Hello, my personal credit report has been photographed by others, is it harmful?

Yes, there is a certain impact.

1.Personal credit is photographed, which may leak personal information: Causing personal information to be stolen, at this time, ** will use your credit card to overdraft the debt, and someone will buy your personal information and your ID card.

Bank credit online fraud, dealing with a variety of credit cards from banks, malicious overdraft consumption, owed to the bank can directly urge the form to send to the target host of the cost of the ID card, so that since then, your personal credit will appear bad records, affecting the personal credit problems in the later stage. There is also the possibility that illegal companies will come to your door to scam you. Because they know your personal information, make up some sensational news, and when you are upset, can make bad judgments and commit fraud in panic.

2.Personal credit was photographed: There may be a steady stream of spam messages, so CCTV met twice in a row on March 15.

It's no surprise that spam text messages are on. The latest news is that the base station can act as a sending center to send text messages to mobile users in the coverage area of the base station. This SMS system can send 15,000 SMS messages every 10 minutes; Harassment ** one after another, it turns out that only friends, classmates or relatives know**, there will often be strangers calling, some selling insurance, some selling decoration, some selling baby products.

You may be wondering how they know your ** number and how many times your information has been sold.

3.Personal credit investigation is photographed: It is possible that the account deposit is missing, and for some people who dare not spend money online, the biggest obstacle is the fear of information leakage; Some criminals get your ID card, report the loss of your bank account or credit card account, and then reissue your card and set a password, and if you don't use the card for a long time, the money inside may be gone.

Extended Materials. There are two situations in which personal credit inquiries are authorized:

First, in order to understand your personal credit report, banks and other authorized financial institutions generally authorize the lending institution to view your personal credit report by default when handling loans.

to determine the loan amount and accurately measure the risk.

Second, for the needs of judicial review and administrative management, judicial organs and ** organs do not need authorization to inquire about personal credit reports. Actions that will be included in credit checks.

No, personal information leakage is serious now, and you're nothing.

But it's best not to give the first page to anyone else.

It doesn't matter, it's okay to take a picture and show it to others, it won't be harmful, as long as you don't disclose your personal password and verification code, it won't cause economic losses.

I took a picture of my personal credit report to others, and I think it is no harm, because I think that just taking a picture of the credit report is not a valid document.

All personal privacy information may cause harm, including personal credit, relying only on other people's private information, although it cannot directly cause harm, but some people can operate in violation of regulations.

In any case, don't take pictures of personal credit to others, after all, these belong to your own private information, I hope you can understand.

Summary. Hello dear, it is a pleasure to serve you <>

It has an impact to report the credit report to others. It is illegal to give personal credit to others. Personal credit is your "economic SFZ", which records all your social credit records, including bank debt repayment, credit transactions, contract compliance and compliance with laws and regulations.

Your own interests are seriously at stake. If you give your personal credit to others, firstly, you will be illegal, and secondly, it will cause distortion of your credit history.

Is there any impact on reporting the credit report to others?

Hello dear, it is a pleasure to serve you <>

It has an impact to report the credit report to others. It is illegal to give personal credit to others. Personal credit is your "economic SFZ", which records all your social credit records, including bank debt repayment, credit transactions, contract compliance and compliance with laws and regulations.

Your own interests are seriously at stake. If you give your personal credit to others, firstly, you will be illegal, and secondly, it will cause distortion of your credit history.

Extended information: There is a certain risk of sending your credit report to others, although the risk is very small, but if it is used by someone with a heart, there will be the following situations: 1

Personal information leakage: The credit report contains the individual's name, SFZ, ** number, address, occupation and marital status and other information, which is easy to be fraudulently used; 2.Harassment:

If personal information is put on the Internet, a series of promoters will harass the user; 3.Fraud: Criminals use a user's personal information to defraud the user's family and friends.

Summary. There is a certain danger in sending credit to others. If a personal credit report is used by criminals, the following consequences will occur:

1. Exposure of personal information: The credit report will record the user's name, ID card, ** number, address, professional marital status and other information, and there is a risk of personal information leakage if it is sent to others. 2. Committing fraud:

Criminals use users' personal information not only to steal users, but also to deceive users' relatives and friends. 3. Harassment: Now there are a lot of packaged and sold personal information on the Internet, and user information may also be sold to criminals, and may be harassed.

There is a certain danger in sending credit to others. If personal credit is used by criminals, the following consequences will occur: 1. Exposure of personal information:

The credit report will record the user's name, personal stance, personal number, address, professional marital status and other information, and there is a risk of leakage of personal information when sent to others. 2. Fraud: Criminals use the user's personal information, not only to steal the user, but also to deceive the user's relatives and friends.

3. Harassment: Now there are a lot of packaged and sold personal information on the Internet, and user information may also be sold to criminals, and may be harassed.

It's what happens when a friend takes out a loan.

It is a very simple thing to check the loan records on the credit report to find the person who falsified the information to defraud the loan.

Your credit will not be easily taken out of loans by others.

There is also what does it mean to exchange credit information, my friend said that his credit is low and he can't take out a loan, so he wants to use my credit loan.

No, dear.

You'd better not agree to this, and use someone else's credit to take out a loan, and the relevant authorities can find out.

What will be the consequences?

It has a great impact on you, and if he is not on the age of one, he is likely to be suspected of loan fraud, because of fraud, with your credit money, you are **, his credit is not good, and you still help him. Do you think that you have no responsibility at all to use your credit to help Mu Jing take out a loan?

Well, that's why I'm here to ask you.

Uh-huh, big impact.

The personal credit report is for yourself, for your own use, for others? Leaking your privacy?

Therefore, it is useless to give credit reports to others.

Only when we take out a loan in the bank, the bank will print a personal credit report from the system to see if there is a bad record as a judgment on whether to handle it or not.

The credit report is recommended not to be given to others easily, if it is given, there may be a risk of personal information leakage. Therefore, even if you want to show it to others, you must first mosaic important private information to avoid personal information leakage and unnecessary trouble and impact. Generally speaking, as long as the information is not maliciously leaked, there is no big risk.

As we all know, personal credit is equivalent to everyone's credit pass today, which records the past credit behavior of each of us, and these behaviors will affect our future economic activities. Especially because the online loan is overdue on the credit report, and the bad credit record is left on the credit report, whether it is a car loan or a housing loan in the future, or a credit card, it may be rejected.

Just search: Blue Ice Data. Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

In short, the consequences of overdue online loans on credit are very serious, so if the borrowed online loan is on credit, then you must repay on time, don't easily overdue, otherwise if you are overdue on the credit report, there will be a credit stain, and it will take five years to be able to "launder" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.

If you report your credit to someone else, it will be illegal first, and secondly, it will cause distortion of the information record.

Legal Analysis: Yes. If a personal credit report is used by criminals, the following consequences will occur:

1. Exposure of personal information: The credit report will record the user's name, ID card, ** number, address, occupation and marital status and other information. 2. Committing fraud:

Criminals use users' personal information, steal users, and even deceive users' relatives and friends. 3. Harassment: After user information is sold to criminals, it will cause harassment to users.

Legal basis: Article 38 of the "Regulations on the Administration of the Credit Reporting Industry" Where credit reporting establishments or basic financial credit information database operating bodies violate these Regulations by imitating any of the conduct listed in the following judgments, the department for the oversight and management of the credit reporting industry or its dispatched agency is to order corrections to be made within a set period of time, and give the unit a fine of between 50,000 and 500,000 RMB; The directly responsible person in charge and other directly responsible personnel shall be fined between 10,000 and 100,000 RMB; where there are unlawful gains, the unlawful gains are to be confiscated. where losses are caused to the information subject, civil liability is to be borne in accordance with law; where a crime is constituted, criminal responsibility is pursued in accordance with law

1) Stealing or otherwise illegally obtaining information; (2) Collecting personal information that is prohibited from being collected, or collecting personal information without consent; (3) Illegally providing or ** information; (4) Leaking information due to negligence; (5) Failure to delete negative personal information within the time limit; (6) Failure to follow provisions to verify and handle objection information; (7) Refusing or obstructing the departments for the oversight and management of the credit reporting industry or their dispatched bodies from inspecting or investigating, or not truthfully providing relevant documents or materials; (8) Other conduct that violates the rules for credit reporting operations or infringes on the lawful rights and interests of information subjects. Where credit reporting establishments operating personal credit reporting operations exhibit any of the conduct listed in the preceding paragraph, and the circumstances are serious or serious consequences are caused, the department for the oversight and management of the credit reporting industry is to revoke their personal credit reporting business licenses.

Summary. Dear, glad to answer for you! It is dangerous to send credit to others, credit information contains personal credit information and financial status, if it is leaked into the hands of criminals, it will lead to the loss of personal assets and the impact of credit records, credit should be kept confidential and should not be sent to others at will, so as not to cause a situation that will not occur.

I would like to ask if it is dangerous to issue a credit investigation license to someone else.

Dear, I'm glad to answer the shouting wheel for you! If it is leaked to criminals, it will lead to the loss of personal assets and the impact of credit records, and the credit should be kept confidential and should not be sent to others at will, so as not to cause an uproar in the situation.

Knowledge credit is photographed and sent to others.

Yes, only took a photo and sent it to someone else.

It's just that if you take a photo and send it to someone else, it's generally fine, as long as you don't give the other party a paper credit report, it's fine.

I have a friend who wants to take out a loan and wants me to be an insider for her, and the loan company says it wants to see my credit.

My friend took it, and it's okay without the original, right?

It's okay. As long as you don't give the other party the original paper, you'll be fine.

I would also like to ask how long it takes for a class loan to be credited.

Generally, it takes within a year.

Kiss, expand for you! Article 8 of the "Regulations on the Administration of the Credit Reporting Industry" stipulates that the directors, supervisors, and senior managers of credit reporting establishments that operate personal credit reporting operations shall be familiar with the laws and regulations related to credit reporting operations, have experience in the credit reporting industry and the ability to manage the credit reporting industry as needed to perform their duties, have no record of major violations of gross laws or regulations within one year, and obtain qualifications for positions approved by the departments for the oversight and management of the credit reporting industry. Article 325 stipulates that an individual's credit reporting information is protected by law and must not be illegally obtained or disclosed.

Where credit reporting establishments engaged in personal credit reporting business establish branches, merge or divide, change registered capital, or change shareholders whose capital contributions account for the company's total capital or whose shares account for the company's shares, the credit reporting industry oversight and management departments approve approval. Where credit reporting establishments operating personal credit reporting operations change their names, they are to handle filing with the departments for oversight and management of the credit reporting industry. Quietly.

I mean the credit report is hit, and if you want to take out a loan for a few days, you can't use it.

If you want to take out a loan, you can still use it in a few days.

It can be used for a month after the credit report.