If you check your credit report and find that there are problems, you can call the official phone number of the lending institution and ask customer service to further verify the objectionable records.

For example, when it comes to overdue credit card repayments, some users activate their credit cards but never use them. Usually people will think that I haven’t used them, so of course I don’t need to repay them. In fact, idle and activated credit cards will incur annual fees. If the annual fees are overdue, they will also be reported to your credit report.

For this kind of overdue record that is not subjective and malicious by the user, you can call the bank’s customer service number and ask the other party to issue a certificate of overdue violation that is not malicious by the user, and then submit the application to the credit reference center.

The objection handling process is as follows: If an individual believes that there are errors or omissions in the information in the credit report, he or she can personally or entrust an agent to submit an objection application to the credit reporting center or credit reporting sub-center, and the objection application will be accepted. The contact information of the Credit Reference Center can be found on the official website of the Credit Reference Center of the People's Bank of China.

After the Credit Reference Center accepts the objection application, it will contact the commercial bank that provided the objection information for verification, and will reply to the objection applicant within 20 days after accepting the objection application. After the specified 20 days, the objecting applicant can go to the credit reporting sub-center to receive a reply letter.

If it is determined that the person has overdue maliciously, such as the loan has been overdue multiple times or has been overdue for a long time, then the possibility of receiving support for the complaint is not very high.

So everyone can pay attention: cancel the idle credit card in time or check the bill repayment. If you borrow small loans such as Borrowing, Youqianhua, etc., you must pay back in time and maintain a good credit record.

Credit Report Complaint Handling Procedures

1. If an individual inquires about the credit report and finds any objection, he or she can submit an application to the lending institution (counter, customer service phone number) or credit report center.

2. Check at the lending institution (counter, customer service phone number) or credit reference center.

Legal basis:

"Regulations on the Administration of the Credit Reporting Industry"

Article 26 The information subject considers the credit reporting agency or information provider or information user Those who infringe upon their legitimate rights and interests may lodge a complaint with the local branch of the Credit Industry Supervision and Administration Department of the State Council.

The agency that accepts the complaint should verify and handle it in a timely manner, and respond to the complainant in writing within 30 days from the date of acceptance.

If an information subject believes that a credit reporting agency, information provider, or information user has infringed upon his or her legitimate rights and interests, he or she may directly file a lawsuit in the People's Court.