In view of this situation, the People's Bank of China has thoroughly practiced the concept of credit reporting for the people, issued guiding opinions on the protection of credit reporting rights and interests in the process of epidemic prevention and control in COVID-19, and encouraged qualified access institutions to actively use their own business systems, or through docking with government departments, hospitals and other units, to query overdue credit reporting records after the outbreak in COVID-19.
Individuals and enterprises under the following circumstances may apply to the loan issuing bank for adjustment of overdue credit records:
For those who are hospitalized or quarantined in COVID-19 due to infection, need to be isolated for observation due to COVID-19 epidemic prevention and control, and participate in COVID-19 epidemic prevention and control, the overdue credit business that cannot be repaid in time due to COVID-19 epidemic during COVID-19 epidemic prevention and control will not be submitted as overdue records; For individuals and enterprises that have temporarily lost their sources of income due to the COVID-19 epidemic, submit credit records according to the adjusted repayment arrangements; Has been submitted, according to the credit correction procedures to be adjusted; Have objections, should take the initiative to communicate and negotiate with the information subject, properly handle.
Those who belong to the above-mentioned individuals and enterprises may apply to the loan issuing bank for adjustment of overdue credit records.
And submit the application materials and necessary supporting materials as required. Specific application channels and material requirements shall be subject to the loan issuing bank.
Special reminder:
In the era of big data, credit report has become an important reference for credit approval of financial institutions, and its scope of application has been expanding. There are endless chaos of "credit repair" for bad information of credit subjects in society. All legal, commercial and charged "credit repair" are scams. Please be vigilant and don't fall into the trap of "credit repair". According to the Regulations on the Administration of Credit Information Industry, neither the credit information agency nor the commercial bank has the right to change or delete the credit information correctly displayed in the credit report at will. There is no so-called "credit repair" in the field of credit investigation.
If you have any questions in business handling, you can consult or reflect them to the central branches of the people's Bank of China in all districts and counties.