The principle of minimization,which is regarded by many countries as a basic guideline for personal information collection,may lead to theoretical incompatibility and practical disadvantages when applied to the field of personal credit reporting.Three complementary system combination schemes can be an alternative to the principle of minimizing the scope of personal credit information collection:the negative list system with absolutely sensitive information as the main content,which achieves bottom line protection of the core rights and interests of credit subjects by determining the scope of prohibited credit information collection;The relevance principle extends the direct relevance implied by the minimization principle to indirect relevance,which makes the relatively sensitive information and alternative data can enter the personal credit information system conditionally.The transition from the principle of minimum collection to the principle of minimum use reflects the transformation of the credit reporting concept from"strict entry"to"strict out",which requires individual credit reporting agencies and credit information users to achieve"minimum use"and"minimum infringement".
personal credit information collectionthe principle of minimizationalternative solutions
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