1.无论征信机构还是金融机构都无权随意更改、删除征信报告中展示的信息。 张女士在短视频中看到一则广告，某机构宣传将举办一场"征信修复与提升实战培训班"，由资深专家授 课，能够传授"合法"修改征信记录的秘籍，并获得"征信修复师"资质，帮助客户修改征信记录。于是张 女士决定报名参加，在支付2000元培训费用后，发现所谓的"征信修复师"并非国家认可的职业资质，拥 有此项资质完全无法求职，也无法使用培训内容帮助他人修复征信记录。当她要追回培训费时，发现机 构已人去楼空。 广发银行南京分行提醒您： 2.所谓的"征信知识培训"应当旨在帮助公众更好地了解征信知识和相关政策，而不是传授虚假的征 信"修改秘籍"。 征信修复是陷阱，合法维护是正道！ 风险小贴士： ...

风险小贴士：所有声称可以"删除征信记录"的都是骗局！ 广发银行南京分行提醒您： 张先生因疏忽发生贷款逾期，找银行咨询、沟通，寻求删除不良记录未果后，在网上找到一家"征信修 复"机构，并按要求将1万元定金、一张自己实名办理的手机电话卡和一张银行卡交给这家机构，约定事 成之后再付2万元。一个月后，该机构告诉张先生征信逾期已成功修复，要求其支付清全部余款。张先 生未经核实，随即将事先承诺的余款转给该机构。当张先生亲自去当地人民银行分支机构查询信用报告 后，发现有关信息根本没有修复，张先生才发现自己被骗了。 3.若对征信记录有异议，可直接向征信机构或报送信息的金融机构提出，按照正规流程提交材料、申请 核查，避免因轻信"黑中介"陷入更大困境。 1.任何声称能通过特殊手段消除真实不良征信记录的行为都不可信。 2.非法金融中介常以"征信洗白""快速修复"为诱饵，收取高额费用。通过伪造材料等进行恶意投诉，不 仅无法解决问题，还可能导致信息泄露、遭遇诈骗。 ...

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].

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].

Group 1 - The Ministry of Public Security and the National Financial Regulatory Administration have launched a six-month crackdown on illegal financial activities, targeting illegal agency rights protection, anti-collection alliances, and credit repair scams [1] - ZhongAn Insurance has responded by collaborating with several financial institutions to combat "black and gray production" through an upgraded intelligent risk control system that enhances service quality and accurately identifies financial crimes [1][4] - The financial industry has seen a rapid rise in black and gray production alongside digitalization, which disrupts market order and harms consumer rights [2][3] Group 2 - Fraudulent schemes often disguise themselves as "agency complaints" or "credit repair," using social media and short video apps to lure consumers, leading to financial losses and potential misuse of personal information [3] - ZhongAn Insurance emphasizes that credit records are managed by the People's Bank of China and cannot be altered by any individual or organization, warning consumers against scams promising to erase negative records [3][6] - The company is committed to building a robust technical defense system using AI models to detect abnormal behaviors associated with black and gray production, thereby improving customer service and early warning mechanisms [5][6] Group 3 - Financial institutions are urged to take on multiple responsibilities, including technical defense, risk management, user education, and industry collaboration to eliminate financial black and gray production [6] - ZhongAn Insurance plans to enhance its intelligent risk control system to better identify black and gray production activities and protect consumer data from leaks [6] - The company calls on consumers to educate themselves about financial knowledge, recognize the nature of black production, and protect their personal information and financial security [6]

安全提示 接到陌生电话 必须核实对方 身份,对于自 称工作人员的 人,要通过官 方渠道进行核 实。 电信诈骗案例剖析 0 冒充银行客服类诈骗 违法人员通过非法手段获取受害人信 息,冒充银行客服人员,发送虚假的银行卡 查询链接,要求被害人填写个人信息、银行 卡卡号及密码并引诱被害人告知银行短信验证码,从而划走 资金,导致被害人财产损失。 案例 在江西打工的王某接到一个电话,显示的是个陌生的 个人号码,对方自称是某银行客户经理,告知王某其信用 良好,有资格提高其信用卡的透支额度。王某心想信用卡 额度高点比较方便,银行打来一些营销电话也正常,还不 用去网点，便应允了。按照对方要求,王某将自己在该银 行办理的信用卡卡号、有效期、卡背面数字验证码等信息 告诉了对方。随后,对方称银行正在审核,需要王某提供 动态密码确认,王某信以为真,便提供给了对方,直到资 金被划走方知被骗。 这位所谓的老同学极力说服李女士先垫付 资金。基于对老同学的信任,加上已经视频通话核实了身 份,李女士将自己手里的40万元转入了对方提供的一个银 行账号。随后李女士感觉到事有蹊跷并拨打了真正的老同学 电话,这才发现被骗了,随即便报了警。 安全提示 0 ...