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Will the heating fee be collected at the meeting if it is overdue?
The core of credit information system is to collect bank credit information data and credit card data. Since its establishment, the People's Bank of China has been collecting non-bank information with relevant departments. At present, only the loan information of housing personal provident fund and the execution information of court judgment are collected into the personal credit information system. The property fees, parking fees and telecommunications fees mentioned by the public may involve some disputes. When this dispute is not resolved, if all the so-called bad information is uploaded to the credit information system, it may make the people in a weak position and unfair. Therefore, the People's Bank of China will not consider these contents for the time being when collecting non-bank information.
1. At present, the People's Bank of China has launched three ways to inquire about personal credit reports. The first way is to inquire through the self-service equipment deployed by the People's Bank of China in the business outlets of commercial banks; Second, you can log on to the website of the Credit Information Center of the People's Bank of China for inquiry; Third, you can make inquiries in online banking and mobile banking of five commercial banks.
(browser _ _ computer: macbookpro_os 14 open Google version 92.0.4515.131).
2. As an important financial voucher, the credit report consists of five parts: personal basic information, information summary, credit transaction information details, public information details and inquiry records. Citizens who find that there is something wrong with their basic personal information may raise an objection to credit reporting to the branches of the People's Bank of China or the commercial banks that have opened accounts. In general, the revision can be completed in about a week.
3. Personal credit report is so important that once there is a bad record, it will have an impact on work and life. Is the "repair credit" business circulating on the Internet legal and compliant? The answer is of course "no"! In China, the Credit Information Center of the People's Bank of China has established a personal "credit file" to provide personal credit information for commercial banks, so the data cannot be tampered with. The People's Bank of China is very strict in the management of personal credit information, and has not found any illegal acts in personal credit information. If citizens find that individuals or institutions claim to be able to repair or change their personal credit reports, they should immediately report to the local market supervision department and the public security department.
4. Personal credit information system is an important system design to protect social integrity and improve social operation efficiency. With the gradual improvement of personal credit information system, the price paid by faithless people is getting higher and higher. Personal credit is tainted, which means that loans, buying a house and even traveling may be affected. Because of this, the definition of dishonesty, whether it is standard or procedure, must be strict and standardized enough, and unpaid property fees must never be included in the credit investigation "at will".
5. For example, defaulting on water and electricity charges can really constitute "breach of trust" according to popular understanding, but we still have to distinguish between malicious arrears and unintentional arrears caused by unexpected circumstances; For another example, running a red light may not be directly related to dishonesty. If it is also included in the credit information system, it will be far-fetched.
6. The fuzzy boundary of personal credit information is also reflected in the diversification of credit information subjects. Behind all kinds of "dishonesty" are different types of credit subjects. It is the transportation department that brings the red light into dishonesty, while it is the human society department that emphasizes that frequent job hopping may affect credit reporting. Even some cities have established their own public credit information management systems. Different credit subjects, whether in law enforcement or in standards, have great differences, and it is difficult to bring them into the credit system.
7. Personal credit reporting is closely related to everyone, which is why personal credit reporting has become a hot topic among the public, which requires that the credit reporting system must be "clear". Otherwise, the credit information system will not only fail to bring enough deterrence to the true untrustworthy, but also lead to disorder of personal information records.
8. With the progress of society, the credit information system is becoming more and more indispensable, and the abuse of credit information is absolutely undesirable. Many citizens had doubts before, such as "unpaid property fees" and "unpaid parking fees", which were not directly included in the credit information system as everyone worried. Thirdly, credit reporting must be serious and standardized in legal procedures in order to truly protect social integrity. For individuals, trustworthiness is the foundation of foothold, which is beyond doubt.
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