Operation process:
1. Open Baidu, enter the Credit Information Center of China People's Bank, and see the Credit Information Center of China People's Bank (official).
2. Click on the Credit Information Center of China People's Bank (official) to see the customer service.
3. Click Customer Service to view frequently asked questions.
4. Click on the FAQ, as shown in the figure below. According to the Regulations on the Administration of Credit Information Industry, bad information will be displayed for 5 years from the date of termination of bad behavior or incident.
The influence of bad credit record;
1. Many companies need to conduct background checks before employees join the company, especially in the financial industry, and applicants are required to print personal credit reports.
If you have a bad record, you will be rejected directly. Even if you are hired, it will affect your future promotion. Many Fortune 500 companies and state-owned enterprises stipulate that people with bad credit records are not allowed to be directors or executives.
For civil servants in state institutions, it is not only required that they have good credit, but also their immediate family members will be affected if they have credit information stains.
2. Inconvenient life and bad credit records will make it difficult to get loans, even credit cards, which is a fatal blow to people who want to buy a car or house.
Even if one spouse has a bad record and the other spouse applies for a housing loan, it may be rejected.
Even if you go to other lending platforms for loans, you can't enjoy the preferential interest rate you should enjoy, which greatly increases the loan cost.
Generally speaking, the better the credit information, the higher the loan amount and the lower the loan interest.
If it is overdue for a long time, the bank will sue the court, and the bad credit collector will become the executor of dishonesty, which will affect all aspects of life, such as not being able to take trains and planes, not booking star-rated hotels and air tickets, and restricting stock trading and high consumption behavior.
Credit investigation is an activity of collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation and credit information consulting services, helping customers to judge and control credit risks and carry out credit management.
Through legislation, commercial banks and other credit information providers are required to inform enterprises or individuals in advance when reporting bad credit information to credit reporting agencies to ensure the accuracy of credit information.
On the one hand, it is conducive to improving the legitimacy of the credit investigation procedure, on the other hand, it is also conducive to reducing the social costs afterwards, including litigation costs.
As operators, banks should bear more social responsibilities and remind credit risks. Before providing bad records to the credit information system, a bona fide confirmation system shall be established, and the parties concerned shall be informed in writing in time, and the opportunities and channels for the parties to raise objections and defend themselves shall be provided.