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Frequently Asked Questions
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1.My registered permanent residence is in Wuhan, Hubei Province. May I inquire my own credit report in Beijing?
Yes. The CCRC’s network covers the whole of China. Wherever you are, you may make inquiries at our counters at your local PBC branch.      

2.May I access my credit report with a phone call?
We are unable to provide you with credit report information over the phone.

3.May I access the credit report of a family member or friend?
You have no right to inquire others’credit reports without the written authorization of the data subject. If you have received authorization to do so, however, you may submit the request by filling out the Application Form for In-Person Inquiry of Consumer Credit Report. At the time of application, please also submit the agent’s valid ID card, your own ID card and the original notarial certificate for authorization for our records.

4.Will I be required to pay a fee for a credit report inquiry?
As prescribed in the Regulation of the Credit Reporting Industry, each individual has the right to obtain his/her own credit report free-of-charge up to a maximum of two times per year.
With the approval from the National Development and Reform Commission, from June 3, 2014 the CCRC began to collect fees from individuals who request for a copy  of their own credit reports. The first two inquiries are provided free-of-charge and RMB25 is levied for the third and subsequent inquiries.

5.What kind of help can I expect to receive when I call the CCRC customer service hotline at 400-810-8866?
You will be able to receive assistance on how to access your consumer credit reports, on how to file a dispute and on how to read your credit report.

6.I have already requested a copy of my consumer credit report. May I obtain a loan?
Whether a consumer can ultimately obtain a loan is decided by the bank from which he or she applies for credit. The consumer credit report is just one of several references the bank uses when reviewing a loan application.
A consumer credit report shows credit records in an objective way, and does not contain wording such as“Poor Credit”. Any overdue credit facilities are shown in the credit report as it is, without any editorial comments.
The CCRC only discloses credit data as it is submitted by financial institutions, and has no right to alter data. Data can only be altered by the data submitter (the financial institution). If you wish to correct erroneous information in your credit report, you may raise a dispute to request for a correction by the reporting institution.

7.Why there is no such description as “Good Credit” or “Poor Credit” in the credit record?
A consumer credit report is an objective record of one’s credit activities. The CCRC is responsible for the compilation of information reported by various financial institutions and does not make judgment about an individual’s credit behaviour. This is why you will not be able to find language such as “Good Credit” and “Poor Credit” in the credit report.

8.Why are debtors not categorised further as “unintentionally in arrears” or “maliciously in arrears” in the consumer credit report?
The consumer credit report issued by the CCRC is an objective record of an individual’s previous credit history without any qualitative judgment of the individual’s credit status or the types of arrears that are recorded in the report. Second, banks and other financial institutions that use the credit report conduct comprehensive assessments of customers’ credit willingness and capability based on their actual conditions and a host of other references. Therefore, the credit report does not contain language such as “unintentionally in arrears” or “maliciously in arrears”.

9.Why should I pay special attention to information set forth in the “Inquiry Record” section in my credit report?
This section is a record of all inquiries on your credit report with the date of inquiry, information about the inquirer, reason for the inquiry, as well as number of inquiries conducted via the Internet in the preceding two years. Consumers should pay special attention to the Inquiry Record section for the following two reasons:
- You should check if any other person or institution has inquired about your credit report without your authorization.
-If your credit report has been accessed by various banks due to loan, credit cards or other credit applications you have made while there are no new loan or credit card accounts added to your credit report in this period, it may mean that your applications have been rejected. This type of information may have an impact on your applications for new loans or credit cards in the future.

Please note that credit inquiries for the purpose of account management do not require prior authorization from you, and such access is also recorded in the “Inquiry Record” section.
If you find that your credit report has been accessed without your consent and not for legal purposes, you may seek an explanation from the inquiring institution or report the case to the credit reporting industry regulatory department in the PBC. The regulator will then handle the case in accordance with the Regulation of the Credit Reporting Industry and the Interim Measures of PBC for the Administration of the Consumer Credit Reporting Database.

10. After a loan has been settled or after the credit card has been cancelled, how long will the corresponding negative information remain on the credit report?
As stipulated in the Regulation of the Credit Reporting Industry, records on overdue and delinquent accounts will remain on the credit report for a period of five years from the date of settlement.