A credit report is required for entry, but I want to change it, can I change it?

Credit report due to certain objective factors.

Yes, you can change it, but you have to apply to the bank, and the bank will help you change it after it is approved. The credit report is the customer credit report summarized by the bank, and it can indeed be modified if the following situations occur.

The first situation is that the credit investigation bad credit record has been recorded for more than five years. In accordance with the "Regulations on the Administration of the Credit Reporting Industry".

It is provided that credit reporting establishments shall retain negative personal information for a period of five years, and shall delete it if it exceeds five years. If the bad credit record persists after five years, the credit bureau will be ordered to rectify or face penalties. So if you find that you have a bad record from five years ago that still exists, you can ask for deletion.

The second situation is that if your personal information is stolen or fraudulently used, the credit card or loan you apply for is overdue, resulting in a bad credit record. In this case, you should think about the public security department.

Report the case and go to the bank to fill out a statement denying the card or loan. Once you confirm that what you say is true, the bank will immediately help you correct the bad record.

The third situation is that some special groups have bad credit records due to special events. For example, war correspondents.

Armed police, medical personnel, because of emergencies.

If there is an overdue, such a person can go to the workplace to issue a relevant certificate and submit it to the bank, and the bank will help you correct the bad record after approval.

The fourth situation is a bad credit record caused by the negligence of the bank or credit bureau. For example, if there is an error or omission in the bank's collection of your personal credit, you can raise an objection to the bank and ask for correction, and the bank will help you modify the credit record after verification, if it is indeed their work error.

Extended information: Regulations on the Administration of the Credit Reporting Industry

Article 25: Where information subjects feel that there are errors or omissions in the information collected, stored, or provided by credit reporting establishments, they have the right to raise objections to the credit reporting establishments or information providers and request corrections.

Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct verification and handling within 20 days of receiving the objections, and reply to the objectors in writing on the outcome.

Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information provider or credit reporting establishment shall make corrections; where it is confirmed that there are no errors or omissions, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

For the first time I came into contact with credit information, I only knew that the credit report was related to my own reputation, but I didn't know what it meant. Now, with more applications in life and work, I have gradually learned about the application of credit reports and the impact and role of credit reporting.

If you need to be hired, you can still beautify the paper, if it is used for other purposes, you can't beautify the credit, as long as it is what you want, you can do it.

Now there are more and more places to use credit in life, especially now that many units have to pay credit, we usually pay attention to repaying credit card loans on time, otherwise it will cause credit overdue, and more serious will be bad debts. Those overdue and doubtful debts will be kept for up to 5 years, which will affect their lives.

Legal analysis: It is reasonable that under normal emotional rift circumstances, it is not considered infringement for the employer to require the employee to provide personal credit information. Credit reports are divided into personal credit reports and enterprise credit reports, which are records of personal credit information issued by the Credit Information Center of the People's Bank of China and used to inquire about the social credit of individuals or enterprises.

Since the relevant authorities have not clearly stipulated the statute of limitations for negative records, in the old version of the personal credit report, overdue records will be displayed regardless of how many years ago. The new version of the credit report only shows the consumer's overdue history within the last five years.

Legal basis: Article 13 of the "Regulations on the Administration of the Credit Reporting Industry" The collection of information on individuals shall be based on the consent of the information subject, and must not be collected without the consent of the individual. However, information disclosed in accordance with laws and administrative regulations is excluded.

The information of the directors, supervisors, and senior management of the enterprise related to the performance of their duties shall not be regarded as personal information.

So that the company can better understand the applicant's credit history and credit profile.

A credit report is a document used to assess an applicant's credit profile and ability to repay. In the financial industry, credit reporting is very important because financial institutions need to understand the credit history and borrowing history of customers in order to make better decisions. These agencies need Linghui to ensure that the relationships they build with their customers are reliable, and credit reporting is one of the important tools to assess the creditworthiness of customers.

Therefore, it is necessary to submit a credit report when joining the company, so that the company can better understand the applicant's credit history and credit status.

Therefore, Liang Shoulu basically does not need a credit report to join the company, but some units will also have special requirements. Generally, the company only needs to provide your academic certificate, a copy of your ID card, a one-inch photo and other more conventional documents, and generally does not need a credit report. If there is such a request from a company, it is recommended to be cautious, because credit investigation is a professional and independent third-party agency to establish credit files for individuals or enterprises, collect and objectively record their credit information in accordance with the law, and provide credit information services to the outside world in accordance with the law.

What do you need an original ID card for?

During the employment period, the unit requires the employee to provide a copy of the ID card, which is generally considered to be used for the retention of the employee's file or the information that needs to be entered in the relevant system data registration.

According to the provisions of the Labor Law, it is legal for an employer to require an employee to provide a copy of the resident ID card, and the employer may collect the copy of the employee's ID card, but the original ID card of the employee cannot be withheld. When an employee signs a labor contract with the employer, the employer has the right to obtain an ID card from the employee to verify his or her information, and can also be responsible for the original ID card for the record, as long as the employer does not withhold the employee's ID card, it is a legal act.

Can I not give a household registration book when I join the company?

A copy of the household registration book is required for management. A copy of the household registration book is required for the entry of the unit, which is the requirement of individual units for the entry of employees, and is for the needs of the personnel management of the unit, and there are no relevant provisions in the current laws and regulations, so it is not illegal, it is reasonable, for example, there are many addresses on the ID card that do not match the address on the household registration book. In addition, the file management of college students is relatively chaotic now, and the ID card is the collective household registration of the school before, but after graduation, the file either returns to its hometown or goes to the talent market; Some of them don't even know where their files have gone!

Therefore, many business owners will require a copy of the household registration book for the sake of insurance.

Legal basis. Article 13 of the "Regulations on the Administration of the Credit Reporting Industry" The collection of personal information shall be based on the consent of the information subject, and must not be collected without the consent of the individual. However, information disclosed in accordance with laws and administrative regulations is excluded.

The information of directors, supervisors, and senior managers of the company related to the performance of their duties shall not be regarded as personal information.

Paper-based can refer to entry, job hunting is paper-based, paper-based changes are no problem, and the company is also looking