Although the current system that sign a letter has not collect individual water,capture of cost, charge of electricity expends information. But public utility " after be being consumed first, pay " capture expends information, borrower can mirror on certain level repay apiration, be done not have especially or the information principal part with credit less notes, conduce to these main body obtaining credit.
Origin | Guo of reporter of newspaper of business of Chongqing of upriver news · is thriving
The closest period of time, about " 2 generation sign a letter " the hearsay flies all over the sky. Have say new edition asks for letter report to will be enabled formally in May, have say to find new job often to change telephone number to also want to bring into the record that sign a letter even, also will exceed the time limit of some charge of electricity saying water also keep bad record... the truth after all how? Once is exceed the time limit met,form bad record? How does demur of hold of the report that sign a letter do to the individual?
On April 22, net of Central Bank official releases an information, first relatively comprehensive a few big change that unscrambled new edition to ask for a letter to report, go up about the market rife the view that new edition will enable in May, say frankly " go up without what make clear line schedule. Say frankly " go up without what make clear line schedule..
Have why to differ?
Added the information such as citizenship and collective borrower
Central Bank introduction, the report of new edition credit that plans to roll out and phase of current credit report version are compared, added a few information, be like: The individual added the information such as citizenship in basic message, collective loan, individual increased to assure for legal person in credit information, legal person assures for the individual wait for information. Additional, the information that new edition credence reports updates frequency to will promote further, credit reports revealed means to also undertake the part is optimized.
Upgrade with respect to this second only and character, because upgrade,the orgnaization that around sends data to newspaper of the system that sign a letter and data sort do not have big change, accordingly, the influence that lives to individual economy won't produce too big change.
Forget the charge of electricity that deliver water also can keep bad record?
Have not collect capture of water charge of electricity to expend information
The Central Bank expresses about chief, the current system that sign a letter has not collect capture of individual water cost, charge of electricity to expend information. But public utility " after be being consumed first, pay " capture expends information, borrower can mirror on certain level repay apiration, be done not have especially or the information principal part with credit less notes, conduce to these main body obtaining credit.
For instance, the center that sign a letter collects individual telecommunication to regular pay is expended and owe cost information, owe cost information to be collected only among them owe the information that expends 2 months above.
And in new edition credence the report designed what the public utility capture such as water, report, telecommunication expends information to show a pattern, but when be being collected actually, the center that sign a letter will talk things over with unit of relevant data source, will fulfil strictly " draft the regulation that believe industry " thirteenth " collect individual information to ought to agree via information him main body, agree to must not be collected without oneself " regulation, newspaper of the ability after accredit of information main body agrees is obtained to send data in data source unit.
When to enable?
Still do not have specific timetable
According to Central Bank exposure, current, individual and enterprise ask for letter system to already gathered the information of twenty-five million nine hundred and eighteen thousand 990 million natural person, enterprises and other organization, receive an orgnaization respectively 3564 mix 3465, inquiry quantity achieves year 1.76 billion times to be mixed 110 million times respectively.
Early before market talk Central Bank asks for letter center already from last year the end of the year begins to try run new edition individual to ask for a letter to report, will go up formally probably in May line.
Chinese people bank asks for letter center to say frankly about chief, to satisfy the requirement signing a letter of financial orgnaization and social all circles better, the center that sign a letter is timely started new round system upgrades optimize the job. This also is the 2 generation that place of social all circles says the system that sign a letter builds the job. Ask for letter system to upgrade at present optimize the job in still undertaking becoming, go up without what make clear line schedule. Financial orgnaization and the credit report that social community inquires did not change, not be report of credit of so called new edition.
Can be bad record put in how long?
Storage life is patulous to 5 years
The system that sign a letter establishs mechanism of credit information rehabilitate, the storage life of bad to the individual news, from bad behavior 5 years perhaps are since the day that incident ends, delete more than 5 years from inside credit report after deadline.
The personage inside course of study reminds, if just happen exceed the time limit, should connect customer service for a short while and seasonable reimbursement, won't create undesirable credence record commonly. Notable is, after cannot forming bad record again, the choice sells card " wash white " , want refresh credit card record of relevant exceed the time limit, be about to continue to use credit card, accomplish consumptive hind during this on schedule reimbursement, let bad record be recorded to update by new credit.
How does the record have different view to do to individual credence?
Direct Xiangzheng believes center or bank demur application
According to introducing, information main body disagrees to counterpoise and correct authority. The center that sign a letter begins demur to handle the work seriously jointly with financial orgnaization, raise demur to handle efficiency ceaselessly, the demur processing that ensures information main body gets seasonable, major and information correct service.
If the individual is right credit record hold is different opinion, portable oneself are effective Id, to local Central Bank demur of the center that sign a letter applies for. If be to answer,bank account creates individual credit the record is bad, should provide relevant evidence seasonable with " experience thing " the bank gets in touch, ask its delete bad record.
2018 annual, the center that sign a letter accepts individual demur to apply for 41 thousand in all, demur reply is led 99.6% , demur is solved rate 99.2% .
Ask for letter center to also remind at the same time, the individual also should strengthen the protective consciousness that him credence records. Identity document of custodial good individual, identity document photocopy should make clear utility; Keep good individual credence reports, do not discard at will credit report, do not provide credit report to other business organization easily; Inquire in public network, after saving credit to report, want to be deleted in time.
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