花钱“修复征信”？小心受骗还“背锅”

Core Viewpoint - The People's Bank of China has implemented a one-time credit repair policy to provide a legitimate and free channel for credit-damaged individuals, but fraudulent activities disguised as "credit repair" are on the rise, exploiting the anxiety of affected individuals [1][2]. Group 1: Fraudulent Activities - Fraudsters target credit-damaged individuals by using their anxiety to conduct targeted scams, often claiming to have official backgrounds and the ability to repair credit for a fee [1][2]. - In a recent case, an individual was sentenced to 10 months in prison for defrauding victims under the pretense of helping them eliminate credit issues, highlighting the prevalence of such scams [2]. - Scammers utilize various online platforms to disguise their activities, avoiding sensitive terms related to credit repair and instead using euphemisms like "credit consultation" and "debt reduction" [2][3]. Group 2: Methods of Operation - Fraudsters employ a "multi-platform jump" strategy to attract victims, initially posting vague information online before directing them to private messaging platforms for detailed scam proposals [2][3]. - Some loan intermediaries exploit the credit approval rules of financial institutions, turning credit-damaged individuals into tools for fraud by encouraging them to seek third-party guarantors for loans [3]. - A case involved an individual who tricked a victim into taking out a loan under false pretenses, resulting in significant financial loss for the victim, which underscores the need for public awareness of such scams [3]. Group 3: Recommendations and Prevention - It is suggested that financial institutions enhance public awareness of credit repair scams by sharing real case studies and improving the promotion of official channels for credit consultation and dispute applications [3]. - Establishing a collaborative governance system to address credit-related fraud and creating a mechanism for information sharing can help in early detection and prevention of such risks [3].