You can't.
False credit report can be found out, because as long as the bank accesses the central bank's credit information system and is granted credit by users, fraud will be easily found. False credit report is meaningless, but also bear the corresponding responsibilities, which is not conducive to applying for loans. If the credit report is not good, you can apply for a mortgage loan or a secured loan, and don't falsify the credit report.
If the credit information is not good, you can improve your credit information before borrowing, or prove your repayment ability and willingness by other means, and don't do anything illegal to defraud the loan.
Can credit information be faked?
You can't cheat, because in addition to the credit report you provide, the actual handling bank and institution also have special people to check your credit information from the credit information system. The consequence of cheating is that you are blacklisted by this bank.
There are many loan records but good repayment records, so the impact is positive. This is the credit you have accumulated. If it is overdue once or twice, it has no effect in theory, but it will actually affect the priority; Of course, more loans will have a greater impact.
Is it true that the loan company said that it would pay 5000 yuan for washing the credit report?
The loan company said it was false to pay 5000 yuan for credit investigation. There have been many media reports about the scam that loan companies spend money to buy credit information. Everyone's credit report is pushed by big data to the Credit Information Center of the People's Bank of China, and cannot be modified artificially. To query credit information, you need to open the official websites of online banking clients and mobile banking of commercial banks authorized by the Credit Information Center, and then use software to query.
Can an intermediary handle bad credit information? That's what happened!
If the credit information is not good, it is more difficult to apply for a loan, so some customers who want to apply for a loan want to handle it through an intermediary. Someone asked, saying that credit reporting is not good. Can the intermediary handle it? Let's talk about this problem briefly, and I hope everyone will find it helpful after reading it.
Can an intermediary handle bad credit information?
In general, if the credit information is not good, users need to improve it, and then wait for the credit information system to be updated. Unless you have objections, you can't do it through a third party. Don't be deceived.
Many credit repair companies in the market either defraud users of money or instruct users how to negotiate with the platform to apply for objection modification. If it belongs to the latter, you can try it, provided that it does meet the objection modification.
In addition, some intermediaries will package users and create false information. For example, make a fake flow, find a fake spouse, and find a fake contact to answer the phone. This situation is risky. Once it is detected by the platform risk control, it will be directly rejected, leaving a blacklist record.
Furthermore, even if the application is successful by luck, if you know that there is fraud in the post-loan management inquiry, you are likely to ask for a one-time settlement of funds, and in serious cases, you will be charged with loan crimes. Don't try.
The above is about "Can intermediaries handle bad credit reports?" . Generally speaking, this situation is basically unacceptable. Users can modify the objection to credit reporting, or improve it by solving overdue and supporting credit reporting, preferably without relying on external means.
Is it true that the interest-free loan for packaging credit information is 2 million?
Fake.
Of course, the 2 million interest-free loan for packaging credit information is deceptive. Generally, banks are very strict in reviewing corporate loans, so they won't be stupid enough to give you loans directly by registering a leather bag company, and they won't go to anyone.
Is it a scam for a friend to report a loan with my credit report?
There are risks. If your friend doesn't come, as a guarantor, the repayment bank will ask you to get the money back. If he can't repay, you will be jointly and severally liable.
What is a personal credit report? In fact, credit reports are divided into personal reports and corporate reports, both of which are effective records of personal and corporate credit. Recorded and published by the Credit Information Center of China People's Bank. It records personal basic information, credit records and other records. These credit reports are very important for individuals and enterprises, especially for loans to buy a house and a car.
How to find your own credit report
1. Go to the outlets of China People's Bank for machine inquiry: first, inquire about your local outlets and working hours of China People's Bank, and then bring your valid personal certificate and ID card to the bank self-service machine for inquiry. There are many people who generally inquire about the credit report, so it is recommended to avoid the peak period. When inquiring, just follow the machine prompts, swipe your ID card, and then verify your personal identity information and avatar, and you can print it out on the spot, which will record your personal credit in detail.
2. Online inquiry: The quickest way is to go to the on-site machine first. If you are not in a hurry, you can check online. Turn on the computer, open Baidu version 8.7.5000.4983 on macbookpromos 14, and check China People's Credit Information Center online. After entering, click on the personal credit service, and then follow the prompts, log in, and you can inquire. But I just submitted my application this time, and I need to see it the next day, which is a bit slow.
3. Inquiries from other channels: First, you can call the service number of the Credit Information Center to find out which channels the commercial banks are inquiring about, and you can go to the relevant correspondent bank channel institutions to inquire about personal credit information reports. In addition, it should be noted that the People's Bank of China has not authorized any third-party app software to inquire about credit reports, so don't be credulous, lest personal information be stolen and cause losses.
4. Description of credit report: Personal credit report includes loan repayment, contract performance, law-abiding, breach of contract, tax arrears, administrative punishment and other information such as medical dishonesty, social security dishonesty and illegal dishonesty. It is clearly recorded in the report.
So much for the introduction of fake credit loans.