Personal credit information plays a very important role in credit unions. Everyone should know something about their credit information. It is best to check 1~2 times a year to see if the above records are consistent with your own real situation. And many people find that there are loans but no loans. What should they do? Let's have a look.

What should I do if the credit report shows that there is a loan but there is no loan?

In fact, the credit report shows that there is a loan, but you don't have a loan, which may not have nothing to do with yourself. You have to analyze your specific situation, which can be divided into three situations, and the handling methods are different:

1, bank operation error. For example, if a person with the same name and surname lends money under his own name, or if the loan operator cheats, you can apply to the loan bank for objection handling, so that the bank can provide the loan certificate and loan video. If the bank finds out that it really didn't handle it by itself, it will apply to the credit center to modify the credit, and it will be able to restore credit and cancel the loan record in less than 20 days.

2. Being impersonated by others. The solution is similar. It is to file an objection application with the loan bank, so that the bank can clear itself and repair the credit information. Or call the police directly to solve the problem, let the police find out that it is not their own loan, and then ask the lending bank to modify the credit information.

3. Guarantee others. Although you don't have a loan, you have made a loan guarantor for others, and the credit record will also be displayed. If you are jointly and severally liable, you should repay the loan for the borrower when the borrower is unable to repay, otherwise your credit will be affected and the loan will be recovered by the lending institution. Unless the borrower is required to change the guarantor, he can only wait for the other party's loan to be settled.