1. The blacklist of credit information is caused by the error of information input by staff, so you can bring your ID card to the credit information center of the local People's Bank to file an objection application.
2. If the overdue credit card is blacklisted, you need to wait for five years before the bad records will be automatically eliminated.
3. For the blacklist of credit information caused by non-malicious arrears, you can negotiate with the bank to ask the bank to issue a non-malicious overdue certificate and submit it to the People's Bank of China to apply for eliminating bad records.
The above are some solutions that can be taken in the face of the blacklist of credit information under different circumstances. It should be noted that the automatic elimination of bad records such as credit cards does not mean that repayment is not necessary, and overdue funds still need to be repaid.
Personal credit investigation refers to the activities that a legally established personal credit investigation agency collects and processes personal credit information, and provides personal credit information inquiry and evaluation services according to users' requirements. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting the information collected according to law.
as of 215, the database contains 87 million natural persons, of whom 37 million have credit records.
in may p>219, the new personal credit information was officially published, and the length and fineness of credit information will be further improved.
on September 3, 221, the Measures for the Administration of Credit Information Business was deliberated and adopted at the 9th Executive Meeting of the Central Bank in 221 on September 17, 221, and is hereby promulgated and shall come into force as of January 1, 222.
at present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of social credit system, credit reports will be more widely used in various fields such as commercial credit sales, credit transactions, recruitment and job hunting. In addition, the personal credit report also provides the inquirer with a way to examine and standardize his own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information:
1. Personal basic information to identify individuals and reflect their family and occupation;
2. Personal credit information formed by personal credit relationship with financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. The public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
Influencing factors
The main factors that may affect the personal credit risk score are: overdue repayment in the loan, failure to repay the loan according to the agreed time limit and repayment amount after the credit card is overdrawn, or too many loan accounts and credit cards, etc.
Article 25 of the Regulation on Credit Information Management
: If the information subject thinks that there are errors or omissions in the information collected, saved and provided by the credit information agency, he has the right to raise objections to the credit information agency or information provider and ask for correction.