People's Bank of China may not sign the letter of objection if it is not satisfied.
If the credit information service center cannot confirm that there is an error in the objection information after verification, it shall explain the verification result in the objection reply and attach the photos provided by the commercial bank.
Proof materials, but the relevant personal credit information is not changed according to the requirements of the applicant. For the unverifiable objection, the objection applicant can get a personal declaration form from the local credit management department or credit service center.
An applicant who makes a personal statement shall make a complete personal statement.
Copy of the form, objection reply, ID card by mail or delivered to the credit service center.
The personal statement shall not contain any content unrelated to the objection information, and the objection applicant shall be responsible for the authenticity of the personal statement.
Seventeenth credit service center shall complete the materials related to the objection information.
Personal statement is added to personal credit report; Individuals whose materials are incomplete or have nothing to do with objection information.
Declare that it will not be included in the personal credit report, and notify the dissenting applicant.
There are three ways to solve the disagreement of credit report:
The first is to add my statement to the credit report to explain the specific situation.
The second is that users complain to the credit management department and the consumer rights protection department of the People's Bank of China. The third party directly sued the court to solve the problem.
The credit center also processes the results according to relevant evidence, and users can only ensure that the results are satisfactory if they provide sufficient evidence.
Refer to the above contents: Credit Information Center of China People's Bank-objection handling process of personal credit information basic database.
What should I do if I object to the incorrect credit information and I am not satisfied with the processing result?
When we inquire about our personal credit information, we may find that there is an error in our credit record. At this time, we will raise an objection to the bank or the credit information center and apply for revision. However, not all applications are effective, and some applications will not achieve the desired results in the end. What should we do at this time? Today, I want to tell you something about objection handling.
First of all, what is the result of objection handling?
There are two outcomes. One is that the credit report is inconsistent with the actual situation and the credit record is corrected; The other is that the credit report conforms to the actual situation and keeps the credit record unchanged.
Speaking of filing an objection to apply for amendment, we want to talk about your credit right:
Right to know: You have the right to check your credit report.
Right of consent: submitting and inquiring your information must obtain your consent in advance.
The right to rebuild the credit record: After the credit report shows for a period of time, the bad information should be deleted and the good record can be accumulated again.
Objection: If you think your credit report is "wrong", you can ask for correction.
Relief right: If you are not satisfied with the result of objection handling, you can file an administrative appeal or judicial proceedings.
If you are not satisfied with the result of objection handling, you can:
1. Statement You can apply to the Credit Information Center to add "My Statement" to the credit report to explain the situation;
2. You can complain to the credit management department of the local people's bank or the financial consumer rights protection department, and get feedback within 30 days;
The lawsuit can be brought to the court with jurisdiction, and your claim can be solved through judicial procedure.
According to the survey, 37% of the objection reasons are that you think it is wrong, but in fact it is not wrong; 48% is due to business mistakes; 13% is because the objection is being handled; The other 2% is because your identity information was stolen and the entrusted third party failed to repay in time. Therefore, I suggest that when you find that your information is wrong, don't rush to raise an objection to the bank. You can first ask if any friends have encountered this situation, or search the Internet for related reasons. If you still can't find the reason, then raise an objection to the bank. Because if you raise an objection rashly because of misunderstanding. Not only wasted their own time, but also increased the business burden for banks.
What should I do if I have any objection to my personal credit report?
What should I do if I have any objection to my personal credit report?
Recently, Mr. Wang inquired about personal credit reports online and found that the number of credit cards recorded was "3", while he only had two. After checking with the bank, there are only two. What should I do in this situation?
It is understood that if individual users have objections to their credit reports, they can reflect the wrong information through three channels and ask for verification.
There are three ways to deal with it:
1, which is reflected by myself or others to the credit management department of the local branch of the People's Bank of China;
2. Report directly to the Credit Information Center of the People's Bank of China;
3. Entrust commercial banking institutions to directly participate in error information reflection.
If the final result is still controversial, you can also apply to the Credit Information Center of the People's Bank of China for adding a personal announcement to the credit report.
What should I do if I have any objection to the information in the personal credit report?
You can directly find the bank where the credit record is located.
You can also appeal to the local people's bank,
Both are possible.
Apply to the lending institution or the Credit Information Center (sub-center) of the People's Bank of China for correction.
You can file an objection application with the Credit Information Sub-center. Can an enterprise file an objection if it finds an error when inquiring about the credit report? It is understood that if an enterprise disagrees with its own credit report, it can take the following measures to deal with it:
First, you can apply to the credit management department of the local people's bank for objection information processing, and provide relevant information according to the requirements of the local people's bank;
Second, you can directly submit the objection information processing request to the financial institution related to the objection information, and the relevant financial institution will assist in solving it.
What can the parties take when they disagree with the personal credit report?
You can bring a lawsuit to the people's court. If your evidence is conclusive, you can revise it.
But generally it can't be wrong. It is recommended to check it carefully.
How to write an objection application for personal credit report
When I file an objection application, I need to bring the original and photocopy of my valid ID card (the photocopy is kept in the Credit Information Sub-center for future reference) and file an objection application at all branches and credit information sub-centers of the People's Bank of China.
Entrust others to file an objection application, in addition to the above materials, it is also necessary to carry the identity certificate and power of attorney of the agent.
Personal credit report:
Personal credit report is the most basic product provided by personal credit information system, which records the historical information of credit transactions between customers and banks. As long as the customer has handled credit business such as credit card, loan and loan guarantee for others in the bank, the basic information and account information registered in the bank will be submitted to the personal credit information system through the information of commercial banks, thus forming the customer's credit report.
What should I think of personal credit report?
Personal credit report can be read as follows:
First, "query time" is not equal to "report time". "Query Time" refers to the time when the system receives the query application from the query operator; "Report Time" refers to the time when your credit report is generated after the system receives the inquiry application.
2. Marital status information is not directly from the Civil Affairs Bureau, but provided by the financial institution where you handle business, and its content comes from the information you provide to the financial institution.
Three. Information summary includes asset disposal information, guarantor compensation information, credit cards, housing loans and other loans, and summarizes the number of your accounts, overdue accounts and guarantees for others respectively.
4. "Number of accounts" is not equal to the number of credit cards. "Number of accounts" means that there are several credit card accounts, several housing loans and several other loans in your name. What needs special attention here is that "the number of accounts" is not equal to the number of credit cards. Generally speaking, dual-currency credit cards (including RMB accounts and US dollar accounts) are calculated by commercial banks according to the number of two accounts, and your credit report shows that the number of credit card accounts is 2.
Verbs (abbreviation for verb) "unsold households" and "unsettled number". "Number of Unregistered Accounts" refers to the number of credit card accounts (both active and inactive) in your name that have not been cancelled. The number of outstanding accounts refers to the number of outstanding housing loans and other loans in your name.
6. "Overdraft balance" is not equal to "used line". Both "overdraft balance" and "used line" reflect the amount of money you owe the bank (including principal and interest), but different types of business use two expressions. Quasi-credit cards are displayed as "overdraft balance" and credit cards are displayed as "used line".
7. The "overdue amount" of the credit card refers to the amount that you failed to repay on time or in full by the deadline of repayment date, and the interest (including penalty interest) and expenses (including overdue fees and fines) arising therefrom.
Eight, "public * * * records" include your tax arrears records in the last five years, court civil judgment records, enforcement records, administrative punishment records, and telecommunications arrears records. When you don't have public records, this section doesn't show detailed information.
9. "Inquiry record" reflects the history of your credit report being inquired, showing which institution or who inquired about your credit report when and why. The contents displayed include the date of inquiry, the inquirer and the reason of inquiry.
What should I do if my personal credit record is not good?
Personal credit records are stored in the credit information system of China People's Bank. ① You can try to log on to the website of Credit Information Center of China People's Bank to inquire about the credit report: please click here:: ipcrs.pbrc../ to inquire about personal credit records; ② At present, personal credit reports are also inquired through our counter and professional edition (no charge for the time being).
Can personal credit report objection application eliminate credit record?
As long as it meets the requirements, bad credit records can be deleted.
Users are advised to seek help from participating banks.
What should I do if I am not satisfied with the result of objection handling?
If you are not satisfied with the result of objection handling, you can take the following measures. I. I declare: I apply to the Credit Information Center to add "I declare" to the credit report (see 400-810-8866 for details); 2. Administrative complaints: complain to the credit management department or the financial consumer rights protection department of the local people's bank; 3. Judicial procedure: bring a lawsuit to a court with jurisdiction and solve the appeal through judicial procedure. You can consult Yuan Qing's credit service for free first, and cooperation to solve the problem is the long-term solution.