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June . 2009 |
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This is a message from FTChinese.com: Analysts from Moody’s Investors Service expressed in the first three months of 2009, borrower rating suffered lower point and its rate declined to 13.8 percent, which highlighted the negative credit environment in the first half of this year. For details, please click the link below: http://intl.ce.cn/sjjj/qy/200904/13/t20090413_18780513.shtml |
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On May 6, 2009, Higher People’s Court of Zhejiang Province held a forum on the propaganda of provincial courts information in Shaoxing, requesting party organizations and leaders from courts of all level should provide the work of information propaganda with full guarantee by practically supporting and concerning about it. |
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A training for party branch secretary of law firm, which is firstly sponsored by Ministry of Justice P.R.C, opened class at the Central Institute for Correctional Police on May 12, 2009. One hundred of party branch secretaries of law firm from nation wide attended its first phase classes. |
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China Government Public Information Online (http://govinfo.nlc.gov.cn), the first governmental public information service established by National Central Library, has been formally opened to the public for online search. |
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An Introduction on Credit Record in UK
1. Who keeps my credit record?
2. What information is included in credit report? a. Personal information: name, DOB, current address, previous address, employer and so on. b. Credit card, house loan, installment loan (account number, status, date of opening, balance, credit limit, date of last update, minimum payment, payment record) c. Search: there are two kinds. One is hard search, which means your report is searched by authorization bank or credit card company and has negative impact on credit score. The other is soft search, a kind of search of other categories, such as searches by yourself and by credit card company that wants to have promotion. It has no impact on credit score. d. Collection. e. Public records: bankruptcy, mortgage, property freezing, court judgment and so on.
3. Who is interested in my credit records? They are banks or lending organizations, insurance companies, employers and landlords.
4. Where are the records from? They are from banks or lending organizations, collection companies, governments and courts.
5.
How long will credit records retain? It
generally will retain seven years.
6.
How can I obtain my credit report? You can register with creditexpert’s one month free service to check your credit score and cancel it before expiration. It would be more convenient by using creditexpert’s service.
7. What should I do if the records in credit report are wrong? You can solve dispute in the light of the instruction in credit report.
8. What should I do when my personal information was stole? a. You can inform bank and credit card company. b. Inform Equifax or fraud department of Experian to place a fraud alert on your credit file. c. Close your stolen account. d. File a police report.
9. Credit score It is calculated based on your records in credit report. Because the records in Equifax and Experian are not always consistent, the scores calculated by them may not be the same. When you apply for current account, credit card, personal loan, hire purchase (HP) agreement or house purchase, merchants will check your credit score, which is helpful to the rising of your credit limit.
10. The factors that affect your credit score Derogatory records, like bankruptcy, collection, default payment, late payment, credit history (the longer the better), open accounts with balance, use of credit (1-2% is the best, >50% is negative), search (hard search within two years has negative effect, especially within six months)
11. How can I improve my credit score? You have to stick to repayment in time.
Source: http://www.eezyy.co.uk/mobile/credit-record.html
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Tricks
for fraud |
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Four
Notices against Credit Card Fraud
Recently, criminal cases of credit card related are rising largely. Prosecutorial organization reminds citizens of four notices when using credit card for personal security.
1. You must avoid leaking your credit card information, such as card number, pin, CVC (italic extra digits that was printed on the back of credit card) and so on.
2. You have to use credit card and ATM abiding by the rules. You must confirm the ATM is a POS kind and the credit card is not a substituted one.
3. Using online bank securely, you have to install anti-virus software, anti-troy software and online bank security control. You must confirm the online bank you logged onto is a real one and do not receive unknown documents.
4. Other notices includes renewing your pin number frequently, not illegally exchanging cash at agency companies and immediately dialing customer service phones of formal banks when encountering unknown credit card related messages.
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Tale
of Management |
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Watch
Theorem
What watch theorem indicates is that when a man has one watch, he can know what time it is now but when he has two watches, instead, he can not confirm. Two watches failed to tell one person the exact time but make him lose confidence in which is the exact time. Watch theorem provides us with an intuitional elicitation in business management. That is to say, you can not adopt two ways and make two goals and even appoint two principles when supervising a person or running a company, otherwise, this person or company will be dizzy on how to do. The other meaning of watch theorem is everyone cannot choose two different values at the same time, or will you get in confusion.
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