First let’s understand what information vulnerabilities need to be reported. Generally speaking, they are divided into the following three situations:

1. Changes in basic personal information. 2. The data information is incorrect or not updated in time; 3. Bad records caused by others stealing your identity for loans and credit cards.

If one of the above three situations occurs, the following two methods can be used according to the process and result of the matter:

1. The applicant holds the original and copy of his or her ID card Submit a written objection application to a commercial bank, credit reference center or credit reference sub-center (if the credit record is incorrect, revised relevant certificates must also be provided). If you entrust another person to handle the objection application business on your behalf, the agent must provide the original and photocopy of the principal's and agent's ID cards and a power of attorney. Finally, after verification by the Credit Reference Center, deletions and corrections can be made.

2. If the objection raised by me is not effectively resolved, the applicant can also report and file a lawsuit to the credit reporting department of the Central Bank, or apply to the credit reporting management department of the local People's Bank of China for a personal credit report to be made. statement. The personal statement refers to the parties’ opinions and understanding of the objection handling results. The credit management department of the People’s Bank of China only guarantees that the “personal statement” is made by myself and is not responsible for the authenticity of the content of the statement.

Therefore, you don’t have to worry too much about the problem of personal credit report. If you need to change the personal credit report information, you can apply as long as you meet the above three conditions. Finally, I would like to remind all cardholders that once they discover that their credit cards have been stolen, emergency measures should be taken promptly to avoid major financial losses.