It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations. Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.
Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free. When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.
Legal basis: Article 19 of the Regulations on the Administration of Credit Information Industry.
If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.