□ Our reporter Zhao Li
□ Yang Yinan, an intern of our newspaper
"The repair price of a personal credit report is 1,000 yuan to 2,000 yuan. If the repair is unsuccessful, you can get a refund." When you are worried about overdue information on your credit report, someone just happens to advertise such a propaganda, you will believe it ?
In the era of big data, some institutions or individuals, driven by commercial interests, take advantage of the information gap between banks and credit reporting entities to confuse the concepts of credit reporting objections and credit restoration, and use "credit reporting whitewashing" and "credit reporting restoration" as gimmicks. Form a gray industry chain that integrates credit repair training, franchise agency, and personal information sales.
So, how does the credit repair agency operate? Can the credit report be changed by applying for an objection to the bank? Are there any illegal acts in it, and will it affect individuals and companies?
Around these issues, a reporter from the "Rules of Law Daily" recently launched an investigation.
Opposition application
Compiling reasons for sympathy
A credit report is a record of personal credit information issued by the Credit Information Center of the People's Bank of China, including basic personal information, credit transaction information, and other information.
The credit report can reflect the basic situation of personal and corporate social credit, so it is widely used in many fields such as commercial bank loans, applying for credit cards, further education and employment, and high consumption.
Since the credit report is issued by the Credit Information Center of the People's Bank of China, its results are immutable and authoritative.
According to the Regulations on the Administration of Credit Information Industry, when the information subject believes that there are errors or omissions in the information collected, stored or provided by the credit reporting agency, they have the right to raise an objection to the credit reporting agency or the information provider and request correction.
The importance of credit reporting has made some people see the "business opportunities" in it.
When reporters enter keywords such as "credit repair" and "credit repair" on the search platform, they can find a group of credit reporting companies that claim to be able to help individuals and enterprises repair their credit.
The reporter called a number of credit reporting companies, and these companies agreed that the credit reporting repair is not by simply tampering with the credit reporting report, but by applying for objections to the bank. After the review, the bank will make changes within the bank.
Therefore, the so-called "credit repair" is actually an application for a credit objection.
According to the customer service staff of a credit repair company in Ganzhou, Jiangxi, the company uses a lawyer to appeal to the bank to revoke the overdue records in the report. Customers can also find a lawyer to appeal, but there is only one chance.
The customer service staff said that as long as there is no overdue for three consecutive times, and the total number does not exceed six times, in fact, there is no need to repair it, and it will not affect subsequent loans.
When confirming that the reporter said that the credit card will be overdue for 3 consecutive months in 2021, the customer service staff said that he should read the credit report first and hand it over to the relevant personnel of the company for evaluation. , can be repaired.
Some banks will cost 1,800 yuan to revoke an overdue record, while others will only need 1,000 yuan, and if it is an overdue enterprise credit repair, it will cost 10,000 yuan.
"The price is set according to the difficulty of the bank's operation, and the appeal process of the enterprise is more complicated. The lawyer needs to take a temporary post in the client company and be stationed for 3 months, so the price is relatively high on behalf of the company and the bank." The above-mentioned customer service staff explained Dao, credit repair is like a lawsuit. We have lawyers to help customers and banks to appeal, find various reasons to explain to the bank the reasons for the customer's overdue repayment, and try to be as harsh as possible, and then see if the bank will agree to withdraw.
A credit reporting company in Sichuan charges a higher price, 2,000 yuan per overdue record for individuals, and 20,000 yuan for enterprises.
"In fact, what we do is mainly about credit reporting related knowledge training. You can learn it if you want to pay." The customer service of the credit reporting company said.
It is worth noting that the customer service staff of a credit reporting company in Ganzhou repeatedly confirmed to reporters whether there were malicious arrears such as insulting the bank customer service staff or refusing to repay when they received overdue calls or text messages from the bank.
He said that he had encountered a case before, where a customer scolded the bank's customer service, and when the appeal application was submitted, the bank directly took out the phone recording to prove it, and directly rejected the appeal application. In this case, it cannot be revoked.
Regarding the repair process, the customer service said that they only need to give them the phone card bound to the bank card with overdue repayment, and the company will find a lawyer to connect the customer with the bank according to the customer's gender. They are responsible for the whole process, and the customer only needs to provide the corresponding Documents to prove that you need to sign when you can go to the bank for processing.
How do you write your reasons?
The reporter learned that trying to win the sympathy of the bank is the "key".
"For example, when your credit card repayment is overdue because of unemployment, it can be said that the company has closed down because of the epidemic, and there is no salary and no money after unemployment," the customer service said.
According to the customer service staff of a credit reporting company in Ganzhou, as long as the customer has not scolded the bank customer service or expressed malicious overdue, the repair can basically be successful.
Only when it is determined that the credit report needs to be repaired after the initial review, the contract will be signed with the customer; if the repair is unsuccessful, a full refund can be made.
And if the customer "pulls the head", he can also get a 10% rebate.
Credit repair is a scam
Hidden scams behind the scenes
In order to further verify whether the process introduced by the credit company can successfully cancel the credit report record, the reporter contacted the credit card customer service of a bank.
"Is it possible to appeal on the grounds of unemployment?" the reporter asked.
"Except for special circumstances, applications that are overdue due to personal reasons cannot pass the application." The bank's credit card customer service replied that, for example, a previous customer was ill during the epidemic, which was a force majeure, and eventually the customer's overdue record was revoked.
According to Mr. Yang, an employee of a bank in Changchun, Jilin Province, if the bank wants to revoke the overdue credit record, it will definitely investigate the actual situation of the customer in an all-round way. As for the reasons and supporting materials submitted by the customer, the bank will also check repeatedly.
If the material is found to be fake, the consequences will be more serious.
Mr. Yang mentioned that in the process of entrusting credit investigation and repair companies to handle credit investigation appeals, there is still the risk of online fraud for customers who handle credit investigation repairs. These so-called credit repair companies have run away, who should they ask for money?"
Zhao Zhanzhan, a special researcher at the Intellectual Property Research Center of China University of Political Science and Law, said that if the credit repair company uses illegal methods, such as collusion with the bank's internal staff, to raise false objections and the bank repairs it, it is an illegal act.
"If it is a legal civil agency, it is not illegal to file an objection and complaint in accordance with the "Regulations on the Administration of the Credit Information Industry", but if the entrusted entity does not have the qualifications for credit reporting business, it is not illegal to repair the credit report, clean up the credit report, and shovel overdue orders. False propaganda under the guise, and illegal complaints through forging bank records, tampering with data information, fabricating force majeure events, etc., will not only face civil liability and administrative penalties, but also may touch the corresponding crimes such as "fraud" in the criminal law and bear criminal responsibility. " Zhao Zhan said.
Recently, the relevant person in charge of the Credit Information Management Office of the Chongqing Business Management Department of the People's Bank of China stated that, according to the "Regulations on the Administration of Credit Information Industry", credit reporting agencies should take reasonable measures to ensure the accuracy of the information they provide, whether it is a credit reporting agency or a credit reporting agency. Information providers such as commercial banks have no right to change or delete the credit information correctly displayed in the credit report at will.
There is no such thing as "credit repair" in the field of credit reporting. All "credit repairs" that claim to be legal, commercial, and charged are scams.
damage the social integrity system
Punishment needs to be increased
In the interview, some customer service staff of credit repair companies said that according to Article 25 of Chapter 4 of the "Credit Investigation Management Regulations", every citizen can appeal for reconsideration of his bad overdue records, so the company's operations are legal Compliance, customers only need to provide the required information, and they will handle it later.
In fact, the reporter found that the content of the above-mentioned customer service was significantly different from the specific expression of the "Credit Information Industry Management Regulations".
"There is no concept of 'credit reporting repair' in the credit reporting system. The claim on the Internet that personal credit reporting can be repaired is false propaganda. The essence is to deliberately confuse the difference between it and the credit reporting objection, making the information subject mistakenly think that it can be changed at will. Or delete the credit information." said the relevant person in charge of the Credit Information Management Office of the Chongqing Business Management Department of the People's Bank of China.
In this regard, Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance, Chinese Academy of Social Sciences, further explained that there is a big difference between credit investigation restoration and credit investigation objection.
Credit investigation repair is a statement in the industry chain, or even a violation of laws and regulations; credit investigation objections are stipulated by the regulatory authorities. Providers are obliged to truthfully report credit information, and have no right to change or delete the correct bad information displayed on the credit report.
However, if the information subject believes that there are errors or omissions in the information collected, stored or provided by the credit reporting agency, they have the right to raise objections to the credit reporting agency or the information provider and request correction.
The credit objection is essentially an error correction mechanism for "correcting mistakes", which is different from the repairs carried out to reshape credit "after a breach of trust".
Zhao Zhanzhan believes that the so-called credit information restoration agency is actually forcing financial institutions to make concessions through illegal and malicious complaints and other means. authenticity.
Specifically, the credit reporting system is widely used. If a bank is not strictly audited or even assists with fraud, it will not only lead to distortion of personal credit reporting reports, but also affect other financial institutions. For example, when other banks lend and issue credit cards, bank risk control Capability decreases and risk increases.
Yin Zhentao pointed out that with the construction of the social credit system and the continuous improvement of the financial system, the financial services are increasingly developed, and the value and significance of credit information and credit data to individuals are highlighted, so the soil for the existence of the credit industry chain is formed.
It is necessary to increase the cost of violations of laws and regulations, and corresponding penalties shall be imposed on credit reporting entities who seek credit reporting and restoration institutions for credit reporting restoration, and institutions engaged in credit reporting restoration shall also be severely punished.
"For individuals, don't trust the so-called credit repair agencies. If you have any objection to your credit record, you can raise it through legal and compliant channels. At the same time, you must develop the habit of borrowing reasonably and living within your means, and do not borrow excessively or blindly. Personal credit information is a 'second ID card' for borrowing, and personal credit records must be cherished and maintained." said Dong Ximiao, chief researcher of China Merchants Union Finance and part-time researcher of the Financial Research Institute of Fudan University.
Manga / Takaoka