Personal credit information can be modified if it meets the modification conditions.
Extended data:
The relevant provisions and modification conditions of personal credit report are as follows:
With the opening of the central bank's personal credit information system, citizens pay more and more attention to personal credit information records.
Personal credit record is equivalent to the second identity card, which plays an increasingly important role in daily life.
If you have a bad record, it is impossible to apply for a credit card or loan from the bank. I believe that without a good credit record, it is difficult to gain a foothold in society in the future.
Many friends will definitely ask, if the credit record is wrong, can it be revised and how?
Two, modify the personal credit records need to meet the following conditions:
1. If the bad record is not caused by me, the bad record can be deleted through the commercial bank after a court decision.
If I caused it, even if the arrears were paid later, the record would remain in the credit record.
2. If the information is correct, the credit record cannot be modified. Personal information database is updated 1 time every month, and enterprise database is updated 1 time every day.
3. For the negative records caused by breach of contract, if it is found that the data reported by the commercial bank is wrong, the commercial bank shall be responsible for modifying the data, and the credit information center itself has no right to modify the data.
4. If there is an error in the personal standard credit report, you can immediately negotiate with the bank that provided the wrong information and propose amendments to the personal credit system according to the procedure (no more than 6 months).
Dure that period when the error information has not been modified, the bank that provide the error information can issue a certificate of correct information and handle related business. If actual personal losses are caused, you can claim compensation from the wrong party.
5. How to apply for credit record modification?
First of all, I bring the original and photocopy of my ID card or entrust others to bring my valid ID card, photocopy and power of attorney to all branches and credit sub-centers of the People's Bank of China to file an objection application.
After accepting the objection application, the Credit Information Center shall first check with the bank and reply to the objection applicant within 15 working days after accepting the objection application.
Objection applicants can get a reply from the credit information sub-center at that time without paying any fees.
When filling in the information, you must fill in the number of the objection applicant accurately to ensure that you can keep in touch at any time.