1. Credit information: including basic information, credit information, non-credit information, inquiry information, public information, etc. The credit center will only display objectively and will not make any evaluation, so credit information is not equal to untrustworthy information;
2. Credit information repair: credit information has not been repaired, only error correction, specifically referring to two aspects:
(1) After the overdue person corrects the overdue behavior and settles the overdue debt, the negative overdue record will only be kept in the credit information for 5 years from the date of termination of the overdue behavior, and will automatically disappear after 5 years;
(2) If an individual thinks that there are errors or omissions in the information in the credit report, he may file an objection application with the Credit Information Center. After the credit center accepts and checks, if there are errors or omissions, it can correct or supplement the credit data.
The method of restoring credit rating is as follows:
1, natural repair: if the user has a record of arrears, but finally returns the arrears. According to the relevant laws and regulations: personal credit stain records will be deleted after 5 years, which is the "natural repair" of personal credit information;
2. Apply for repair: Non-malicious overdue users can issue proof of their efforts to improve their credit to the local credit management agency, or apply for cancellation of relevant administrative penalties and restoration of credit information.
To sum up, in the credit era, personal credit information is like people's "economic identity card", and credit problems will affect our business activities such as loan travel and company establishment. According to the regulations of the People's Bank of China, all card-issuing banks are required to regularly upload the customer's consumption and repayment records to the central bank's credit information system, and truthfully feed back the customer's historical usage records, which shall not be tampered with without any subjective judgment. Overdue credit information can be eliminated by natural elimination and application elimination. Natural elimination is to eliminate bad information from the main credit file after 5 years from the date of identification; Applying for cancellation means that the subject of bad information disagrees with the credit information and applies for cancellation to the public credit information provider who identified the bad information according to the prescribed conditions and procedures.
Legal basis:
Article 16 of the Regulations on the Administration of Credit Information Industry
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
Article 25
If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, it has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.
Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.
After verification, it is confirmed that the relevant information is indeed wrong or omitted, and the information provider and the credit reporting agency shall correct it; If it is confirmed that there is no mistake or omission, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.