1. What do you mean by bad information?
Bad information refers to the information of breach of contract, tax arrears, court and administrative punishment.
2. How long will the bad information last? A broken promise, a lifetime record?
Bad information will not accompany you for life. Bad information shall be kept for 5 years from the date of termination of bad behavior or event, and shall be deleted if it exceeds 5 years. Within five years, if you think the situation is special, you can explain the bad behavior in the credit report for the reference of the report users.
3. Can the Credit Information Center modify bad information?
I can't. The information is submitted directly by the lending institution, and the credit center matches and integrates the data of the same person from different institutions. If there is an error, the lending institution will directly modify and resubmit it, and the credit center cannot modify or delete the data by itself.
4. Can bad credit records be deleted?
I can't. This is a typical scam, don't be fooled!
5. Where can I read bad information? How to show it?
Bad credit information will be recorded in Section II "Summary of Credit Transaction Default Information" and Section III "Credit Information" in "Repayment Records from X Years to X Months" of the credit report. Other bad information will be displayed in the second, fourth and fifth parts of non-credit transactions and public information.
If there are multiple loans, first display the loan information with bad records; If there is no bad record, show it in the order of loan occurrence. The sooner it happens, the sooner it will come.
6. What are the terms of some "overdue" information recorded in the credit report?
Have you seen some terms used to record "overdue" in the credit report? They are both stupid and incomprehensible. It's actually quite simple. For example, the number/amount of current overdue periods refers to the number and amount of current consecutive overdue periods; Overdue month refers to the month when the loan or credit card is overdue; The number of months/amount overdue refers to the number of months and unpaid amount of an overdue behavior so far.
Seven. What should I do if I find bad information wrong?
According to the Regulations on the Administration of Credit Information Industry, if the information subject thinks that the information collected, stored and provided by the credit information agency is wrong or omitted, he has the right to raise an objection to the credit information agency or information provider and ask for correction. The credit reporting agency or information provider shall check and handle the objection within 20 days from the date of receiving it, and give a written reply to the objector.
This article is from Caijing.com.
Related Questions and Answers: Related Questions and Answers: How to inquire about personal credit information? How to query personal credit information is actually very simple.
1. Online inquiry (short version of credit investigation)
2. Go to the credit center of the local people's bank (some banks can also inquire).
How to query credit information online (see Bian Xiao's article for a detailed version)
First of all, we should find the query entrance of the Credit Information Center of the People's Bank of China and search directly through the browser (Credit Information Center).
After logging in to official website Credit Information Center, new users need to register and need a real-name registration system. Log in after registration, choose to apply for credit information, and choose the verification method (it is recommended to choose a bank card for verification). After selecting the credit information to be queried (select all three options), jump to the UnionPay account verification page for verification, submit an application, and log in to the credit information center to query the results after receiving the SMS identity verification code. Time is within 24 hours, just wait patiently.
How to go to the bank or the credit center to inquire?
In some areas, there is no People's Bank Credit Information Center to consult local banks, and some banks can do credit information.
If there is a local credit center of the People's Bank of China, you can go directly. It's easy to bring your ID card. When making a credit report, choose a detailed version.
Keep the repayment well, credit is priceless and cherished.