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What if someone else uses my ID card to get a loan?
First, how to check that your ID card has been fraudulently used by others?

1. How to check whether your ID card is fraudulently used by others is as follows: 1. Open the Alipay homepage and enter "In" in the search bar.

Service platform ",click search; 2. Go to the homepage of the service platform and click on the calling card "One Certificate for General Enquiry"; 3. Fill in the relevant information and click "Query";

2. Legal basis: Article 19 of the People's Republic of China (PRC) Identity Card Law.

If the staff of state organs or financial, telecommunications, transportation, education, medical and other units disclose the personal information of citizens recorded in resident ID cards obtained in the course of performing their duties or providing services, which constitutes a crime, criminal responsibility shall be investigated according to law; If the case does not constitute a crime, it shall be detained by the public security organ from 10 to 15 and fined 5000 yuan. If there are illegal gains, the illegal gains shall be confiscated.

Second, what should I do if my ID card is fraudulently used by others?

1. If the personal identity card is stolen, resulting in a bad credit record, then the parties can appeal on the premise of sufficient basis, and the court will make a ruling. The court finally ruled that the parties did belong to the bad credit records caused by the theft of their ID cards, and the bad credit records of the parties could finally be eliminated in the bank credit information system;

2. If the parties have no reasonable basis to prove that their bad credit records are caused by the theft of their ID cards, then they need to bear the corresponding legal consequences. On the one hand, to pay off the arrears, and at the same time, to eliminate bad credit records, we can only use new credit records to cover the original credit records;

3. The longest retention time of personal bad credit records is five years. The parties concerned shall keep a good credit record within five years from the date of arrears, and the bad credit record can be eliminated after five years. If necessary, it can be solved through legal channels.