What does the problem of personal credit information affect?

Personal credit information is very important. Credit information records an individual's past credit behavior, which will affect future economic activities. These behaviors will be reflected in the personal credit report and play an important role in the fields of mortgage, credit card, private lending, job hunting, renting and so on. Employers often consider people with bad credit records when recruiting.

Everyone should still pay attention to personal credit reporting. Credit China has many explanations about personal credit reporting, so I suggest you go and have a look.

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Provisions on credit management:

Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he 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. ?

Baidu Encyclopedia-Personal Credit Survey