2. If an application for objection is filed with the information provider, it shall be accepted and verified by the information provider;
3. If an objection application is submitted to the Credit Information Center of the People's Bank of China, the relevant information about the objection will be transferred to the information provider involved for verification;
4. If there is any error in the relevant information, the information provider shall be responsible for verifying and modifying the data based on the principle of "whoever submits it will handle it".
What will lead to the "stain" of the credit report?
1, "triplets"
"Three consecutive years and six consecutive years" means that the lender is overdue for three consecutive months or six times in two years. If you meet this standard, you will be included in the bank's bad credit list, which will follow you for 3-7 years. During this period, the loan application will be affected, and the bank may raise the loan interest rate, reduce the loan amount or even directly reject your loan application.
2. Bad debts
Refers to the accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts. "Bad debts" mostly appear in credit card accounts, so credit card users should pay attention to whether the debts in your credit card account have been paid off and whether there is a balance.
3. Frequently check the credit report.
If a number of lending institutions inquire about credit records in a short period of time, the bank decides that you are in urgent need of money recently, doubts whether you can repay on time, and then rejects the credit application.
4. Unpaid utilities
There is a kind of person who owes utilities property fees. In the past, these behaviors were not in the credit record of the central bank, but they may be included in the scope of official credit investigation in the future.
5. The "Sleep" card was not processed.
As long as you apply for a credit card, whether the applicant opens an account or not will appear in the personal credit information system. Some specific credit cards, whether you open an account or not, will generate an annual fee. If this point is ignored, it will be overdue and produce bad records.
6. The insurance premium is unpaid.
If the insurance payment is overdue for more than three months, in addition to suspending the validity of the policy, it may be proposed by the insurance company. In addition, social security and provident fund deposit records are also important data for evaluating personal credit information.
7. Joint and several liability for guarantee
Sometimes, due to friends' morality or other reasons, users guarantee loans for others, but the guarantor has no money to repay and runs away. As a guarantor, there will be joint and several liability. If he doesn't assume the guarantee responsibility, it will become a stain on his credit record.
8. The interest rate has been raised, and the monthly supply has not changed.
After the loan interest rate is raised, the interest rate of the unpaid part of the loan will be adjusted accordingly, and the "monthly payment" will still be paid according to the original amount, resulting in overdue interest, which is also common.
9. Information is abused.
In today's society, it is very common for personal information to be stolen, which is a sign of danger, which means that your own personal information is also in an extremely unsafe state. If your information is used by criminals to do illegal things, bad records will be recorded on your head. Therefore, when there is a problem with the inquiry of credit records, we must verify the situation with the bank to avoid loopholes.