; ? It is reported that the internal staff and external staff of a village bank signed a loan contract in the name of others, defrauding 2.6 billion yuan from the bank, making more than 6,000 people borrow money without knowing it. For these 6,000 people, not only inexplicable debts, but also personal credit will be affected. So, how to avoid this situation? How do I know if I have been loaned? Let's have a look.
First, how do I know if I have been loaned?
In real life, because of the disclosure of personal information, incidents of being stuck or being loaned occur from time to time, and everyone must be vigilant about this. However, due to the different nature of loans, the ways and methods to find out whether they are loaned are also different.
1) When a bank or a licensed financial institution lends money, you can check the credit report by yourself and compare the number of credit cards and loan accounts in personal basic information with the actual situation.
2) Other private loans that are not connected to the central bank's credit report can't be found out, and only loans overdue can know when he receives the dunning text message and phone call.
Second, what should I do if I am inexplicably loaned?
Don't be afraid of being impersonated. You don't have to repay the money you borrowed. If the circumstances are serious, legal weapons should be used to safeguard their legitimate rights and interests.
In particular, if an impostor borrows money from a bank and the actual lender fails to repay it within the time limit, it will affect the lender's credit information. If this situation is found to be a loan, he may have the right to ask the bank to eliminate the bad credit record. After all, it is because the bank's audit is not strict that this situation is caused. The bank did not conduct due diligence and must bear the responsibility.
If the bank does not eliminate the bad credit record, it can go to the local branch of the Banking Insurance Supervision Bureau, 2 1 complaint, and the black cat complaint channel to complain. If you really can't, go to court with the bank.
If someone uses my ID card to get a loan, will I know?
If your ID card is used by others for loan, customers can find it themselves. Because they left their own identity information, customers can check personal credit reports and big data, and relevant loan records will be recorded in detail. Once an unknown loan is found, it may be someone else's fake application.
Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
The Measures for the Administration of Credit Information Business was deliberated and adopted at the 9th executive meeting of the Central Bank on September 30th, 20021,and is hereby promulgated and shall come into force as of June 30th, 2022.
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.
Credit information
1, personal basic information identifies an individual and reflects his family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4, the administrative organs, administrative affairs law enforcement organs, judicial organs in the exercise of their functions and powers in the process of public personal credit related record information;
5. Other information related to personal credit.
influencing factor
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Draft an administrative management bill
Article 25 If the information subject thinks that the information collected, saved and provided by the credit reporting agency is wrong or omitted, he has the right to raise an objection to the credit reporting agency or the information provider and ask for correction.
Credit institutions or information providers that have received objections shall mark the relevant information with objections in accordance with the provisions of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 20 days from the date of receiving the objections, and give a written reply to the dissidents.
Will you know that you have been loaned?
Yes Customers can log in to the Credit Information Center of the People's Bank of official website and China, and inquire whether there are loans that they don't know about, but I didn't do. If there is, there is a suspicion that personal information is used by others for loans. Or go to a third-party data platform to check your online loan big data. If you receive a repayment message or a collection call from an unwitting lending institution or platform, it is likely that your personal information has been stolen by others.
Operating environment: Baidu APP version model: 1. 1.2.
1. What is loan credit reporting?
(1) Good credit can save time for bank credit loans; Credit information includes personal identification information such as the name, age, gender, work unit and contact address of the recorded person, so that the bank can intuitively understand your credit situation, without spending more time investigating and verifying the authenticity of the application form, and help the lender to obtain loans quickly.
(2) As the saying goes, it is not difficult to borrow again. If the contents of the credit report reflect that you are a person who repays on time and fulfills the treaty, the bank will certainly be happy to lend you money, and the amount and interest rate will be increased to a certain extent. On the contrary, if there is a stain on your personal credit report, even if you have a house, a car and a career, the bank can't lend you money.
(3) The lender will receive a credit reminder. If there are bad records such as non-repayment and overdue repayment in personal credit information, banks will definitely treat such people differently, such as reducing the personal loan amount, providing guarantees or mortgages when lending, and providing loan interest rates; At the same time, if there are too many personal loans, it has exceeded the affordability. Banks will also be extra cautious when refusing loans.
(4) reflect fairness; Credit investigation is mainly to evaluate the personal credit situation. Regardless of your background or accumulated wealth, the higher the credit value, the more loan opportunities you can get. The credit center will also objectively record your consumption, payment and loan, and reduce the subjective factors that affect credit card processing, online lending and credit lending, which is very beneficial to individuals.
How do you know that you have been loaned?
1. If you want to know if you have been loaned by the Internet, you can check your SMS. If you have applied for an online loan, the loan platform will generally send a notice to the customer. Some criminals steal information and will not repay after online lending, and the platform may also collect it.
2. Customers can also go to the local people's bank to inquire about personal credit. If their ID cards are stolen by others for online loans, you can check them. Some online loans are connected to the central bank's credit information system, and the relevant loan and repayment records will be directly recorded in the credit information report.
3. You can also go to some third-party data platforms to check online loan big data to see if there is any record of your application for online loan in big data.
What if it is pretending to be an online loan?
1. Log in or inquire about the whereabouts of the money: if it is confirmed, there must be a login number. What online loan company called you? You can find their online loan entrance, log in online, and you can find out when they were impersonated and where the funds went. Or directly explain to the online loan company that you made an online loan under a pseudonym. You need to check some information and generally cooperate.
2. Call the police to file a case: After you confirm and understand the matter clearly, remember to call the police to file a case, and cooperate with the information needed by the police to assist the police in investigating information and obtaining evidence to solve the case. It's best to emphasize that your ID card has been impersonated during the security check, otherwise some irresponsible policemen will ignore it, especially if the amount is not much. If the identity card is fraudulently used, only those belonging to the police will be investigated, or at least a case will be filed.
3. Contact the media for follow-up: If possible, I suggest you contact the media to expose this matter. The media can be said to be the most reliable group or organization for our people to do things now. Because many policemen don't care, if you are exposed, many policemen will take care of it to save face or prove their ability, and after exposure, online lending companies will not take some non-legal measures to force you to repay, indirectly protecting themselves.