Your credit report shows that the loan has not been repaid, but you have no loan. Maybe your information was stolen by others, and you didn't repay it in time after the loan was used. Therefore, your credit report contains outstanding information about the loan. Go to the bank to make sure there is a loan, and then call the police to help you. If the case is closed, the outstanding information of the credit loan can be applied for cancellation.

If I really don't have a loan and I don't have an ID card to help others get a loan.

Someone used his identity to make a fake loan.

Check personal credit information to determine which bank is lending.

Call the bank customer service to complain.

After investigation, the bank determines that the application of non-applicants will be revoked, which will affect personal credit information.

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 record appears three times or six times in a row within two years, then the applicant bank is likely to be rejected.

2. Whether the debt ratio is too high. Although you can apply for a loan with existing liabilities, if the borrower's debt ratio is too high, the bank will worry about your repayment ability, so it will not lend you easily. Generally speaking, the borrower's total debt ratio cannot exceed 50% of the total income, otherwise it is difficult to apply for a loan.

3. Whether the spouse's credit record is good. If the borrower is married, the bank also needs to check the credit status of the borrower's spouse when applying for a loan. If the spouse has bad credit, it will directly affect the loan.

Therefore, no matter which way you apply for a loan, the borrower's credit record is more critical.