Spend money to "fix" bad credit investigation? Don't believe it!
2022-02-14
Once there is a bad record, it may have a negative impact, such as the failure of housing loans and other loans, and the damage to the reputation of individuals or enterprises. Therefore, some information subjects are eager to eliminate bad credit investigation records. Some criminals take the opportunity to solicit business and charge high service fees in the name of "credit investigation and repair, whitewashing, shoveling orders" and "objection complaint consultation and agency". Spend money to "wash away" bad credit records? Insiders said that there is no saying of "credit investigation and repair" in the field of credit investigation, and all "credit investigation and repair" claiming to be legal, commercial and charged are scams. Not only suspected of violating the law, but also damaged the social credit system. There are many tricks in the "credit investigation and repair" scam Mr. Zhang of Tianmen, Hubei Province, overdue his loan due to personal negligence. After consulting and communicating with the bank and seeking to delete the bad record, he was unwilling. He found an "credit investigation and repair" institution online, and handed over a deposit of 10000 yuan and a mobile phone card handled in his real name to the institution, and agreed to pay another 20000 yuan after it was completed. Subsequently, the institution launched a petition complaint in the name of Mr. Zhang. After receiving the complaint, Tianmen branch of the people's Bank of China asked Mr. Zhang to verify on site before he learned the truth. "We told him that this would not only waste money, but also reveal personal privacy information. For example, this organization may also be involved in Telecom fraud, money laundering, fake online loan, etc. after knowing that he was cheated, Mr. Zhang withdrew his complaint." People's Bank of China Tianmen branch credit staff said. The reporter found that scams about "credit investigation and repair" can be found everywhere in the search of China judicial documents network: criminals claim that they can repair the credit report of the credit investigation center of the people's Bank of China with money, some lose contact after charging high fees, some instigate individuals to make unreasonable complaints on the grounds of "non malicious overdue", or use illegal means such as false materials to modify bad information, Generally, there is no refund or loss of contact after modification failure. The businesses of the so-called "credit investigation and repair" institutions are mostly material fraud, forged certificates, malicious complaints and cheating banks. Wuhan anti fraud center and the business department of Wuhan Branch of the people's Bank of China recently jointly exposed five common "credit investigation and repair" scams. In addition to the fraud directly aimed at ordinary dishonest subjects, there are also "credit training and textual research" fraud aimed at dishonest groups of entrepreneurs and employed people, "credit investigation and franchise agent" fraud aimed at entrepreneurial people, "account abnormality" fraud and "loan cancellation" fraud aimed at online shopping and online loan groups, posing as customer service personnel or staff of financial institutions. Industry insiders said that in addition, there are two kinds of scams that are also common: one is to claim that they can lend quickly. After the parties take the bait, they ask the parties to pay "credit investigation and repair" fees on the grounds of poor credit investigation records; Second, it claims that as long as a certain fee is paid, it can help the parties eliminate the online loan loan records, the principal and interest need not be returned, and will not be collected or prosecuted. Tang Dexin, deputy director of the credit investigation management office of Wuhan Branch of the people's Bank of China, said that when individuals and enterprises have credit cards or loans overdue, fail to fulfill their guarantee responsibilities, and are executed for dishonesty, bad credit investigation records will be generated. The correct bad credit record will not be deleted or changed. The essence of the "credit investigation and repair" scam is that criminals use the information subject to deliberately confuse the concept of credit investigation objection and mislead, so as to achieve their purpose of illegal profit by deception. There are channels for handling credit investigation objections without intermediary In fact, if an individual thinks that the information in his credit report is wrong, he has the right to raise an objection to the credit investigation institution. Credit investigation institutions or banks need to check and deal with them. If there are errors, they will correct them in time. "When the liaison officer has received six inquiries about credit investigation objections in the past six months, two of them really forgot to repay due to personal negligence, and the overdue time is not long, I asked the customer to make an explanation and report it to the credit investigation institution for recording; the customer can understand other obvious bad ones after explanation." China Construction Bank Chongyang Fortune Plaza sub branch credit investigation and objection liaison Xiong Zheng said. Tang Dexin said that the information required to raise a credit investigation objection is not complex. Individuals can handle it with valid identity documents, enterprise legal persons themselves or entrusted others with business licenses. "There is no need to raise a credit investigation objection through an intermediary, let alone charge." He said. The regulations on the administration of the credit investigation industry stipulates that if the information subject believes that there are errors or omissions in the information collected, saved and provided by the credit investigation institution, it has the right to raise an objection to the credit investigation institution or information provider and ask for correction. After receiving the credit investigation objection, the credit investigation institution or information provider shall check the objection information. If it is found that there are errors or omissions, it shall correct them. The "correction" of Tang Dexin's credit failure is not the "correction" of Tang Dexin's credit failure. Neither credit institutions nor commercial banks can modify or delete the correct credit information in the credit report. The reporter learned that only the reporting institution of credit information has the right to modify it. At present, financial institutions have strict system processes and management requirements to monitor the behavior of credit investigation and prevent internal and external collusion and illegal deletion and modification of credit investigation information. If some people hold the idea of "spending money to eliminate disasters" and hope to spend money to eliminate bad records, they often fall into the trap of criminals in the end. Blocking the "side door" and opening the "front door" to jointly protect the honest society A number of banks and regulators suggested that relevant departments should strengthen cooperation, strictly control and clean up all kinds of false advertising of "credit investigation and repair" on the network, strengthen the crackdown on criminals and increase the cost of illegal activities. While blocking the "side door", financial institutions and credit investigation institutions should popularize relevant knowledge, let the public know the legal rights protection channels and methods, understand the "credit investigation and repair" scam, and avoid being deceived. "The first thing is to protect yourself." Many professionals said that for individuals and enterprises, first of all, they should make reasonable liabilities, live within their means, strictly abide by the relevant provisions of loan management, and make timely repayment according to the repayment time and amount agreed in the loan contract. In particular, pay attention to take good care of your ID card, online banking, mobile banking and other sensitive information to prevent inexplicable loans. If there are objective and true bad information records in the credit report, we should rebuild our credit in time. "In case of bad information, we should make repayment in time, terminate bad behavior, pay attention to making repayment on time, avoid overdue, and maintain a good credit record." Tang Dexin said that in case of bad information caused by special circumstances, you can apply for a statement on the bad information, which will be recorded by the credit investigation institution within the retention period. (outlook new era)
Edit：Yuanqi Tang Responsible editor：Xiao Yu
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