{"id":538,"date":"2024-03-15T18:23:22","date_gmt":"2024-03-15T11:23:22","guid":{"rendered":"https:\/\/vaynhanhonline.com.vn\/?p=538"},"modified":"2024-03-16T00:48:54","modified_gmt":"2024-03-15T17:48:54","slug":"cach-kiem-tra-thong-tin-ca-nhan-cua-minh-co-bi-danh-cap-de-vay-no-hay-khong","status":"publish","type":"post","link":"https:\/\/vaynhanhonline.com.vn\/cach-kiem-tra-thong-tin-ca-nhan-cua-minh-co-bi-danh-cap-de-vay-no-hay-khong\/","title":{"rendered":"C\u00e1ch ki\u1ec3m tra th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh c\u00f3 b\u1ecb \u0111\u00e1nh c\u1eafp \u0111\u1ec3 vay n\u1ee3 hay kh\u00f4ng"},"content":{"rendered":"
Trong kho\u1ea3ng th\u1eddi gian g\u1ea7n \u0111\u00e2y, \u0111\u00e3 c\u00f3 kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi tr\u1edf th\u00e0nh con n\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00ec b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 th\u1ef1c hi\u1ec7n vay v\u1ed1n. V\u1eady, l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 bi\u1ebft m\u00ecnh c\u00f3 \u0111ang l\u00e0 con n\u1ee3 hay kh\u00f4ng?<\/span><\/p>\n \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u ki\u1ec3m tra, theo d\u00f5i th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh \u0111\u1ec3 n\u1eafm r\u00f5 th\u00f4ng tin c\u0169ng nh\u01b0 t\u00ecnh h\u00ecnh t\u00edn d\u1ee5ng c\u1ee7a b\u1ea3n th\u00e2n b\u1eb1ng 2 c\u00e1ch sau:<\/span><\/p>\n CIC l\u00e0 t\u00ean vi\u1ebft t\u1eaft c\u1ee7a (Credit Information Center), \u0111\u00e2y l\u00e0 Trung t\u00e2m Th\u00f4ng tin T\u00edn d\u1ee5ng tr\u1ef1c thu\u1ed9c s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. CIC l\u00e0 n\u01a1i s\u1ebd ti\u1ebfp nh\u1eadn l\u01b0u tr\u1eef, ph\u00e2n t\u00edch v\u00e0 x\u1eed l\u00fd th\u00f4ng tin t\u00edn d\u1ee5ng c\u1ee7a m\u1ed7i m\u1ed9t c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c v\u1edbi m\u1ee5c \u0111\u00edch ph\u1ee5c v\u1ee5 cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c di\u1ec5n ra su\u00f4n s\u1ebb.<\/span><\/p>\n \u0110\u1ec3 ki\u1ec3m tra th\u00f4ng tin t\u00edn d\u1ee5ng, n\u1ee3 x\u1ea5u c\u1ee7a b\u1ea3n th\u00e2n, ng\u01b0\u1eddi d\u00f9ng c\u1ea7n th\u1ef1c hi\u1ec7n theo c\u00e1c b\u01b0\u1edbc sau:<\/span><\/p>\n <\/p>\n B\u00ean c\u1ea1nh c\u00e1ch \u0111\u0103ng k\u00fd t\u00e0i kho\u1ea3n v\u00e0 tra c\u1ee9u tr\u00ean website c\u1ee7a h\u1ec7 th\u1ed1ng. Ban c\u0169ng c\u00f3 th\u1ec3 t\u1ea3i v\u00e0 v\u00e0 ki\u1ec3m tra th\u00f4ng tin t\u00edn d\u1ee5ng, n\u1ee3 x\u1ea5u c\u1ee7a b\u1ea3n th\u00e2n th\u00f4ng qua \u1ee9ng d\u1ee5ng CIC Credit connect. B\u1ea1n c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n theo c\u00e1c b\u01b0\u1edbc sau:<\/span><\/p>\n <\/p>\n Khi m\u1ed9t c\u00e1 nh\u00e2n b\u1ecb l\u00e0m gi\u1ea3 th\u00f4ng tin v\u00e0 vay ti\u1ec1n, theo \u0110i\u1ec1u 463 B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015, h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n ph\u1ea3i c\u00f3 s\u1ef1 th\u1ecfa thu\u1eadn c\u1ee7a c\u1ea3 hai b\u00ean vay v\u00e0 b\u00ean cho vay. L\u00fac n\u00e0y, ng\u01b0\u1eddi vay ph\u1ea3i c\u00f3 ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 v\u00e0 l\u00e3i theo quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/span><\/p>\n \u0110\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p b\u1ecb l\u1ea5y c\u1eafp th\u00f4ng tin c\u00e1 nh\u00e2n \u0111\u1ec3 vay ti\u1ec1n, ng\u01b0\u1eddi b\u1ecb h\u1ea1i kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i tr\u1ea3 n\u1ee3. Tuy nhi\u00ean, ng\u01b0\u1eddi b\u1ecb h\u1ea1i c\u1ea7n ch\u1ee9ng minh \u0111\u01b0\u1ee3c b\u1ea3n th\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi vay ti\u1ec1n.<\/span><\/p>\n Sau khi bi\u1ebft m\u00ecnh c\u00f3 nh\u1eefng kho\u1ea3n n\u1ee3 x\u1ea5u trong khi kh\u00f4ng th\u1ef1c hi\u1ec7n ho\u1ea1t \u0111\u1ed9ng vay. Ng\u01b0\u1eddi b\u1ecb l\u00e0m gi\u1ea3 th\u00f4ng tin n\u00ean y\u00eau c\u1ea7u c\u00e1c ch\u1ee9ng t\u1eeb, th\u1ee7 t\u1ee5c vay n\u1ee3 sau \u0111\u00f3 \u0111\u1ebfn tr\u00ecnh b\u00e1o v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ee9c n\u0103ng c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u tra v\u00e0 l\u00e0m r\u00f5 v\u00e0 c\u00f3 ph\u01b0\u01a1ng \u00e1n gi\u1ea3i quy\u1ebft ph\u00f9 h\u1ee3p.<\/span><\/p>\n C\u00e1c c\u01a1 quan t\u1ed5 ch\u1ee9c m\u00e0 ng\u01b0\u1eddi b\u1ecb l\u00e0m gi\u1ea3 th\u00f4ng tin c\u00f3 th\u1ec3 \u0111\u1ebfn v\u00e0 tr\u00ecnh b\u00e1o \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u 163 B\u1ed9 lu\u1eadt T\u1ed1 t\u1ee5ng H\u00ecnh s\u1ef1 n\u0103m 2015:<\/span><\/p>\n Tr\u00ean \u0111\u00e2y l\u00e0 nh\u1eefng c\u00e1ch m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m tra th\u00f4ng tin t\u00edn d\u1ee5ng c\u1ee7a b\u1ea3n th\u00e2n, \u0111\u1ec3 bi\u1ebft th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh c\u00f3 b\u1ecb l\u1ea5y c\u1eafp v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng vay ti\u1ec1n, vay ti\u1ec1n online<\/strong> kh\u00f4ng tr\u1ea3 n\u1ee3 hay kh\u00f4ng. Hy v\u1ecdng nh\u1eefng chia s\u1ebb n\u00e0y c\u1ee7a vaynhanhonline<\/strong><\/a> s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ecdc c\u00f3 th\u00eam nh\u1eefng th\u00f4ng tin chi ti\u1ebft v\u00e0 c\u1ea7n thi\u1ebft nh\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n.<\/span><\/p>\n Theo: luatvietnam.vn<\/p>\n\n\nC\u00e1ch ki\u1ec3m tra th\u00f4ng tin c\u1ee7a m\u00ecnh c\u00f3 b\u1ecb s\u1eed d\u1ee5ng \u0111\u1ec3 vay n\u1ee3 hay kh\u00f4ng?<\/span><\/h2>\n
Ki\u1ec3m tra th\u00f4ng tin qua h\u1ec7 th\u1ed1ng website c\u1ee7a CIC\u00a0<\/span><\/h3>\n
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Ki\u1ec3m tra n\u1ee3 x\u1ea5u b\u1eb1ng \u1ee9ng d\u1ee5ng c\u1ee7a CIC Credit Connect tr\u00ean c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng<\/span><\/h3>\n
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Ph\u1ea3i l\u00e0m g\u00ec khi th\u00f4ng tin b\u1ecb l\u00e0m gi\u1ea3 \u0111\u1ec3 vay ti\u1ec1n? C\u00f3 ph\u1ea3i tr\u1ea3 n\u1ee3 kh\u00f4ng?<\/span><\/h2>\n
L\u00e0m g\u00ec khi bi\u1ebft m\u00ecnh b\u1ecb n\u1ee3 x\u1ea5u v\u00ec b\u1ecb \u0111\u00e1nh c\u1eafp th\u00f4ng tin?<\/span><\/h2>\n
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