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 ...