個人情報開示について教えてください。

質問と回答
  • 個人情報開示について教えてください。住宅ローンを借りたいと思い自ら個人情報の開示を行いました。 数年前数社のクレジット会社数社から借り入れをしていました。弁護士事務所に介入してもらい過払い金の返還請求を経て自己破産はせず現在は完済しています。先日、CICにて個人情報の開示をしてみたのですが気になった点がありました。返済状況の項目に異動となっている箇所と他の項目で完了となっているクレジット会社もあったのですが、本人以外弁済となっている会社もありました。どんな意味でしょうか?借り入れしていたカード会社に問い合わせしたところ契約は終了している旨は確認できました。個人情報開示書類の上部には情報保有期間が明記されているのですが、異動や本人以外弁済となっている場合でも情報保有期間を過ぎれば記録は抹消されるのでしょうか?当然今すぐに住宅ローンの審査が通るとは思っていませんが数社借り入れしていた全ての情報保有期間を過ぎれば審査に通る可能性はあるでしょうか?アドバイスをお願いします。
  • 異動と完了情報が重複する場合は事故情報にはなりません。 代位弁済と完了の場合は通常は事故情報にはならないが注意情報なので審査上はネガティブ的な捉え方をする業者も有ります。 代位弁済とは保証会社またはあなた以外の人が支払って完済した事で5年を超えない期間登録されてから削除されます。 ※延滞が長期化して保証会社が弁済した(またはあなた以外の人)後に実は「延滞前から過払い状態だった」なら業者に対して早急に削除要求は出来ますが不明点や疑問点はCICに問い合わせするのがベストです。

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