Chu Tiandou city signs up for reporter Zhou Dan
Experiment of reporter of Hunan day Metropolis Daily discovers, input the Id date that makes up at random, around inputs different full name twice, after paying, all can detect a report of so called credit.
Cha Zhengxin of tripartite APP does not rely on chart
The individual signs a letter namely individual news report, be equivalent to economic Id of the individual, recorded the loan of individual credit card, housing, record that owe tax to wait, by Chinese people bank the center that sign a letter consolidates management.
Citizen introduced from the northern and western nationalities or from abroad gentleman is mirrorred, before long he should consume loan before, financial orgnaization lets his show an individual to ask for a letter to report. He applies the search in the shop in the mobile phone, discovery is not little so-called can check the APP that signs a letter. In pay 39.8 yuan hind, made alleged credit report really, as actual as its nevertheless condition is complete not conform to. Stranger is, continue to raise refund to be able to optimize a few risks. Realize be cheated, introduced from the northern and western nationalities or from abroad gentleman is very indignant: "If have bad record really, paid money how possibly to be eliminated? Paid money how possibly to be eliminated??
Come day after day, reporter with " sign a letter " for the keyword, downloaded APP of much money mobile phone, undertake inquiring. Want to pay cost to use mostly among them, free item is less. One cries " credit does not have care " APP, check credit free, the reporter is informal on the net search photograph of a piece of Id, upload have a youthful look to report into credit, show have much platform leasehold application, among them P2P net lends an amount for 0. Same Id, the reporter changed number of a mobile phone detects again, p2P net borrowed quantitative instant to become 1.
The reporter changed photograph of a piece of Id to detect again subsequently, similar pattern is operated again, appeared twice to detect again the circumstance with differ result.
Still one cries " install Niu Youxin " APP, 8 days, after the reporter inputs his full name, made up at random an Id number, after paying 19.9 yuan, appeared risk of a blacklist detects report, clew has a bad record, 18% loan platform explain borrow percent of pass to will be affected.
9 days, the reporter is operated again, number of the Id before pressing this is fixed, changed a full name, pay again 19.9 yuan, generated to detect again unexpectedly report.
Central Bank clew is not right accredit of tripartite APP
The Id number that why inputs randomly, can you detect give credit to report? The reporter seeks advice " install Niu Youxin " customer service, customer service expresses, namesake is very much. "Namesake Id is size just in time guessed by me? " reporter inquiry. "In case so artful? " customer service says.
The reporter notices, in the user evaluation of many congener APP, "Deceive people " " be duped " " false " " rubbish " wait for an evaluation to be able to be found everywhere. Nevertheless, these negative opinions discharge the position after lean, the comment before leaning is the word of active affirmation mostly.
Home page of central official net is believed in Central Bank ask forring, the reporter sees, have clew of bright gules font banner: "The center that sign a letter not processes of any tripartite application provide authorization individual credit report inquires a service, please broad user notices " . That is to say, actual imperscriptible accredit approbates APP of these acting Cha Zhengxin on market.
3 kinds of normal channel can check individual credence
The reporter notices, this kind of many APP, want to upload Id photograph not only, even Gouxuan agrees with relevant agreement. "When you agree with this agreement, namely irrevocable already accredit the correlation that our company reach our company to our company square or the tripartite orgnaization that our company cooperate is collected, inquiry, collect, the pertinent information of use user. . . . . . " similar agreement exists extensively. That is to say, the user uses these APP to inquire the record that sign a letter, probable by " pilfer goes " individual privacy.
And, such a lot of APP and loan platform are direct and associated, can apply for loan in APP. The personage inside course of study is analysed, inquire through the relevant App that sign a letter the individual signs a letter, probable meeting is saved under the counter by tripartite platform, bring about information to divulge, bring about pertinent information possibly also to be sold other orgnaization, draw harass a telephone call, influence individual life works.
Personage of travel having silver expresses, the individual credence that checks through mobile phone APP reports, be not the government to ask for a letter to report, cannot regard conduction loan as the basis of business, effective use is not big. And, if inquire oneself individual signs a letter often, or will affect individual credence.
