Editor's note: Does new edition impose letter system the line on May? The circumstance owing cost such as water cost, charge of electricity and electric telephone bill plan believe a record into individual ask forring? Will be individual reimbursement record lengthened come 5 years to reveal? Husband and wife is in debt jointly will by on record, "False divorce " buy a room to won't do? Recently, about new edition individual the message of the report that sign a letter brushs screen again and again. If paying close attention to in the light of these public height, inscribe, relevant controller responded to the Central Bank today.
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Report of new edition credit and at present the distinction of version
Added the information such as citizenship and collective borrower
The report of new edition credit that plans to roll out and phase of current credit report version are compared, added a few information:
The individual increased citizenship to wait in basic message;
Collective loan, individual increased to assure for legal person in credit information, legal person assures for the individual etc;
Additional, the information that new edition credence reports updates frequency to will promote further.
New edition signs a letter in the report, "Collective loan " information increases, will let such blaming divorce to buy a house afternoon in the morning before phenomenon, make the history.
In addition, new edition asked for letter report to still increase to show credit card " month of half an year all should return amount recently " , this also is meant " tear open east the wall fills on the west wall " " raise card in order to get stuck " the day also is gone forever.
To the individual character, be in in the future anyplace break one's promise, may be asked for to believe report on record by new edition individual. When the individual applies for loan, no matter be the room is borrowed, the car is borrowed or consumption borrows money, financial orgnaization great majority can examine an individual to ask for a letter to report first. Accordingly, ask for letter report to once keep negative record,go up, may affect credit approval.
When is report of new edition credit enabled?
Still did not make clear schedule
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 you collect water to expend the capture such as expenditure of charge of electricity to expend information?
Have not collect water to expend capture of charge of electricity to expend information
Collect telephone bill of 2 months above to owe cost information only
Current, the system that sign a letter has not collect capture of individual water cost, charge of electricity to expend information.
2006, 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.
The stencil that reports with active credence is same, report of new edition credit 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.
Bad record keep how long?
Keep 5 years, after exceed the time limit instantly reimbursement
Won't form bad record commonly
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 expert reminds, if be the exceed the time limit that just happens, should connect bank customer service instantly and seasonable reimbursement, won't create undesirable credence record commonly.
Attention! Cannot sell card instantly after forming bad record. Want the record of exceed the time limit related refresh credit card, be about to continue to use credit card, accomplish consumptive hind during this on schedule reimbursement, let bad record be updated by new credit record place.
How does the record that sign a letter have different view to do to the individual?
Believe a center to Central Bank ask forring directly
Demur of relevant perhaps bank applies for
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.
The expert inside course of study expresses, if the individual disagrees truly to credit record, portable oneself are effective Id, to local Central Bank demur of the center that sign a letter applies for. If because bank account creates individual credit,be,record undesirable, should provide relevant evidence seasonable with " experience thing " bank connection, ask its remove bad record.
How had defended oneself record that sign a letter?
Report of credit of custodial good individual and identity information
The center that sign a letter reminds:
1, want identity document of custodial good individual, identity document photocopy should make clear utility;
2, report of credit of custodial good individual, do not discard at will credit report, do not provide credit report to other business organization easily;
3, inquire in public network, after saving credit to report, want to be deleted in time.
The expert inside course of study also reminds, not credulous other or because covet is small,identity document of benefit lend individual and bank get stuck, also do not upload the information such as oneself Id photograph in the website that does not rely on chart or platform, lest bring needless trouble.
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