ICE8000 Bad Credit Record Credit Repair Standard

Chapter I General Provisions

1.1 In order to give credit card owners the opportunity to rehabilitate themselves, promote social integrity, reduce transaction costs, and enhance human well-being, the World Credit Organization [WCO] has established this standard in accordance with internationally accepted legal principles and practices.

1.2 The main legal basis for the development, application and implementation of this standard is as follows:

(1) The principle of freedom of the Constitution. The constitutions of the vast majority of countries in the world give people the freedom to defend their legitimate rights, the freedom to maintain social justice and the freedom to express their opinions.

(2) The principle of public order and goodness of law. This legal principle gives people the right to maintain social justice. The basic principles of civil law in most countries of the world include the principles of public order and good customs.

(3) The principle of good faith in law. This legal principle gives people the obligation of good faith. Most countries in the world regard the principle of good faith as the basic law of their civil and commercial laws.

(4) The principle of freedom of contract in law, also known as the principle of free agreement. This legal principle gives people the freedom to enter into a civil contract. The basic principles of civil law in most countries of the world include the principle of freedom of contract.

1.3 The conduct of the application and implementation of this standard shall be deemed to be the tripartite or multi-party contractual act of the World Credit Organization [WCO] in Delaware, USA, as an attestation or supervisor, and The relevant disputes arising from this act are applicable to and protected by the laws of the State of Delaware and the United States, and the jurisdiction is also the International Court of Ethics or the Delaware Court of the United States and the United States Federal Court. If the parties have agreed otherwise or otherwise stated in the applicable law and/or jurisdiction, the binding does not involve the World Credit Organization [WCO].

1.4 The bad credit record referred to in this standard refers to the internal complaint information, public complaint information, credit warning information, internal exposure information, public exposure information, blacklist information and other credit information including bad behavior records.

The ICE8000 credit institution referred to in this standard, also known as the ICE8000 international credit institution or the World Credit Organization [WCO] member credit institution, refers to the requirements of the ICE8000 international credit standard system in terms of knowledge structure, work ability and professional ethics, and is awarded the World Credit Organization. [WCO] certification, in the credit evaluation and other credit practice work have the right and obligation to comply with the ICE8000 international credit standard system standards, to prevent their own abuse of credit evaluation and other rights or damage to the legitimate rights and interests of other types of credit companies and other credit practitioners. The ICE8000 credit institution is a member unit of the World Credit Organization [WCO], not a branch, representative office, agency or subordinate organization of the World Credit Organization [WCO]. According to the business scope of ICE8000 credit institutions, ICE8000 credit institutions can also be called ICE8000 credit reporting agencies, ICE8000 Lixin institutions, ICE8000 training institutions, and ICE8000 management consulting organizations.

1.5 The repair of bad credit records follows the principles of openness, impartiality, science, supervision, objectivity, caution and neutrality.

1.6 This standard is applicable to the repair of bad credit records in the ICE8000 credit information base. For the repair of bad credit records collected by other units, reference may be made to the application of this standard.

1.7 World Credit Organization [WCO] encourages credit owners to obtain the understanding of the perpetrators of untrustworthy behavior in a sincere manner. The World Credit Organization [WCO] opposes credit owners to cover or deny their records of dishonesty by improper means.

1.8 If the credit owner and the infringed person cannot reach an understanding on the relevant matters, the ICE8000 credit institution may conduct appropriate mediation, or may request the parties to apply for mediation, arbitration or trial to the World Credit Organization [WCO].

1.9 After the bad credit record is repaired by credit, it is deemed that the relevant party has established awe of integrity. People have no right to use this record to exercise uneasiness and resistance to the parties concerned. The World Credit Organization [WCO] and its members shall revoke the adverse consequences of the bad credit record on the parties concerned.

1.10 All parties applying this standard shall, in the process of applying this standard, abide by the principle of good faith, the moral bottom line, and the social responsibility bottom line, and exercise and assume the rights and obligations stipulated in this standard.

1.11 All parties to this standard are deemed to have fully understood and committed to comply with all the provisions of this standard. However, if any party to this standard finds any unfairness in any of the provisions of this standard, it has the right to publicly declare that it is not subject to public disclosure of the relevant circumstances and reasons and written notice to the World Credit Organization [WCO]. Terms and conditions.

Chapter II Conditions for Credit Repair, Deletable Credit Records, Undelete Credit Records

2.1 The credit repair condition of the bad credit record is that the credit owner has obtained the understanding of the victim or has obtained the understanding of the victim.

2.2 The credit record that can be deleted in this standard refers to the credit record that the infringee has the right to delete, which generally includes: internal complaint information, public complaint information, credit warning information, internal reference credit information and other defects that can be deleted according to ICE8000 standard. Credit history.

2.3 The credit record that cannot be deleted in this standard refers to the credit record that the infringee has no right to delete. It generally includes: internal exposure information, public exposure information, blacklist information and other bad credit records that cannot be deleted according to ICE8000 standard.

Chapter 3 can remove the fixes and results of credit history

3.1 Self-repair procedures and results for deleting credit records:

(1) The credit owner actively contacts the infringed person to explain in good faith, compensate for the loss, and sincerely apologize to obtain the understanding of the infringed person;

(2) After being forgiven by the infringed person, the infringed person deletes or authorizes the ICE8000 credit institution to delete the credit information, and the reason for the deletion is the words “I understand the credit owner”.

3.2 The same fix and result that can delete the credit record:

(1) The credit owner actively contacts the infringed person to explain in good faith, compensate for the loss, and sincerely apologize to obtain the understanding of the infringed person;

(2) If the infringed person has no justifiable reasons, he refuses to understand the credit owner. The credit owner may appeal to the International Moral Court and request the International Moral Court to make a ruling that is deemed to be the same;

(3) The International Moral Court shall make a ruling that is deemed to be inconsistent. After the ruling is made public and effective, the administrative committee deletes the credit record, and the reason for the deletion is added to the website of the International Moral Court. "".

Chapter 4 General Fixes and Results for Not Deleting Credit Records

4.1 Unremovable credit history that meets the following conditions, applicable to ordinary credit repair procedures:

(1) The infringer has specific, specific and clear contact information;

(2) The number of victims is less than 100.

4.2 General Credit Repair Procedures and Results:

(1) The credit owner submits an application for credit repair to the ICE8000 credit institution and provides relevant certificates. The credit owner shall ensure that the relevant information provided by him is true and shall be committed to comply with this standard and shall state the terms of the Conscience Vow and the CS Clause.

(2) If the application materials are subject to formal examination by the ICE8000 credit institution, if the application conditions are not met, the application shall be rejected and the reasons shall be explained. If the credit owner only submits the list of the infringed person but fails to submit the understanding agreement, the ICE8000 credit institution may contact the infringed person to negotiate and sign the understanding agreement. If the victim is not justified, he refuses to understand the credit owner. The credit owner may appeal to the International Moral Court and request the International Moral Court to make a ruling that is deemed to be the same.

(3) Publicity. The ICE8000 credit institution writes a “Credit Repair Survey Report” based on the certification materials provided by the infringed person and publishes it on the World Credit Organization [WCO] website for a public notice period of 30 days.

(4) Sample survey and objection survey.

A. If someone raises an objection during the publicity period, the ICE8000 credit institution shall investigate the objection.

B. Regardless of whether someone raises an objection, the ICE8000 credit institution should conduct a random sample survey at a rate of not less than 30%.

(5) Announcement of results.

A. After investigation, it was found that the evidence provided by the credit owner was untrue, and the repair failed and was announced. The credit owner can resubmit the repair request.

B. After investigation, it was found that the evidence provided by the credit owner was in a false situation, and the repair was successful and announced. The Administration will raise the Credit Repair Report issued by the ICE8000 credit institution to the credit record in a significant way, so that the reader can know the fact of credit repair while knowing the credit record.

4.3 In the credit repair process, if any of the following occurs, the ordinary credit repair procedure should be suspended and a special credit repair procedure should be initiated:

(1) When more than half of the victims are unable to contact;

(2) When there are more unspecified victims.

The credit owner refused to initiate a special fix, the fix failed and was announced.

Chapter 5 Special Fixes and Results for Deleting Credit Records

5.1 Non-deletable credit records that meet the following conditions, apply special credit repair procedures:

(1) The infringer is not specific, specific or has no clear contact information;

(2) There are more than 100 victims.

5.2 Special Credit Repair Procedures and Results:

(1) Application. The credit owner submits a credit repair application to the ICE8000 credit institution and the relevant certification materials.

(2) The credit owner issues an apology announcement and publicly apologizes. The ICE8000 credit institution determines the content of public apology, the number of announcement media, and the number of announcements based on the distribution of the victim. The number of announcements is more than three times, and the interval between credit rears should be more than 30 days.

(3) Within 180 days after the first public apology, there was no infringer who clearly stated that the person responsible for the credit was not forgiven, and all the infringees were deemed to have forgotten the credit owner. If there is an infringer who explicitly proposes that the person responsible for credit is not forgotten, the credit owner shall sign an understanding agreement with the infringer. After signing the understanding agreement, all the infringees have been deemed to have understood the credit owner. If the victim is not justified, he refuses to understand the credit owner. The credit owner may appeal to the International Moral Court and request the International Moral Court to make a ruling that is deemed to be the same.

(4) Publicity. The ICE8000 Credit Agency has written a “Credit Recovery Survey Report” and posted it on the World Credit Organization [WCO] website for a public notice period of 30 days.

(5) Sample survey and objection survey.

A. If someone raises an objection during the publicity period, the ICE8000 credit institution shall investigate the objection.

B. Regardless of whether someone raises an objection, the ICE8000 credit institution shall conduct a random sample survey of the evidence such as the understanding agreement at a ratio of not less than 30%.

(6) Announcement of results.

A. After investigation, it was found that the evidence provided by the credit owner was untrue, and the repair failed and was announced. The credit owner can resubmit the repair request.

B. After investigation, it was found that the evidence provided by the credit owner was in a false situation, and the repair was successful and announced. The Administration will raise the Credit Repair Report issued by the ICE8000 credit institution to the credit record in a significant way, so that the reader can know the fact of credit repair while knowing the credit record.

Chapter VI Liability for breach of contract and method of investigation

6.1 If the party violates the provisions of this standard, it shall bear the following liability for breach of contract:

(1) The corresponding legal liability, namely: the legal punishment prescribed by the relevant applicable law.

(2) Corresponding credit responsibility, that is, to bear credit punishments such as internal complaints, public complaints, credit warnings, internal exposure, public exposure, joint exposure, etc.

(3) The corresponding industry self-discipline responsibility, namely: announcement of criticism, fines, cancellation of credit card, prohibition of self-discipline and other disciplines.

(4) If the breach of contract causes losses (including material damage and mental damage) to others, it shall be liable for compensation. If the breach of contract constitutes a malicious dishonesty, it shall also make punitive damages to the infringed person in accordance with international practice and the principle of common law.

6.2 Method of investigation of liability for breach of contract:

(1) According to the "ICS8000 International Credit Standard System Internal Complaint Standard" or "ICE8000 International Credit Standard System Public Complaint Standard" or "ICE8000 International Credit Standard System Credit Warning Standard" or "ICE8000 International Credit Standard System Internal Exposure Standard" or "ICE8000" International Exposure Standards for Public Credit Standards or Joint Exposure Standards for ICE8000 International Credit Standards System for credit complaints and credit penalties;

(2) Applying for arbitration under the International Credit Dispute Arbitration Commission in accordance with the ICE8000 International Credit Standards System International Credit Dispute Arbitration Standard, without the need to submit a separate arbitration agreement;

(3) Apply to the International Moral Court for trial in accordance with the ICE8000 International Credit Standards System International Credit Dispute Trial Standard;

(4) If the defaulter has the membership of the World Credit Organization [WCO], the parties also have the right to make a complaint in accordance with the World Credit Organization [WCO] Member Supervision Standards;

(5) File a lawsuit in the US Delaware Court or the US Federal Court in accordance with the laws of the State of Delaware or the United States federal law.

6.3 Violations of the provisions of this standard may and should be considered as an independent breach of contract or dishonesty. If the relevant parties appear in the process of applying this standard, such acts as fraudulent, covert, defamatory, insulting, and denying others' credit evaluation rights, the act is an independent malicious dishonesty act or an independent serious malicious dishonesty. The parties concerned have the right to merge. Investigate or separately pursue the responsibility of the independent dishonesty.

6.4 The responsibility for breach of contract in this standard shall be based on the principle of ignoring:

(1) Only the aggrieved party will take the initiative to pursue the investigation, and the defaulting party will bear the corresponding liability for breach of contract;

(2) The aggrieved party has the right to decide whether to initiate the corresponding accountability procedure for breach of contract;

(3) The aggrieved party has the right to understand the defaulting party or reach an agreement with the defaulting party.

6.5 For the employees or agents who participate in, execute, or assist the parties to breach the contract, the aggrieved party has the right to pursue its corresponding responsibility unless it proves that it is not at fault.

6.6 The World Credit Organization [WCO] shall bear economic compensation for its own faults, and the expenditure for economic compensation shall be included in the financial plan of the World Credit Organization [WCO] for the next year. If the economic compensation is large, compensation shall be made in each year.

After accepting economic compensation, the World Credit Organization [WCO] has the right to recover losses from units or individuals responsible for acts of dishonesty with gross negligence or subjective intent.

Chapter VII Supplementary Provisions

7.1 This standard shall be implemented as of the date of promulgation.

7.2 The terminology involved in this standard, if its meaning is not agreed in this standard, its meaning is described in the ICE8000 International Credit Standard System International Credit Industry Terminology.

7.3 All kinds of materials submitted by the relevant parties to the World Credit Organization [WCO] (or ICE8000 Credit Agency) in accordance with this standard, the copyright agreement of which is set out in the ICE8000 International Credit Standard System Document Copyright Management Standard.

7.4 If all parties concerned know or ought to have known that any of the terms or conditions of this standard have not been complied with, but still do not expressly submit a written objection to this non-compliance in a timely manner, it is deemed to waive their right to file an objection. The waiving party shall bear the legal consequences such as losses caused by the waiver, and the World Credit Organization [WCO] and other parties shall not be responsible for this.

7.5 This standard will be revised and improved. All parties applying this standard should pay full attention to the revision of this standard and apply the latest version of this standard. However, the behavior that occurred before the revision of this standard may not be subject to the new revised clause. The official website of the latest Chinese version of this standard is: https://www.ice8000.org/aenhw/gc/65.html .

7.6 The copyright of this standard belongs to the World Credit Organization [WCO], members can use it free of charge for free; non-members can use it free of charge for study, training, research, self-use, reprint, citation, adaptation, reference, reference under the premise of indicating or declaring the source. , reference. No unit or individual may plagiarize plagiarism or disguise plagiarism or otherwise infringe. Otherwise, we will jointly expose the infringing units, individuals and related personnel after the investigation of the infringement facts is clear (to issue a credit wanted order to the society). And reserves the right to pursue their legal responsibility. Do not infringe or infringe.

7.7 The standard version number is expressed as: ICE8000-abcd, where: the front-end ICE8000 indicates that this standard belongs to one of the standards of the ICE8000 international credit standard system; a is the serial number of the standard in the ICE8000 system standard, if this standard is Abolished, the serial number is sometimes transferred to other standards; b is the initial writing time of this standard; c is the latest revision time of this standard; d is the number of revisions of this standard.

7.8 This standard is interpreted by the World Credit Organization [WCO].