警惕“征信修复”骗局

Core Viewpoint - The article highlights the emergence of fraudulent "credit repair" services that mislead consumers into believing they can erase negative credit records, emphasizing that such practices are scams and do not exist within the legitimate credit system [1][2]. Group 1: Fraudulent Practices - Some intermediaries are promoting "credit repair" services online, claiming they can help consumers "repair credit, wash records, and remove entries," often through deceitful means such as fabricating facts and pressuring financial institutions [1]. - A recent court ruling has penalized individuals involved in credit card "credit repair" scams, resulting in prison sentences and fines for those who forged documents [1]. Group 2: Credit Reporting System - The personal credit report has become a crucial document for loan applications, with banks relying on it to assess creditworthiness, making it essential for individuals to maintain good credit by repaying loans on time [1]. - Negative credit records are retained for five years, as stipulated by the Credit Reporting Management Regulations, which state that such records should be deleted after this period [1]. Group 3: Consumer Awareness and Protection - Consumers are urged to be cautious of "credit repair" scams, as engaging with these fraudulent intermediaries can lead to financial loss and potential misuse of personal information for illegal activities [2]. - The orderly development of the credit industry is vital for building a trustworthy market economy, and the existence of "credit repair" scams contradicts the efforts to establish a sound credit system [2]. - Authorities are encouraged to strengthen collaboration to eliminate false "credit repair" advertisements online and enhance the management of credit records, making it easier for individuals to access and correct their credit information [2].