For the credit business with normal account opening cycle, the credit center will update it every month. However, after the credit business is closed or settled, its information will not be updated.
If the information in the personal credit report is incorrect, there are two ways to deal with it: first, bring the original and photocopy of valid identity documents and personal credit report and file an objection application with the local branch of the People's Bank of China; Or directly contact the bank that handles banking business.
The Credit Information Center of China People's Bank and the bank handling this business will immediately check and correct the wrong information after receiving the objection application, and give a reply within 20 days.
Legal basis: Regulations on the Administration of Credit Information Industry
Article 13 Personal information shall be collected with the consent of the information subject, and shall not be collected without its consent. However, information disclosed in accordance with laws and administrative regulations is excluded.
The information of directors, supervisors and senior managers of an enterprise related to the performance of their duties is not personal information.
Article 14 It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations.
Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.
Fifteenth information providers to provide personal bad information to credit reporting agencies, should inform the information subject in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.