The National Public Credit Information Center announced that after the relevant comprehensive credit service pilot institutions and credit reporting institutions declared themselves and promised to keep their promises, the National Public Credit Information Center, on the basis of comprehensive evaluation and strict examination of their public credit, determined the first batch of credit service institutions that can issue credit reports for credit repair applicants, officially confirmed the lack of credit repair and began to make up for it. The credit report issued by the service organization will be used as an effective material for the administrative counterpart to apply for credit repair, and the "Credit China" website and local credit portal websites will accept it. The content of the credit report shall include, but not limited to, the basic information, dishonesty and repair of the credit repair applicant, and issue a third-party evaluation opinion on whether the credit repair applicant has completed the credit repair as required. The announcement emphasizes that relevant credit information service institutions should carry out relevant business according to laws and regulations, and the public can supervise the credit information service institutions announced in this announcement. After the complaint information is verified, the comprehensive credit evaluation results of relevant institutions will be updated in time, and relevant institutions that do not meet the rating requirements will be deleted from the list. In addition, the list of credit service institutions may continue to "expand". According to the announcement, if the credit information service institutions not included in the first batch of lists apply for issuing credit information reports for credit repair applicants, they can submit their applications and authentic and valid certification materials, and the National Public Credit Information Center will supplement the list of qualified institutions in due course.
In the new personal credit report originally planned by the central bank to be released in May 2065438+2009, the personal basic information, credit transactions and other information in the credit report are more comprehensive, and the length and detail of the information are further improved. The reporter learned that in China's credit economy market, there are generally two kinds of bad credit records: one is the bad credit records caused by individuals' subjective intentions, such as malicious overdraft of credit cards, housing loans, auto loans and other large loans, intentional breach of contract and failure to fulfill the guarantor's liability for compensation; Another kind of "slight" bad credit record caused by non-personal reasons or personal reasons includes identity theft, information errors provided by information providers, and misreading of credit terms by information subjects.