; ? Some users consulted us and said that they lost an ID card a few months ago. As a result, they suddenly received a collection call. They think it's fraud. I didn't expect to find a few more loans under my name when I checked the credit report. I want to know what to do in order to avoid affecting my credit. Today we will talk about the topic of being loaned.

1. Why did you take out the loan?

Because the threshold for applying for loans is too low now, some institutions will not carefully check the real information of borrowers, and they can lend with basic information. In addition, there are many channels to apply for loans. You can apply for loans through the Internet, mobile phones, third parties and other channels. Sometimes an ID card and a mobile phone can register an account and then apply for online loans, which is not very difficult.

Second, what if there is a loan under my name?

1, call the police

According to the feedback from users, the police need to provide evidence of the loss of the ID card and proof of the loan. If there is no loss, it is likely that the case will not be filed.

Step 2 complain

If the loan institution is a regular licensed company, you can call the company directly to complain, and there will be a special risk control customer service to handle it, which can cooperate with the police.

3. Bank card

Contact the bank directly and ask the bank to cancel the bank card that has been successfully applied immediately to repair the bad credit caused. If the bank disagrees, it can complain directly to the head office. Remember, you must prepare sufficient evidence, otherwise it may be returned.

In short, if you have a loan in your name for no reason, you must actively complain, otherwise it will have a great impact on your credit information.