摘要
个人信用信息具有一定程度的可公开性,因此现代社会更强调当事人控制下的信息使用。个人信用信息的收集和使用无需征得信息主体的同意;对于信息主体的告知,应当在已经使用信息主体的信用信息,并对其采取"不利行动"时进行。不仅应当保障信息主体查询自身信用信息的权利,还应当保障一定条件下免费查询的权利,并明确查询的范围和程序。在明确信息主体享有对错误信用信息提出异议,以及请求更正或删除权利的同时,还应当明确:核实争议信用信息的举证责任由个人征信机构承担;信用信息更正后,应当通知此前一段时间内曾经获得该信用信息的使用者。
In modern society what is stressed is the using of personal credit information under the con- trol of the subject rather than prohibition from the infringement of it. It is not necessary to get the consent of individual when personal credit information is collected and used. The subject of information should be in- formed when his/her credit information is used, especially, to do something to his/her disadvantage. Not only the subject＇s right to check his/her own credit information but also the fight of conditioned free checking should be guaranteed, and the range and procedures of checking should be defined. It should be specified that the subject is entitled to demurring at the wrong credit information and requesting correction and dele- tion. Credit reporting agencies are responsible for verifying the proof, with this time restrict; after correction, the users of the credit information in the past period of time should be informed of the correction.
出处
《江苏社会科学》
CSSCI
北大核心
2012年第5期147-154,共8页
Jiangsu Social Sciences
关键词
个人征信
信息主体
信用信息
individual credit reporting system
the subject of information
credit information
