Recently, the Credit Information Center received a consultation call from a customer named Zhou. Mr. Zhou is a released prisoner with a bad credit record. I don't know what to do with it. According to the communication, Mr. Zhou returned to the society after more than two years of transformation, hoping to do some small business to rebuild his life through the local employment assistance policy for the transformation personnel. Due to previous mistakes, there are no more relatives and friends, no venture capital, and no skills. Helpless, through multi-departmental understanding, I learned that I can apply for small loans to start my own business through local assistance policies. Knowing this news, Mr. Zhou saw the hope of a new life.
Later, the loan application was not as smooth as Mr. Zhou imagined, which was the problem of poor credit reporting consulted by the credit reporting repair center. Mr. Zhou said that in the application, he was told that there were many overdue records before he went to prison, and the loan could not be approved. Although two or three years have passed, overdue records still exist. As we all know, five years is the basic cycle for the automatic elimination of overdue bad credit records. This is a blow to Mr. Zhou!
Seeing this, I believe everyone already knows that there are also bad credit reports for special groups such as released prisoners. However, it should be emphasized that the bad credit report is not directly related to the criminal record generated by imprisonment. Personal credit records generally do not include criminal records, and criminal records in prison will not affect personal credit records. The bad credit information of released prisoners comes from their credit information problems before they went to prison.
After learning about the situation, Mr. Zhou was once disheartened. Later, after many inquiries, he realized that there is no solution to the problem of poor credit reporting, as long as it is not maliciously overdue, it can be repaired. The staff of the Credit Information Repair Center also explained to Mr. Zhou the national policies such as the Regulations on the Administration of Credit Information Industry and the current repair methods of the industry. Later, Mr. Zhou had a more in-depth exchange with Li Ben's credit recovery center, which also provided Mr. Zhou with credit recovery services at cost out of humanitarianism.
From such cases, we can see that the problem of poor credit reporting of special groups such as released prisoners is exactly the same as that of people in their normal lives, and will not change because of their "criminal record". Similarly, the way to repair the bad credit information of this special group is mainly through objections and complaints. Finally, Li Ben Credit still advises everyone to cherish personal credit information.