收费“修复”不良征信记录？骗局！如对征信记录有异议可通过正规金融机构和征信服务网点网站提出申请 均是免费

Core Viewpoint - The so-called "credit repair" services are fraudulent, involving illegal operations such as fabricating evidence or malicious complaints, and consumers are at risk of personal information leakage and financial loss [1][4][6]. Group 1: Nature of "Credit Repair" Services - Intermediaries charge fees for "repairing" bad credit records, with prices reported at 4,000 yuan for removing compensation records and 3,000 yuan for overdue records [1]. - Many social media accounts claim to offer professional help for credit issues, often misleading users into believing they can resolve their problems [2][3]. - The process typically involves submitting false documents and claims, which can lead to legal consequences for both the intermediaries and the consumers [4][5]. Group 2: Legal Implications - Submitting false materials for credit disputes is illegal and can result in civil liability, administrative penalties, and even criminal charges [5]. - Legal experts emphasize that legitimate credit dispute applications must be based on accurate records and submitted through proper channels [5]. Group 3: Regulatory Warnings - The People's Bank of China has issued warnings about the scams associated with credit repair, highlighting the tactics used by fraudsters to deceive consumers [6][7]. - Consumers are advised to avoid trusting any claims of guaranteed credit record deletion, as legitimate dispute processes are available for free through official channels [7]. Group 4: Credit Record Management - Negative credit records automatically expire after five years, and consumers are encouraged to settle overdue payments promptly [8]. - Frequent inquiries into personal credit reports can negatively impact credit scores and loan applications, with new regulations allowing free online access to credit reports starting July 1, 2025 [9][10]. - Having overdue records does not necessarily prevent loan applications, as banks may consider individual circumstances [11].