On May 30, 2020, when an ordinary peasant couple in Heilongjiang was preparing to take out a loan to sell a car, they accidentally found that they already had a bad credit record. However, neither of them knows anything about it. After inquiry, I found out that they were the guarantors of two loans of 6,543,800 yuan. It turns out that some companies were forced to become guarantors because they didn't know how to get the villagers' lists and ID cards. Inexplicably becoming shareholders of other people's cooperatives, after the couple found themselves forced to become guarantors, they also found out through bank inquiries that they were actually shareholders of two cooperatives. But both husband and wife are ordinary villagers, and they have never participated in any company affairs, let alone become shareholders with such a large sum of money. Not only that, their parents-in-law also inexplicably became shareholders of other people's companies. Fortunately, I found it when I was selling a car, otherwise I would have been kept in the dark.

Has the company involved been cancelled? In fact, this kind of incident is not the first time. After all, it is a network society now. Many people's information is not confidential, so anyone can get our ID number and more private information. For the company guaranteed by husband and wife, according to the inquiry, the registration time is 20 1 1, and it will start lending in 2022, which means that the information of husband and wife has been stolen several years ago. However, at present, the two related cooperatives have been cancelled on 20 18, and some related numbers left behind are also empty, which means that the former lenders can't be contacted now.

As we all know, a loan can only be made if it is signed by the holder of an ID card. If the couple really don't know about this, it means that the loan is not signed by themselves, so the loan is invalid, but the loan has formed a bad record for the couple and needs to be processed later.