Personal credit authorization represents the basic information of a user, covering a lot of important personal information and a lot of personal data. However, when signing a personal credit authorization, there is no guarantee that this authorization will be strictly encrypted, which will easily make the content leak.
Personal credit authorization cannot be signed easily unless it is signed by a formal company or bank, because a lot of information in the credit authorization is leaked, so this phenomenon cannot be ruled out. Some users will inquire about personal credit information when handling related loan business. Credit information has always been a very important thing, and it is also the most important one of loans, because once the credit information problem is great, they are not eligible for loans. General banks need to sign letters of credit authorization with users when handling these businesses. Generally, signing a contract with a bank will not cause much problem, while signing a contract with a small company with online loans will easily lead to the disclosure of personal information. Therefore, you must pay attention when signing the personal letter of credit authorization, and you can't sign it casually, because the consequences after signing it may be very serious.
The power of attorney for personal credit information refers to the agreement signed with the bank to inquire about personal credit information with your consent. Because you have to get the user's consent before you can inquire about personal credit information from the credit bureau, and if you don't sign this authorization, the credit bureau will not provide your personal information to the company or bank you want to borrow, because personal information is very important, and user information will still be leaked after signing the authorization, so users can sign a confidentiality agreement with the borrowing bank or company after signing the authorization to protect their own interests from damage.
Legal basis: Article 9 19 of the Civil Code refers to the contract in which the client and the trustee agree that the trustee shall handle the client's affairs.
According to Article 920 of the Civil Code, the trustor may entrust the trustee to handle one or more specific affairs, or entrust the trustee to handle all general affairs.