If you have different opinions on the credit report, you can go to the data reporting agency that has business dealings with you to verify the situation and settle it through consultation, or you can file an objection application with the Credit Management Department of the People's Bank of China. Article 3 of the Regulations on the Administration of Credit Information Industry stipulates that credit information business and related activities shall abide by laws and regulations, be honest and trustworthy, and shall not endanger state secrets or infringe on business secrets and personal privacy.
credit stain
In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.