It's clearly single, but in the credit system of the people's Bank of China, it shows how "married" is going on? Is there something wrong with the credit system of the bank? Let's take a look with Xiaobian. So what Xiaobian wants to say is don't tell others personal information and ID card number when you go out.
Recently, Miss Li (pseudonym), a Hangzhou resident who is going back to her hometown to buy a house, found strangely that she had been married for three years. The credit report says that I have been married since 2015, and even listed her spouse. '
What's more, Miss Li's buying plan was almost delayed because of the "disorderly couple" in the credit report.
Cold sweat!
Down payment for house purchase
She found out that she had been married for three years
Miss Li, 26, looked after a flat last month and paid a deposit of 10000 yuan that day. On June 25, after collecting the down payment, she began to handle the purchase loan business--
But when she printed out her own credit report, she was surprised to find that the marriage situation had written the word "married".
This confused Miss Li: 'I've never been married before, why am I married?'
What's more, she wondered that there was more than one wrong information in this credit report. Many of the contents of her personal information were inconsistent with her own situation. "I was shocked, including education background, degree and career information, which were all wrong, just like someone else's. '
The wrong credit report caused Miss Li a lot of trouble: according to the regulations, the bank needs to check the credit records of Miss Li and her spouse, otherwise, the provident fund loan and commercial loan cannot be handled.
'where can I have a spouse?' this makes Miss Li want to cry without tears. 'the house deposit has been paid. According to the agreement, the down payment should be paid in a week and the loan procedures should be handled. 'the wrong marital status on the credit report has become a hindrance to her buying a house.
Ms. Li said that although she is a post-90s generation, she is still conservative in terms of consumption. "I don't need to borrow money or spend money. I only have one credit card, which I didn't use very much. I never thought she would have problems with the credit report. '
Toss!
To restore 'single'
Hangzhou Guangzhou round trip
Miss Li tried to correct the wrong information in the credit report in many ways, especially the fatal "getting married".
'first I went to the credit center of the people's Bank of China in Hangzhou. "Miss Li said that with the help of the staff, we found that the wrong data was uploaded by Guangzhou Branch of a state-owned bank on the same day.
The next morning, Miss Li contacted the bank's Guangzhou card issuing center by phone. The staff told her that it could be modified directly in the business hall of the state-owned bank.
Miss Li hurried to the business hall again. 'when I got the information modification notice, I thought I could relax at last. In order to confirm, I typed a credit report again. As a result, I was still married. 'Miss Li said helplessly,' later, the staff of Hangzhou card issuing center of this bank told me that the modification results made in the business hall are only reflected in the bank's platform and will not be uploaded to the credit center. '
At the same time, Miss Li learned from the credit investigation center of the people's Bank of China that the reply to her objection put forward the day before was' correct data, no need to deal with '.
Now, Miss Li is completely stupid.
A friendly staff member offered her a way to apply for a new credit card immediately and overwrite the wrong information with the new personal information.
But even so, it will take about 10 days, with an urgent loan application and an irreparable 'getting married'. Urgent!
Speaking of this, Miss Li was helpless: 'at last, I had to let the staff on both sides talk, and the card issuing bank in Guangzhou finally agreed to help me modify. '
After some trouble, Miss Li finally revised the information. Fortunately, she didn't delay buying the house.
Double plate!
Where did her husband come out
Where did her graduate student go
How is Miss Li's personal information wrong?
The reporter of Qian Bao contacted Ms. Li's Guangzhou Branch, a state-owned bank that handles credit cards. The staff said that Ms. Li checked "married" in her marriage status and "graduate" in her application form for handling credit cards in 2015.
To this, Miss Li is full of puzzlement: 'if I filled in the wrong item by myself, maybe it is possible, how can I choose all the wrong items from marriage to education and career?'
In retrospect, Miss Li thought of a detail. In 2015, she applied for a credit card and only bought a discount ticket for the local scenic spot, which had been cancelled before she came to Hangzhou. 'the bank's account manager asked me to fill in the credit card application form, but only filled in the name and ID card number, and didn't fill in the rest - maybe the Account Manager checked it for me. '
Discrepancy in credit report
Objection request usually takes 20 days
Undergraduate become graduate student, unmarried become married, who moved Miss Li's personal credit report?
The reporter learned from the credit investigation center of Zhejiang province that it is not a case of "being married" like Miss Li.
If there is any discrepancy between the information in my credit report and the actual situation, I can bring my valid ID card to the nearest credit administration department of the people's Bank of China to file an objection application, or I can directly file an objection application with the wrong credit institution.
Generally, it will be solved within 20 days.