With the increasing prosperity of the financial market, the construction of the personal credit system is also becoming more and more perfect. However, there have been some illegal activities in the name of "credit repair" in the society recently, which has brought great risks to consumers. Warm reminder of Weishi financing guarantee: credit repair is not a pie!
In recent years, with the advancement of the construction of the personal credit reporting system, the personal credit report has become an important basis for measuring personal credit. However, some criminals take advantage of consumers' emphasis on personal credit and carry out fraudulent activities in the name of "credit repair". By publishing false advertisements and impersonating the staff of financial institutions, they induce consumers to entrust them to "protect their rights", require consumers to provide sensitive information involving personal privacy, and even instigate consumers to ignore the contract and fabricate facts to make complaints or reports.
The actions of these illegal organizations or lawbreakers not only seriously damage the legitimate rights and interests of consumers, but also disrupt the normal financial order. They take advantage of consumers' worries and anxieties about personal credit, deliberately confuse the concept of credit reporting objections, and mislead information subjects into believing that the correctly recorded credit information can be changed or deleted. In fact, according to the "Regulations on the Administration of the Credit Reporting Industry" and other provisions, both credit reporting agencies and commercial banks and other information providers have the obligation to truthfully report credit information, and have no right to arbitrarily change or delete negative information displayed on credit reporting reports.
Therefore, consumers should be vigilant and do not believe any false propaganda to eliminate bad credit to avoid being deceived. So, in the face of personal credit problems, how should we solve them?
First of all, consumers should master certain financial knowledge and use the content of financial products or services correctly. When purchasing financial products or services, you should choose according to your own needs and ability to repay. For example, when using credit cards or loan products, the amount of loan available for the product should be comprehensively considered and the actual repayment ability. Only in this way can unnecessary credit problems be avoided.
Second, if consumers have objections to the information in their personal credit reports, they can submit an objection application to the credit bureau or information provider through formal channels. In accordance with the "Regulations on the Administration of the Credit Reporting Industry", information subjects have the right to raise objections to credit reporting establishments or information providers and request corrections. Credit reporting objection is essentially an error correction mechanism that "corrects mistakes", which is different from the repair carried out to restore credit after "dishonesty". Objections are handled simply, quickly, within a short time limit and without any fees.
Finally, consumers should raise their awareness of self-protection and strengthen the protection of personal information. Do not easily leak your identity information, financial information, etc. to others, or entrust others to "protect your rights", so as to avoid economic losses caused by illegal use, leakage, or trading of personal information. In case of criminals stealing or illegally using personal information, using ** complaints to report or fraud, etc., consumers should report to the public security organs as soon as possible to ensure personal and property safety.
Weishi Financing Guarantee once again reminds consumers: be wary of the risk of "bad complaints and reports", do not easily disclose personal information, protect personal credit security, and jointly promote the healthy and orderly development of the financial market