1. The impostor should take the initiative to negotiate with the bank that handles loans and credit cards;

2. The impostor should pay attention to collecting evidence. In view of the various contracts and evidences of impersonation loans that I did not sign, I can apply for legal appraisal;

3. The impersonator should not listen to the rumor that any intermediary can whitewash the credit record, and choose formal legal procedures to solve the problem.

The process for banks to handle loans is as follows:

1, apply for a loan, and bring information to the bank outlets to apply for a loan;

2. Audit: the bank verifies the applicant's credit information, assets, personal data and other information;

3. sign the contract. After passing the examination, the bank signs a loan contract with the lender;

4. Loan issuance: the bank issues loans on schedule according to the loan contract;

5. When repaying the loan, the lender shall repay the loan principal and interest in full according to the time agreed in this contract.

Article 16 of the People's Republic of China (PRC) Identity Card Law

One of the following acts, given a warning by the public security organs, and impose a fine of 200 yuan. Illegal income, confiscate the illegal income:

(a) using false certification materials to defraud the resident identity card;

(2) Renting, lending or transferring a resident identity card;

(3) illegally detaining another person's identity card.