2024年4月6日发(作者：)

征信异议服务流程介绍

Many individuals in China may encounter issues with their credit

reports from time to time. When this happens, there is a process

called the credit report dispute service that allows individuals to

formally challenge any inaccuracies they may find on their credit

reports. 很多在中国的个人可能会不时遇到与他们的征信报告有关的问题。

当发生这种情况时，有一个叫做征信异议服务的程序，允许个人正式挑战他

们在征信报告中发现的任何不准确信息。

The credit report dispute service is an essential tool for consumers to

ensure that the information contained in their credit reports is

accurate and up-to-date. 通过征信异议服务，消费者可以确保其征信报

告中包含的信息是准确和最新的。

The first step in the credit report dispute process is for the individual

to obtain a copy of their credit report from any of the major credit

reporting agencies in China. This can be done online or by

requesting a physical copy be sent to them. 征信异议流程中的第一步是

个人从中国的主要征信机构之一获得其征信报告的副本。这可以在线完成，

也可以请求寄送实体副本。

Once the individual has obtained their credit report, they should

review it carefully to identify any inaccuracies or errors that may be

present. If any discrepancies are found, the individual can then

proceed to file a dispute with the credit reporting agency. 一旦个人获

取了自己的征信报告，他们应该仔细审查，以确定可能存在的任何不准确或

错误信息。如果发现任何不一致，该个人可以继续向征信机构提出异议。

In order to file a dispute, the individual will need to provide

supporting documentation that proves the inaccuracies in their

credit report. This can include bank statements, payment receipts, or

any other relevant documents that support their claim. 为了提交异议，

个人需要提供支持文件，证明征信报告中的不准确信息。这可能包括银行对

账单、付款收据或任何其他支持他们主张的相关文件。

After the dispute is filed, the credit reporting agency has a set period

of time in which they must investigate the claim and make any

necessary corrections to the individual's credit report. During this

time, the individual may be required to provide additional

information or documentation to support their claim. 在提交异议后，

征信机构有一定的时间来调查申诉，并对个人的征信报告进行任何必要的更

正。在此期间，可能需要个人提供额外的信息或文件来支持他们的主张。

Once the investigation is complete, the credit reporting agency will

notify the individual of the outcome of their dispute. If the

inaccuracies in the credit report are corrected, the individual's credit

score may improve as a result. 一旦调查完成，征信机构将通知个人其异

议的结果。如果征信报告中的不准确信息得到更正，个人的信用评分可能会

因此而提高。

Overall, the credit report dispute service is a valuable resource for

individuals in China who encounter issues with their credit reports. It

allows them to take control of their financial information and ensure

that it is accurate and up-to-date. 总的来说，征信异议服务是对在中国

遇到征信问题的个人来说是一种宝贵资源。它使他们能够控制自己的财务信

息，并确保其准确和最新。