If I really did not have a loan and did not lend out my ID to help others to get a loan
That is, the identity of the person is being used to get a loan under false pretenses
Check your personal credit to determine which bank loan
Dial the customer service phone number of the bank to file a complaint
The bank will undo the impact of the application on the personal credit after the investigation to determine that it is not the person who applied for the loan
There is a problem with the personal credit, so you should not be able to get a refund. >Personal credit problems will not affect, the following factors will affect the loan:
1, personal credit record is good. According to bank regulations, if the borrower's credit history within two years of three consecutive or cumulative six credit overdue, then the application bank is likely to be rejected.
2. Whether the debt ratio is too high. Although it is possible to apply for a loan with existing debts, if the borrower's debt ratio is too high, the bank will worry about your repayment ability and will not lend you money easily. Generally speaking, the borrower's total debt ratio should not be more than 50% of the total income at most, or else it will be difficult to apply for a loan.
3. Whether your spouse has a good credit history. If the borrower is married, then when applying for a loan, the bank will also need to inspect the creditworthiness of the borrower's spouse, and if the spouse has a bad credit record, then this will also have a direct impact on the loan.
So, whichever way you apply for a loan, the borrower's credit history is more critical.