Online loans can't obtain credit information without real-name authentication, but it also has some negative effects. You should know that this software or this platform has certain traps. Although they don't get credit information, their debt collection methods are also terrible, so whether it is a real-name certified loan or not, you must repay it on time, so that you can borrow money after you encounter some special problems.

Some people say that he is not his real name. Why should I pay back the money? You know, the consequences of not paying back money are even more terrible.

First, online loans are not real names, and they don't want to repay.

1, whether you can find your problem or not, don't think that it's okay if you can't get credit information, you can't get credit information from the People's Bank of China, and you can still get a blacklist of online loans. Although the bank will not check the online loan blacklist yet, the data will not disappear there, and there is no guarantee that it will start to check one day. Not dealing with the bank is a trivial matter, and not taking the high-speed train or flying is a trouble.

I don't know the scale of the online loan company you mentioned. Since there is a branch of the head office, there is always a channel for the last blacklist, and 200,000 is not too small. It is enough to sue in court.

To take a step back, even if you don't look at the central bank's credit report, the third-party credit report will be tainted, and you will be in trouble. Take Sesame Credit and Koala Credit as examples. If it is overdue for more than 3 months, it will enter the collection procedure. Before the credit is immediately returned to liberation, there is no way to enjoy a series of privileges of e-commerce.

When you don't pay back the money, the first step of the general loan company is to call your relatives and friends to harass them and inform them. If not, it will generally be handed over to a professional dunning company. The way debt collection companies collect debts is really outrageous. They can do everything they can, mainly to make you pay back the money. As long as you pay back the money, they will disappear without saying anything.

Second, if you borrow it, it is not difficult to borrow it.

So don't try to exploit that loophole. Now is the Internet age. It's not that no one can find a real person. If the amount involved is too large, it may be suspected of committing a crime. So, don't choose temptation, just put this idea out. If you want to borrow something, it is not difficult to borrow it again. If you are on the blacklist of online loans, then your future life will be really difficult.