this year, the credit recovery project is very popular, and there are 5-8 such financial intermediaries operating this project in the author's circle of friends.

On the other hand, how high the current social consumption is and how high the debt ratio is, it is also the adverse consequences of improper use of various cash loans. It is precisely because of this phenomenon that some demands and desires have supported this market.

Yes, there is a market where there is demand. Now, if there is a problem with credit reporting, it will create a lot of troubles for life. For example, I used to work as a real estate agent before buying a house. Before buying a house, I must verbally ask the customer if there is any bad record in credit reporting.

If there is a serious overdue, I can't get a loan to buy a house. There are five such examples, large and small, but most people often wonder if they can get rid of their bad records through other channels.

11. Credit investigation

Maybe you are concerned about me. Not everyone in WeChat official account knows what credit investigation is, so let's popularize science first.

Credit: Literally, it can be interpreted as the degree of your own credibility. Generally, when you borrow money from a formal financial institution, the institution will ask your permission to visit your personal credit report in the Credit Information Center of the People's Bank of China for evaluation and review. Therefore, credit information is an important business card for you to walk in the rivers and lakes.

credit record: records personal credit behaviors in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are often referred to as credit records.

For example, a friend of mine used to borrow Alipay's online business loan, and each time he borrowed 111-211 yuan, because he didn't know that this loan was to be used for credit investigation. He borrowed 21 loans intermittently and went to apply for a credit card for a long time, but he couldn't find the reason. Later, when he checked, it turned out that it was a credit investigation, and there were 21 records in just one month. It's terrible. This case has a certain summary significance. Students should try not to step on the pit.

overdue credit information: generally, overdue credit information can be easily understood as the failure to repay the loan in time, or the failure to borrow money also leads to a bad record of personal credit information. Once a bad record occurs, it is very difficult to get a loan from a formal financial institution.

12. Endless online loans and brother

"Doudou made a loan of 3,111 yuan, Ping An I made a loan of 2,111 yuan, Qian Bao 2111 was used, and the cash bus only made a loan of 1,511 yuan. In addition to these slightly larger amounts, Cao Cao's loan, loan to you, thigh loan and so on only made a few hundred dollars, all of which added up to Xiao Ou's already.

He used to live a life of 3.1 points, but he never thought that his life track would be completely derailed by an online gambling game called "Lost Family Music", and he would fall into abstinence from gambling.

three or five bottles, two punches, more and less is a fate.

defeated family music, game hall, pumping out Chinese pressure to calm down the alarm.

paralyzed, washed white, the landlord is going to the rooftop.

Baidu Cloud, King Kong Leisure, if you want to see the cigarette money.

all kinds of loans, AliPay, brother as stable as a grave grass.

The word "Brother" was first heard by the author. Many years ago, when Baidu was still a super giant, I was happy to socialize. I often used QQ with a semi-intelligent mobile phone, and Baidu Post Bar was often used to visit Shenzhen Bar, Fitness Bar, Li Yi Bar, and gambling bar. At that time, I was one of the unknown melon eaters among the 6 million gambling bar brothers.

The initial intention of abstaining from gambling now is to set up a space for gamblers to introspect themselves and encourage each other to spread positive energy by not gambling. For example, his profile generally says, "Gambling buries the past, strives to achieve the future, and gives up gambling together. The cultural atmosphere advocated in the bar has always been a very positive energy: extensive publicity of gambling hazards, exposure of gambling shady scenes, healthy educational entertainment, mutual encouragement and mutual assistance to give up gambling, and * * * building a spiritual home. There is no limit to gambling on the sea, and turning back is the shore!

But I don't know when the gambling bar fell, and it has become such a multi-faceted story meeting of lost gamblers, a decadent world that lives on the serial diary of gambling, and of course, some people who are eager to eat melons like the author.

bar owners who quit gambling and his bar lineup.

Before the gambling bar was closed, there were more than 12 million bar friends, including high school students, college students and people who had already worked in the society, and the total cumulative number of posts exceeded 81 million. What is a big boss worth tens of millions and which is the chairman of a listed company in Hong Kong? There is only one word here, that is, "gambling dogs" and "gambling dogs call each other" brother ". Most of them make a living by constantly cutting their mouths, and cyber-hacking has long been the status quo of old friends.

quit gambling, the spiritual leader of 4 million members, a generation of online celebrity. Be honored as "Stealing Guevara".

In June, 2118, the "Quit Gambling Bar" with more than 14 million users was exposed by the media that there were a lot of harmful contents and bad values. On the evening of June 29th, 2118, Baidu Post Bar announced that it would suspend the gambling bar service and clean up harmful content. Illegal and harmful information and behaviors found in the clean-up will be cleaned up and reported according to the requirements of the regulatory authorities. Quit gambling. It's blocked.

Some people say that "it's well sealed to prevent the generation of more brothers, while others say that it's better to quit gambling. The last" lost fisherman "in bar owners collected money from the dog farm, which ruined it and harmed the brothers who quit gambling, so those old brothers who lost their homes began to look for new migration places.

Although the gambling bar has been blocked.

However, most older brothers are still active in every corner of the Internet. Some of them have ruined their lives due to various bombardments of address books, and they constantly rely on packaged fake materials to borrow and repay loans to make a living. Some of them have gradually become the "Three Gods" in Shenzhen.

Of course, this part of my brothers probably never expected to die. After being harvested by online loans, dog agents and dog personnel in Southeast Asia have secretly targeted them in various routines, selling them in dark foreign countries and starting a dog push in the spinach industry.

Many people also asked me if I could go to Southeast Asia. I always advised him not to go, and not to take risks with a little luck. In the end, they will be waiting for years of cold and decades of prison suffering.

There are also some old friends who have come ashore through their own continuous efforts because they have realized their mistakes, and the demand for loans also constitutes a small group of people in the credit repair market.

13. Credit repair

"As long as it's not Lao Lai, black households can also wash their whites!

"Help you get rid of the credit stain, and your credit record is clean.

" Only 8,111 yuan is needed to help you repair your credit and get rid of your life stain.

This is the slogan of a financial intermediary in the author's circle of friends. I think everyone is familiar with it, right? So the author casually talked with this intermediary who repaired the credit information.

of course, the 8,111 yuan mentioned by the intermediary can be repaired, which is not necessarily the real 8,111 yuan. As far as I know, there are tens of thousands. Let's put aside the following conversation, which probably means that they are exploiting some loopholes to clean up the credit information according to the existing rules of the bank.

for example, pretending to be in a coma or sick, and proving to the bank that you owe money without malice, so as to achieve the purpose of credit recovery. Remember to find an irresistible reason, whether it sounds reasonable or not, but in fact the difficulty coefficient is very large.

It is known that the real success rate of credit recovery is less than 1%.

A bank employee said bluntly: "Our bank has not really eliminated a bad credit record, and the relevant demand was basically rejected at the branch level.

there is another one: some have channels in the central bank's credit information center. After contacting the so-called credit repair company, the author found that they are not so < P > connected inside and outside.

Most of the repairs made through internal channels let you directly transfer money and then hack it, making a one-off deal. There is also a saying that you can hack into the central bank's credit information system through technical means to tamper with data, thus whitewashing your identity. This situation is also a trick to deceive ignorant people. Is the central bank's credit information system really so easy to tamper with? A hacker who can do that. Who did it?

The overwhelming advertisements for credit repair are just a new scam to cut leeks. Credit finance practitioners and borrowers who have been exploited are all "leeks" in their eyes.

14. The butcher's knife of credit repair

In fact, credit repair is not the most profitable-the real money is to engage in credit repair training.

The high profits have spawned a group of unscrupulous credit information repair trainers, who charge high training fees by pulling agents and WeChat community training.

as soon as the course is over, students will be blacked out, and then the next round of harvesting will be carried out. This way of "cutting leeks" accounts for the income of the 9 th floor of the entire industrial chain. What is terrible is that this method has spread all over the country and has formed several major factions. Both financial practitioners who do credit and borrowers who have run out of money are their "target users". 15. The Trap of Crowdfunding Repayment

Recently, the life of online loan brother has always been somewhat uneasy. In addition to the above-mentioned pit of credit repair, there is also a popular pyramid scheme called Crowdfunding Repayment.

First of all, after you download this APP, you have to participate in the activities of this APP. First of all, you have to pay 411 yuan's participation funds first. After paying the money, you have to attract three people, and each of these three people has to pay 411 yuan to this APP. At this time, your participation is successful.

if all three people have paid the money, the APP will return 211 yuan to you on a per-head basis, and three people will be counted as 611 yuan. After deducting your initial investment of 411 yuan, it is equivalent to you earning 211 yuan, which means that you brought three people to the APP, and these three people charged the APP with 1211 yuan, so the APP will give you 211 yuan; If you can't get three people, or one of these three people doesn't make money, then it's a failure, and your 411 yuan will be confiscated by the APP.

Actually, I won't split this trap, just look at the numbers and patterns above. It's very simple, that is, using the psychology that you want to take a shortcut to repay the money, and constantly develop the offline. This is the so-called classic Ponzi scheme.

16. Summary

Internet scams are often about grasping the weakness of human nature. At the beginning of writing an article, the author hopes to do his best to make things unknown on the Internet less, closer to the truth and more isolated, even though my information is still in an isolated island on the Internet and not discovered by too many people. But I can still feel the good feedback from some readers. Although the future is unknown, it is always interesting.