Open Alipay APP: Open Alipay APP and log in with Alipay account.
Enter the "My" page: Click "My" at the bottom of the APP homepage to enter the "My" page.
Enter the "Sesame Credit" page: on the "My" page, find the "Sesame Credit" column and click Enter.
View "Credit Report": On the "Sesame Credit" page, find the "Credit Report" column and click Enter. On the credit report page, you can view personal credit information and related loan records.
It should be noted that the above methods can only query the loan information related to Alipay, and cannot query the loan information of banks and other institutions.
If you need to inquire about a more comprehensive credit report,
Log in to official website Credit Information Center to inquire about personal credit reports: Credit Information Center of China People's Bank is a national credit information sharing platform, and official website can inquire about personal credit reports online. In the personal credit report, personal credit status and related loan information will be recorded, including whether there are outstanding loans.
Check credit card bills, bank flow, repayment records, etc. If someone borrows money with your ID card, the lending institution will generally transfer the loan amount to the designated bank account. Therefore, you can check your credit card bill, bank flow, repayment record and so on. To determine whether there is an inflow of funds from unknown sources.
Consult with banks or lending institutions: If you suspect that others have used your ID card to make loans, you can directly consult with banks or lending institutions to obtain information such as loan application and repayment records.
Report to the public security organ: If it is determined that your ID card has been stolen and used for illegal acts such as loan fraud, you can report to the public security organ and provide relevant evidence. The public security organ will start the investigation procedure according to the specific situation and take corresponding legal measures.