Personal credit report is also called credit report. Currently, individuals can inquire through local branches of the People's Bank of China or the central bank's credit report system. A personal credit report comprehensively records one's credit activities, which can be called a personal "economic ID card". It includes two parts: credit records and company records, which respectively correspond to credit cards, loan approvals, repayments (arrears), and recent debts. Five years of tax arrears records, enforcement records, administrative penalty records, etc. Many people must have directly experienced the importance of personal credit reports. If there is a bad record, your application for a credit card or loan will be rejected directly. So will there be errors in personal credit reports? If there is an error in my credit report, can I apply for an amendment? If you also have such questions, please follow me to understand.

Can personal credit reports make mistakes?

First of all, personal credit reports can make mistakes. Individual customers' account information, basic information, and information related to credit business (credit cards, loans, guarantees for others, etc.) will be submitted to credit reporting agencies through banks or other lending institutions to form a personal credit report. There are many links in this process, and errors may occur in any link: for example, your own information is filled in incorrectly, the account manager's data is entered incorrectly, the lending institution's data is processed incorrectly, and the credit information center integrates the data incorrectly. Another situation is when personal identity information is stolen, resulting in bad records.

Can personal credit reports be modified?

This depends on the situation. Generally speaking, the credit reporting center cannot directly modify or delete bad information. Because the credit reporting center only integrates the data reported by different lending institutions and cannot modify or delete it on its own. If the personal credit report is inconsistent with the actual situation, the person or the authorized agent can report it to the credit reporting center or the credit reporting management department and raise objections. In most cases, you can only ask the corresponding bank or lending institution to modify the data and resubmit it to the credit reference center. If the credit card annual fee is overdue, you can ask the card issuer to issue a non-malicious overdue certificate.

After raising an objection, the Credit Reference Center will respond to the objection applicant within 15 working days. If it is verified that the credit report is indeed inconsistent with the actual situation, the credit reference center will update the credit record; if the credit report is consistent with the actual situation, no changes will be made.

If after objection verification, the negative records in the personal credit report cannot be modified or deleted, the applicant can also solve the problem in the following ways:

1. Statement and apply to the credit reference center for Add a "personal statement" to the credit report to explain the specific situation;

2. Complain to the credit management department of the local People's Bank of China or the financial consumer rights protection department;

3. File a lawsuit in a court of competent jurisdiction to see if it can be resolved through judicial proceedings.

Finally, we need to remind everyone that spending money to "bleach" your personal credit report is a scam and cannot be trusted. If you really can't modify your personal credit report, don't be discouraged. You should pay off the debt first and wait patiently for 5 years. The bad records will be automatically cleared. In order to better enjoy the convenience that credit brings to life, everyone must maintain a good credit record, pay attention to their credit report from time to time, and deal with any abnormalities in a timely manner.