JICC開示結果についての質問です。

質問と回答
  • JICC開示結果についての質問です。 本日JICCより個人情報が開示されました。詳細と致しましては昨年末の武富士破綻に始まりました任意整理(過払い請求)も今月初旬をもって全て解決となりましたので、 自分の情報が知りたくJICC並びにCICに開示請求しました。クレジット関係は問題なしでしたが、プロミスと新生(レイク)に関しての情報です。5月に過払い金が入金になったプロミスが延滞23/4/6と記載されており、引き直し計算の結果債務が残り 一括返済となったレイクが完済23/5/26と有りました。 (債務整理等の記載は無し) 後程プロミスには訂正を求めるつもりですが、レイクは勿論ほっておくつもりです。 今までこの知恵袋に於いて任意整理や信用情報(ブラックリスト)等について、色々と回答してきたりもしましたが、もし今回プロミスが完済と訂正となって全て【完済】情報となった場合は、ローン申し込みを申請してみるつもりです。結果的に通った場合は、これからの回答も少し考え直さなければいけないかと。 ※因みに昨日JCBにWEB申請しましたら、当たり前ですが、×でした。(苦笑) 質問になりませんでしたが、信用情報と云う【裏の見えない物】に、かなりの個人差、又、業者次第だと云うことが判りました。
  • 私の興味の中心は次の点になります。 1)延滞~延滞解消~完済と訂正するか 2)延滞削除して完済登録となるか 1の場合延滞解消情報は異動では無いが一年間残る訳ですから実質的にはネガ情報です。 確かに個人信用情報は暗愚な部分と言うか業者の裁量権(先攻権)が強いのが難点と考えてますので業者と情報機関以外の中立的立場の第3者機関も必要なのかもしれません。

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