Personal bad credit record can pay to clear Bank: is entirely deceptive-Bank personal credit-IT information
In order to be able to loan, some people blindly turned to claims on the network as long as money can help eliminate bad records of individuals or institutions. Spending money can you write off bad credit record? This "deal" from how to begin? How to protect a personal credit record?
Pay by deleting bad credit records is a violation of
China Merchants Bank branch in a loan account manager said Mr CHENG, even within the Bank staff have a bad record on your credit report, and have no way to, not to mention to help others remove credit blemishes. He said: "people have very strict provisions on credit management, is zero tolerance for illegal operations of credit, who will investigate, in the Bank and no one dares to do things that this lawlessness with their future. ”
Reporter note to, levy letter industry Management Ordinance 36th article pointed out that, without China State levy letter industry supervision management sector approved, unauthorized established business personal levy letter business of levy letter institutions or engaged in personal levy letter business activities of, by China State levy letter industry supervision management sector be banned, confiscated illegal proceeds, and at 50,000 yuan above 500,000 yuan following of fine; constitute crime of, law held criminal. In other words, the so-called "pay to remove bad credit record" is illegal. Subsequently, the reporter called rules of the credit information center's customer service call. Customer service said that credit information is transmitted over the line from the banks to the credit Center, computers operate automatically, without human intervention.
By deleting records 1000 Yuan to tens of thousands of Yuan
"Being miserable! I am obsessed too! "Liu Yu (not his real name) when they met reporters face down, he says he never fucks these" dishonourable ".
Liu said that an amount of credit card late payments in July 2013, own records, causing loan goes down when you apply for a car loan, in desperation, he found a claim to remove credit blemishes "agency Commissioner." "The end of April this year, I met online a person purporting to remove adverse credit history, he said that simply by people from within the Central Bank of China, you can erase bad credit records. But I'll be out of ' relations ', 1000 credit records by deleting article, 10,000 ' delete '. And I'm such a bad record, and therefore by agricultural Bank of China card transfer 1000 Yuan in the past. But after February, late payment records are still not eliminated, that person is gone, phone down ... ... I didn't know I was cheated. ”
Reporter investigations
Crook trail not face-to-face transactions
Reporters find a self-proclaimed "professional agent to eliminate bad credit record" people. Show bad records in the number of charges, each of 800 Yuan, an acquaintance introduced less, 600 Yuan a piece, 50% in advance, after the Elimination of payment balance. However, when reporters meet cash transactions, this man suddenly alarmed, has repeatedly said all agents do not meet transaction, is for "security reasons". Just talking on the Internet, then pay a deposit, final balance after record deletion, all over the network ... ... When reporters face-to-face transactions at ease when other referrals right away, didn't respond.
News in depth
Debunking remove credit blemishes scam
Journalists see have done "credit blemish" people's support (not his real name). He simply said: "we are using some people have luck rip-off. We will only contact with others on the Internet, never showed up, let them deposit, General 30%-50%, end and say delete, there is a man turned black, an account made a few as no, accounts at any time to change, nobody knows where we are. ”
People's support went on to say: "the Internet ' black credit intermediary ' through internal change, remove bad credit record is false. Some say by number of articles deleted, each 100-300 yuan, some head, a 2000-10000, anyway, your ' willing ' being cheated. And this sort of thing if you see is also embarrassed the police by cheating, after all, shameful. ”
In this regard, one veteran reporter inquired about the insiders, the person said, and personal credit records were modified situations there are two possible, one banking insider access to the system to modify, the other is hacking.
"At present, China credit system of security of Central Bank there is no doubt that central banking system, China is unlikely to capture changes. Through internal staff removed the credit system of the Central Bank of China, while in theory can be achieved, but in fact little feasibility, which is able to track, catch to bear criminal responsibility, nobody will pay for thousands of dollars to do such a foolish thing. "This person said.
"If there are special circumstances require additional staff person operating system, then this credit officers to be certified to provide the leadership, multi-layer approval of the Department at Headquarters to obtain permission to enter the system. After entering the system, every step will be automatically tracked and recorded, and China's Central Bank, will occasionally modify the password of the credit system, called ' delete credit record blemishes ' almost impossible. "The person added.
Officials also said a State-owned bank card centre, modify your credit record requiring layers of reporting and approval. Personal credit data related to commercial banks will be concentrated to upload once a month, is an automated process without human action in the process, the possibility of modifying the data to zero.
How to remove bad credit record?
Reporter carefully read the credit Center official website and after interviewing professionals understand that personal credit reports are issued by the credit institution of record is a personal "economic identity," and to protect it. If there is a stain and met her, and they don't understand the issues, the following points may help you.
1. understand your credit blemishes stored where? How to look up?
Reading: credit blemishes in a normal Bank is not available, to the people's Bank of China (around the branches can be) to query. Is in need of attention, 3rd annual starting pay 10 Yuan, enquiries and the first 2 times a year via the Internet to the counter query is free of charge.
2. do not knowingly produce "credit blemish" do?
Translation: there are three situations may let banks remove bad credit records.
Is caused by information being stolen, fraudulent use of record. In this case, user can be reported to the public security organs, loss of credit cards, banks in General will open the survey, if the confirmed credit card delinquency has nothing to do with the user would modify a user's bad credit records.
Second annual fees caused by adverse record. For an annual fee, banks informed of cases, there were overdue. Users being able to erase the bad credit records of individuals. While retaining good evidence, that produces an annual fee billing, you can keep.
Third, short for small debts late or any adverse record. Most banks have small tolerance tolerance service, tolerance amount is less than 10 fraction of capacity service in 3 days or less. If you have a bad credit record for this, can ask the Bank to withdraw.
3. how to erase bad credit record?
Interpretation: If you do not belong to the 2nd article says three conditions, adverse credit history but because of personal reasons, that would have to bear the consequences of relative--credit reporting agency personal information retention period, bad behavior or an event from the date of termination, should be deleted after 5 years.
4. don't understand credit reports should I do?
Explanation: you can call the rules of the credit information center customer service Tel 400-810-8866 or direct advice to the people's Bank of China branch.
5. the rules of the credit Center "blacklisted"?
Translation: PBC credit Center do not have "blacklisted". Credit information center just an objective to collect and display the customer's credit information, not to do any customer information evaluation
6. credit blemishes may cause to the lives affected?
Translation: when a person appears after a credit blemish, many aspects of life will be affected. Not only could not bank-related businesses, can't even buy an air ticket, unable to buy train tickets, train No matter where only buy hard seat, hotel accommodation cannot live only on the hotel, all your bank card will not pay for high-end consumer, if you be credit blacklisted life work, will be difficult.
个人不良信用记录只需交钱就能清除，银行：完全是骗人 - 银行,个人征信 - IT资讯
为了能顺利贷款，一些人盲目求助于网络上声称只要花钱就可以帮助消除不良记录的个人或机构。花钱真能把不良信用记录一笔勾销吗？这笔“交易”从何说起？该如何保护个人信用记录？
交钱删不良信用记录是违法的
招行某支行个贷部客户经理程先生表示，就算是银行内部工作人员的信用报告上有不良记录，也是一点办法都没有，更别提去帮别人删除信用污点了。他说：“人行在征信管理方面有非常严格的规定，对信贷的违规操作是零容忍，违者必究，在银行没有人敢拿自己的前途去做这种违法乱纪的事情。”
记者注意到，《征信业管理条例》第三十六条指出，未经中国国务院征信业监督管理部门批准，擅自设立经营个人征信业务的征信机构或者从事个人征信业务活动的，由中国国务院征信业监督管理部门予以取缔，没收违法所得，并处5万元以上50万元以下的罚款；构成犯罪的，依法追究刑事责任。也就是说，现在所谓的“交钱删除不良信用记录”是违法的。随后，记者拨打了中国人民银行征信中心的客服电话。客服人员表示，信用信息是通过专线从各家银行传送到征信中心，电脑自动操作，没有人为干预。
删条记录1000元至上万元不等
“遭坑惨了！我也是鬼迷心窍啊！”刘宇（化名）见到记者时一脸沮丧，他说自己再也不乱搞这些“旁门左道”了。
刘宇表示，在2013年7月份自己有一笔信用卡消费逾期还款记录，导致申请车贷时贷款下不来，情急之下，他找到了一个自称能消除信用污点的“代办专员”。“今年4月底，我在网上认识了一个自称能消除不良信用记录的人，他说只需要通过中国中央银行内部的人，就能删掉不良信用记录。但要我要出点‘关系费’，信用记录1000块删一条，1万元‘全删’。而我就这么一条不良记录，因此通过农行卡转了1000元过去。谁知2月过去了，逾期还款记录依然没有消除，那人却不见了，电话也停机了……我这才知道自己上当了。”
记者暗访
骗子露出马脚不敢当面交易
记者在网上找到了一个自称“专业代办消除征信不良记录”的人。对方表示，不良记录按条数收费，每条800元，熟人介绍可以少点，600元一条，预付50%，消除后支付尾款。但是，当记者提出见面现金交易时，这人顿时有所警觉，一再表示所有中介都不会见面交易的，是为了“安全起见”。只需在网上交谈，然后支付订金，最后在记录删改后付尾款，一切都得通过网络进行……当记者提出当面交易放心些时，对方立马下线，没了回应。
新闻纵深
揭穿删除信用污点骗局
记者见到曾做过“删信用污点”的赵兴（化名）。他直白地说：“我们就是利用一些人抱有的侥幸心理骗钱。我们只会在网上和别人联系，永远不会露面，先让他们交保证金，一般3到5成，然后说删了结尾款，那边钱一到手就把转款人拉黑，一个账号做几单就不用了，账户也是随时换的，没人晓得我们在哪里。”
赵兴接着说：“网上‘信用黑中介’能够通过银行内部关系修改、删除不良信用记录的都是假的。有的说按条数删，每条100—300元不等，有的按人头算，一次2000—10000元，反正就是看你‘愿意’被骗多少而已。而且这种事就算你发现被骗也不好意思报警，毕竟不光彩。”
对此，记者询问了某资深业内人士，该人士表示，个人信用记录被修改的情况有两种可能，一是银行内部人员进入系统修改，二是使用黑客手段。
“目前，中国中央银行运行的征信系统的安全性毋庸置疑，不大可能攻陷中国中央银行的系统进去修改。另外就是通过中国中央银行内部工作人员删除征信系统，虽然在理论上是可以实现，但事实上可行性微乎其微，这是能追踪的，抓住了要负刑事责任，估计没人会为了几千块钱做这种蠢事。”该人士说。
“如果出现特殊情况需要其他工作人员人为操作系统，那这名信贷人员要向领导提供证明，经过部门到总部的多层审批才能获得进入系统的权限。进入系统后，每一步操作都会被计算机自动追踪和记录，而中国中央银行还会不定期地修改征信系统的密码，所谓‘删除信用记录污点’几乎无法实现。”该人士接着说。
某国有行银行信用卡中心相关负责人也表示，修改信用记录需要层层上报和审批。各商业银行的相关个人信用数据每月会被集中上传一次，是一个自动化的过程，在这个过程中没有人为操作，修改数据的可能性为零。
如何正确消除不良信用记录？
记者仔细翻阅了人行征信中心官方网站和采访了相关专业人士后了解到，个人信用报告是征信机构出具的记录，是个人的“经济身份证”，要保护好它。如果出现了污点和遇到了自己搞不懂的问题，下面的几点或许能帮到你。
1.了解自己的信用污点存放在哪里？怎么查？
解读：信用污点在普通银行是查不到的，要到中国人民银行（各地的分行都是可以的）去查询。需要注意的是，每年第3次起的收费每次10元，通过互联网查询及每年前2次到柜台查询是免费的。
2.在不知情的情况下产生了“信用污点”该怎么办？
解读：有三种情况，可以让银行直接删除不良信用记录。
一是信息被人盗用、冒用引起的不良记录。这种情况，用户可以向公安机关报案，挂失信用卡，一般银行都会开启调查，如果确认信用卡逾期与用户无关，就会修改用户的不良信用记录。
二是因年费引起的不良记录。因产生年费，而银行无告知的情况下，发生了逾期。用户是可以要求抹除个人不良信用记录的。同时要保留好证据，产生年费的那期账单，可以打出来保留好。
三是因小额欠款、短时晚还造成不良记录。大部分银行都有小额容差容时服务，容差金额多在10元以内的零头，容时服务多在3天以内。如果因为这种情况而产生了不良信用记录，是可以要求银行撤销的。
3.不良信用记录如何抹去？
解读：如果不属于第2条所说的三种情况，而是因为个人主观原因产生的不良信用记录，那就得承担相对的后果了——征信机构对个人不良信息的保存期限，自不良行为或者事件终止之日起，5年以后应当予以删除。
4.看不懂信用报告应该怎么办？
解读：可拨打中国人民银行征信中心客户服务咨询电话400-810-8866，也可以直接向中国人民银行分支机构咨询。
5.中国人民银行征信中心有“黑名单”吗？
解读：中国人民银行征信中心没有“黑名单”。征信中心只是客观地收集和展示客户的信用信息，不对客户信息做任何评价
6.信用污点对生活可能造成什么影响？
解读：当一个人出现了信用污点后，生活上的很多方面都会受到影响。不但无法办理银行相关业务，甚至不能购买机票，不能购买动车票，火车不管到哪只能买硬座，住宿不能住酒店只能开旅馆，你名下的所有银行卡不能支付中高档消费，如果你被列入信用黑名单不管生活工作，都会寸步难行。