With the rise of the loan industry, we are dazzled by various lending institutions. Many people have also been cheated because of loans, so the state has also formulated some policies for loan business. Previously, many loan applicants had such a situation that they obviously did not use or handle the relevant products for immediate consumption, but actually went to their credit reports. Next, let's know what it is.

I。 Have you applied for their products before?

There are still many products under Consumer Finance, so there will be a record of immediate consumption in the credit report, which is probably an application for one of their products. You can try to think about whether you have used installment products or loan products during the period by looking at the remaining amount of the period. Sometimes I use it myself, and I will inevitably forget it in the future, so I can recall it according to time and quantity.

Second, information theft will also lead to changes in credit records.

Nowadays, many softwares need real-name authentication. Although real-name authentication can avoid being fraudulently used, some software products simply cannot guarantee the information security of users. If there is a record of immediate consumer finance in your credit report, and you confirm that you have never used any of their products, then your information is likely to be stolen. People who steal information use instant consumer finance in your name, and natural records will appear in your credit report. Therefore, everyone must protect their personal information, and some software should be used with caution.

Third, harassing information will also make many people confused and suspicious.

Usually, we will inevitably receive some information about credit. If we have used it ourselves, it is normal to receive such information. If we have never used any credit products at all, but we have received information about credit investigation, it is probably harassment information. After receiving the information about consumer finance immediately recorded in the credit report, everyone must first confirm whether he has used such products and directly check his credit report to see if there is such a record. If it is confirmed that it has not been used, and there is no record of consumer finance immediately in the credit record, then this is harassment information. You can call the official phone directly to report it.

When there is a problem with the credit report, first of all, we should confirm it calmly. I really don't remember whether I used consumer finance products immediately, so I can directly ask the official for help to confirm the inquiry.