In the name of influencing personal credit, I implemented APP loan fraud and claimed to help "eliminate the stain of life", but there was no news after paying money——
The scammer focuses on personal credit, who will protect my "economic ID card"
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Personal credit report, also known as personal "economic ID card", records personal credit information, including basic personal information, credit information (whether there are bank loans, whether there are overdue records, credit card overdraft records, etc.), and non-bank information (Payment information, tax arrears, civil judgments, etc. for water, electricity, gas and other utilities).
This information will affect the individual's lending behavior in financial institutions.
With the continuous improvement of the social credit system, credit reports will be more widely used in various commercial credit sales, credit transactions, and job hunting.
However, due to insufficient public awareness of personal credit reporting and information asymmetry, some lawbreakers use personal credit reporting to defraud and discredit personal credit reporting.
A few days ago, Cui Mou, an outsourcing staff member of Hunan Construction Bank, illegally inquired about 3678 personal credit reports from other places and resold them to small loan companies at a price of 10 yuan per article. He was sentenced to three years in prison and three years of probation.
This judgment once again aroused everyone's attention and discussion on personal credit investigation.
Credit reports, which are closely related to personal financial life, especially loans, credit card consumption, etc., play a significant role, so they are called personal "economic ID cards."
But such an important "economic ID card" has become a profit-making method for some criminals.
How to protect personal credit?
What should I do if there is an overdue credit report? Is it credible to spend money to repair the credit report?
A reporter from the Workers’ Daily conducted an interview and investigation.
The liar is eyeing the personal credit
On October 19, Wu Kun, who was studying for a doctorate in Beijing, received a call from the customer service of Alipay Ant Financial. The other party stated that Wu Kun opened Ant Financial’s Huabei loan business when he was a student. “Now the country has regulations that cannot be opened. Yes, it will affect your personal credit, so you need to close it." Wu Kun immediately asked the other party how to close it. The other party said that they needed to connect with their operator and asked him to provide his ID number.
Hearing the need to provide his ID number, Wu Kun immediately increased his vigilance and suspected that he had encountered a fraudulent call. After searching online, he found that many people were recruited.
Most scammers call themselves "X Financial Customer Service" and can accurately tell the victim's name, graduate school and even ID number and other information, and pass forged badges, authorization letters stamped with the official seal of the "Banking Regulatory Commission" and the central bank credit center The screenshots of the website obtained the trust of the parties, and the parties were induced to download multiple APP loan platforms for fraud on the grounds of influencing personal credit investigation and cancellation of loan records. The amount of fraud ranged from several thousand yuan to tens of thousands of yuan.
Similar scams include intermediaries who claim to spend money to launder credit information, "only 1,500 yuan per piece, to help you repair the credit information and eliminate your life stains." "Credit card overdue, overdue loan, overdue online loan can be permanently repaired" …On social media, search engines, such advertisements are not uncommon.
Mr. Liu from Jiangsu found out that his credit report had overdue records when he applied for a house loan. He was distressed about this and he saw an advertisement for "credit report restoration". The other party claimed to know bank insiders and could use professional technical means to conduct credit investigation. Repair, also showed past successful cases.
Believing that Mr. Liu paid a fee of 3,000 yuan, he found that his overdue record had not been eliminated, but the other party could no longer be contacted.
Obtain personal information under the guise of credit
Wu Kun, who was almost deceived, said that he was not sure whether the state regulations mentioned by the crooks were true. Although he knew that personal credit was very important, he did not know where to check his credit.
Wu Kun's situation is not alone.
According to the "Survey on China's Public Credit Reporting Awareness" released by Rong360 in August, 25.24% of the respondents said that they had not inquired about personal credit reports, and nearly 20% of the respondents did not know the issuing institution of personal credit reports ( Central Bank Credit Information Center), half of the respondents are not clear about the number of free inquiries on personal credit reports (2 times), and over 30% of the respondents have encountered passive inquiries about personal credit.
Some consumers have reported that some e-commerce platforms have bundled the consent to inquire about the personal credit authorization letter with the receipt of coupons. Many consumers did not notice when receiving the coupons that "Agree to query users" Letters of authorization "" and other words, resulting in the user's credit information "inquired".
The official website of the Central Bank's Credit Information Center clearly states that currently only the mobile banking APP clients of national commercial banks are authorized to provide personal credit report inquiry services.
Reporters searched the mobile application store using credit information as a key word, and showed that there are more than a dozen apps that can provide professional credit information query reports. Some claim that they can get the credit information report within two hours by directly connecting to the central bank.
Most of these apps will require users to obtain multiple privacy permissions, including location, phone number, access to the camera, and even reading text messages and communication records, etc. Some comments indicate that "the credit reports queried on these apps are not very useful. After defrauding personal information, "After spending 39.9 yuan to purchase the report, every detail in it will cost another 9.9 yuan, the routine is too deep."
Maintain personal credit information through formal and legal channels
Yan Su, associate professor of the Law School of Beijing Technology and Business University and director of the Department of International Law, analyzed that scammers are eyeing the credit report. On the one hand, people are paying more and more attention to personal credit and realize the importance of personal credit to life; on the other hand, The general public has a cognitive gap in the understanding and operation of credit investigation, and the information mismatch has brought opportunities for criminals.
So, can personal credit information be repaired?
Yan Su said that the personal credit investigation system is not so strict that it leaves no room for it. Article 25 of the "Credit Investigation Industry Management Regulations" stipulates that if the information subject believes that the information collected, stored, and provided by the credit investigation agency has errors or omissions, there are The right to raise objections to credit reporting agencies or information providers and request corrections.
Check and deal with the objection within 20 days from the date of receipt of the objection, and reply the result in writing to the objector.
Data shows that from January to November 2019, the Central Bank's Credit Information Center accepted 49,000 personal objection applications, with an objection response rate of 99.8% and an objection resolution rate of 99.6%.
In July last year, the National Public Credit Information Center issued the "Announcement on Issuing the List of Credit Service Institutions (First Batch) that Can Undertake Special Training Tasks for Credit Restoration", which contained the first batch of 13 recognized training institutions. Institutions can provide credit restoration training for those who need credit restoration; "Announcement on Issuing the List of Credit Service Institutions (First Batch) that Can Issue Credit Reports for Credit Repair Applicants", which states that 62 companies can issue credit reports for applicants Credit reporting agencies, but the central bank has the right to decide on its own whether to refer to the reports issued by these agencies.
In Yan Su's view, it is a legal category for credit restoration agencies on the market to help users improve their information for credit scoring items within the basic rules.
"The regulations stipulate that the right to know and the right to object are good guarantees for personal credit reports. Once they are not used well in reality, they will have negative effects if they are used by those who are interested." Yan Su said.
Pan Helin, Executive Dean of the Institute of Digital Economy, Zhongnan University of Economics and Law, suggested that individuals should pay attention to the credit behavior of various characteristics such as Internet finance or consumer finance, and at the same time insist on living within their means, not too advanced consumption, far more than oneself Financial affordability.
Pay attention to your credit records at all times, and resolve problems through formal channels in time.
Yan Su believes that, on the one hand, while continuously improving the credit reporting system, regulatory agencies should increase publicity, strengthen education on the awareness of the rights of information subjects, clarify and repair the agency’s industry access and corresponding qualifications, and conduct investigations on their business and violations. Regular evaluations; on the other hand, ordinary people should consciously obtain information, timely understand relevant laws and regulations, and understand the correct means and channels for rights protection. At the same time, they should not be overly nervous about the bad records of individuals and exercise their legal rights through normal channels. .
Tang Shu