Cancel campus loans? Fake! At a time when social credit reporting is getting more and more attention. Every time I hear the words "loan", "line" and "credit", it is easy to make people nervous. Many college students with insufficient social experience avoided "campus loan", but did not "cancel campus loan". Deception means to cancel the campus loan fraud means are divided into two categories: one is aimed at people who have registered online loan platform accounts or have loan records-scammers claim that "it is necessary to cooperate with the cancellation of accounts according to relevant national policies, otherwise personal credit information will be affected". One is for unregistered online loan platform accounts or no loan records-the scammer said that "your identity information has been stolen and registered online loan accounts, and you need to cooperate with cancellation, otherwise it will affect your personal credit information".

This kind of fraud routine is mainly divided into several steps:

1. Pretend to be "customer service of loan platform" and take the initiative to contact. Liars pretend to be "loan platform customer service" and can accurately tell the victim's real name, ID number, school name and even consumption records, and then commit fraud after gaining the trust of the victim.

2. Make up excuses to make you panic. The scammer uses the victim's fear that "online lending will affect credit reporting" to trick the victim into "clearing the credit line" on the grounds that "the cancellation of online lending accounts requires clearing the credit line first"-that is, going to major online lending platforms to cancel all loan lines.

3. After transferring money to the account, the blackmailed swindler claimed that "the online loan will be fully returned after cancellation", tricking the victim into transferring all the loans extracted from the online loan platform to the "checking account" provided by him (that is, the swindler's personal account). After the victim transfers money, the liar will blacken the victim.

Correct approach

First of all, keep calm and alert when receiving such calls, because the operation of online loan account has not been cancelled. As long as you pay off the loan on time, it will not affect your personal credit information. Remember that personal credit information cannot be artificially modified.

Second: For matters in doubt, you should log on to the official platform or consult the official customer service.

Third: once you are cheated, you should keep the relevant materials and call the police immediately.