What are the obligations of individuals in credit reporting activities?

The right to know, the right to consent, the right to rebuild credit records, the right to correct errors, and the right to judicial remedies

1. The right to know: The first thing we have in the face of credit reports is the right to know. The so-called right to know means that each of us has the right to know and check the content of our credit report, and the right to know what information the credit bureau has about us, including but not limited to:

The right to know that this institution has collected its own information from **, what specific data it has collected, how the institution has processed it, and which institutions have provided data to it. You can bring the original and copy of your ID card to the credit information center for inquiry; You can also bring valid documents to the self-service inquiry machine for inquiry; Check at the Credit Information Center**.

3. Rebuild the right to credit history: For people who have a "stain" on the credit report, you are not without the opportunity to reform themselves, and being on the "blacklist" of the credit reporting system does not mean that you will have no chance with the financial business from now on, but you will pay a longer time and pay more price! It will take 5 years from the date of the payment of the arrears to be cleared and you can start accumulating good records again.

We have the right to rebuild our credit, but the time it takes to go through in the process is very long, which shows the importance of repaying on time and in full, without the occurrence of overdue.

Fourth, the right to correct errors: although the credit information system cannot modify or delete the data of the credit report on its own, nor will it judge the behavior of individuals, but the data submitted will be truthfully recorded, if you think that your credit report is "wrong", then you have the right to request correction.

V. The right to judicial remedy: There is also a right in the personal credit report, that is, the right to judicial remedy, the so-called right of judicial remedy means that if an individual believes that the information in the credit report provided by the credit reporting agency is incorrect, harming the interests of the individual, and still cannot get a satisfactory resolution after raising an objection to the credit reporting agency, he can also file a lawsuit with the court, and use legal means to protect the individual's rights and interests.

Personal credit records are stored in the credit information system of the People's Bank of China, you can try to log in to the credit information center of the People's Bank of China** to check the credit report: please click here: check personal credit history; At present, we also check personal credit reports through our counter and professional version (no fee is charged for the time being).

Individuals' obligations in credit reporting activities include the following:

1.Provide the true information of the celebration burial. Individuals shall provide true, accurate, and complete personal information, including personal identity information, work information, financial information, and so forth.

If you provide false information, you will have serious credit risk and legal risk to yourself.

2.Authorize credit reporting establishments to make inquiries into personal credit information. Individuals shall sign a letter of authorization authorizing credit reporting establishments to make inquiries into individuals' credit information.

Credit reporting agencies will inquire about an individual's credit history, overdue record, credit score and other information based on authorization, which will have an important impact on the individual's credit evaluation.

3.Keep your personal information up to date. Individuals shall promptly update their personal information in credit reporting activities.

There are four main rights of individuals in credit reporting activities. They are the right to know the situation, the right to object, the right to correct errors, and the right to judicial remedies. 1.

Individuals can also get a copy of their own credit report for free.

2.Right to object: If you have different opinions on the information in your credit report, you can raise it with the credit bureau, and the credit bureau will handle it according to the procedures.

3.Right to Error Correction: If it is confirmed that there is an error in the information recorded in your credit report, you have the right to request the data reporting machine and the credit bureau to correct the error information.

4.Right to judicial remedy: If you believe that the information in the credit report provided by the credit bureau is incorrect, which damages your interests, and the problem cannot be satisfactorily resolved after you raise an objection to the credit bureau, you can also file a lawsuit with the court to protect your personal rights and interests by legal means.

In addition, anyone has the opportunity to start building their credit history all over again. Negative information such as overdue repayment is not recorded in an individual's credit report forever, and in foreign countries, most negative records are kept for 7 years, bankruptcy records are kept for 10 years, and inquiry records are kept for two years. Therefore, even if an individual is indeed unable to repay their debts due to various reasons, these negative records will not follow for a lifetime.

So, never be discouraged, anyone can start over building their credit history and start all over again.

Purpose: To comprehensively judge the degree of filial piety of employees. Now the status of credit is getting higher and higher, and now many units will let employees provide personal credit reports when employees enter the company, after all, credit reflects the user's sense of responsibility to a certain extent, reflects the user's trustworthiness in daily life, and as an enterprise, it is natural to hope to get loyal and trustworthy employees.

Impact of Credit Reporting:If there is a serious stain on the credit report, such as malicious default on loan non-repayment, etc., it will lead to the borrower not being able to take the plane and high-speed train, not being able to stay in a star-rated hotel, affecting the children's schooling, etc., and at the same time, it will also restrict the leasing of high-end office buildings, hotels, apartments and other places for office, and restrict the payment of high premiums to purchase insurance and wealth management products.

All in all, if there is a stain on the credit or there is a major stain, it will affect life, so we must repay the loan on time when using the relevant credit products. For example, when using a credit card to repay on time, don't owe water, electricity, gas and other expenses, and don't easily guarantee others.