Personal credit Report average monthly query volume double

Reporter's experience of "Economic ID card" inquiries throughout the current central bank Credit Center has collected more than 600 million of natural persons, and in Beijing, more than 10 million people have their own credit report. More and more beijingers are beginning to pay attention to their credit rating.　　Central Bank Credit Center Beijing Branch Center Responsible person told reporters that last year, a total of 14287 people to check the credit report, and the first three quarters of this year, the total number of inquiries has reached 22298, monthly query volume increased by 108.1%.　　Recently, the reporter as a common query identity, experienced a "economic ID card" of the credit report inquiries throughout. Other people to search for a layer of "interrogation" Beijing this winter cold early, but in the Moon Street, Heng Wah International Business Center eight floors, not a small office, people shuttle, queue, fill out a form, photocopy identity card ...　　There are a steady stream of people looking for credit reports. Inquiry credit report procedures are not complicated, just need to get my ID card original and photocopy, and fill out an application form on it.　　After a while, the reporter successfully got his credit report, however, on behalf of others to query the credit report, but encountered a little "obstruction." According to the request of the central bank, other people to search the credit report in addition to the principal and agent of the original ID card and a copy, but also authorized by the client to fill out a letter of inquiry.　　Unexpectedly, when the reporter handed the letter of attorney to the staff, but the staff directly picked up the phone. "Do you entrust someone else to check the credit report?" "What's the name of the agent?" "May I have your ID number?" ”...... The staff asked seven or eight questions in a row, and the level of caution was evident. And the most "delicate" is the last question: "Where do you sign the proxy name?"　　"Until all the questions were confirmed, the reporter's request for inquiry was finally released."　　Credit report without a "credit comment" and so on got the credit report, the journalist became more aware of why the staff were so careful--on a few five or six pages, almost all the economic information of a person.　　The first line of the report is the query information, showing the name of the queried person, type of document, number, query and query reasons. The next step is detailed personally identifiable information.　　Including the date of birth, the highest degree of education, mailing address, telephone, marital status, spouse name and work unit, contact telephone and so on, living information closely followed, recorded the personal residence address.　　In the following personal career information column, including personal work unit name, unit address, industry, occupation, title, title, and other information, but also include "sensitive" income column. The core part of the credit report is credit information, which reflects credit cards, the general situation and details of loans for two types of business and loan guarantees for others, including loan information such as personal mortgage, car loan, loan Bank, type, amount, time limit, repayment record of the past 24 months, credit amount, amount used, repayment record, Repayment of the past 24 monthsRecord (including normal and overdue) credit card information.　　If the individual has the loan for others, credit card guarantee information, also have records. The last column of the credit report is the query record, which records the time of the person who queried the credit history for what reason.　　Usually, when a person applies for a loan or a credit card, the bank will check the applicant's "the". However, although there is such a comprehensive information, but the general people do not understand the report. "There is no place to say my credit record is good or bad?"　　"Take their new" out of the credit report, the company staff Ms. Liu looked at a half-day, or confused. The central bank's credit center said there would be no "good" or "bad" judgments in the report, and would only use code to mark All economic information. So the personal credit report all depends on how the bank interprets.　　　　For example, for the same credit report, some banks will think that if only one or two times overdue, it means that the speaker is not intended, will not be counted as "black record", but some banks are considered a bad record, will be excluded from the list of high-quality customers. Error messages need to be written to change "How can my annual income be 1.7 million dollars?" A man surnamed Wu sees his report and laughs at himself after questioning. To take a closer look, the information submitted by the Unit is a bank.　　It turned out that Mr. Wu had made a mortgage on the bank, and he did report a high income, but he didn't expect to be on the record for years. Mr Wu's example is not uncommon. Central bank Credit Center people, even the same person's report, the annual income column will have several answers. This is because the annual income figures are fully reported by the individual, perhaps the same person in the application for a credit card when filling out a number, but in the application for a mortgage and fill out another one, the credit report is completely objective and neutral to the different ages, different banks of all the data converge together.　　In addition, the address is wrong, the title is not written and so on, in the credit report also appeared. The credit report contains a lot of information that may be outdated or wrong, the staff told reporters.　　However, the staff members have no right to modify the person at that time, the applicant must submit a written objection to the application, the credit center after verifying the error message, by submitting the error message to the commercial bank reported corrections.　　However, the staff suggested that the public should be able to maintain the accuracy of the data in various submissions system, otherwise, once the information in the credit report "fighting" situation, may give their own loans or apply for credit card caused obstruction. Personal loan First self-examination credit report reporter in the Letter Center investigation Day, Citizen Wang became the most depressed person that day. "When I bought a loan, the bank said that I was the second suite, but I never loaned it, so how did I get into the second set?"　　"Ms. Wang, who got the credit report, looked at it in black and white: one month in a certain bank to buy a house, the current repayment is normal." Miss Wang recalls: She lost her ID card a few years ago.Her identity went to the credit. The Credit Center staff advised Ms. Wang to contact the property's loan bank and report to the Public Security department.　　However, the loan may be delayed.　　Central Bank Credit Center Beijing Sub-center responsible People told reporters, from the feedback of some of the respondents that the identity card was used or lent to others to do cards caused credit report problems occur, so individuals should pay attention to avoid personal identity information leakage, but also can not lend identity card to others. "To avoid unexpected problems, you should check your credit report before applying for a loan or credit card," he said. The credit center staff said. Newspaper reporter Saching