For example \ x0d \ x0d \ Nothing is absolute. What matters is not simply telling you yes or no, but analyzing its possibility and how to take measures to reduce it. \x0d\\x0d\ Origin of the problem \x0d\\x0d\ Many friends entrust intermediaries to handle credit cards or loans. For various reasons, such as defaulting on agency fees, the agency will threaten to pull down the credit investigation. In this case, there is the problem of malicious extortion of credit information. \x0d\\x0d\ After all, entrusting an intermediary to handle loans or credit cards, personal information is given to the intermediary in advance. I'm really afraid of what the intermediary will do with personal data. Intermediary is also familiar with the psychology of customers, so it will be such a threat. \ x0d \ x0d \ Possibility of malicious hacking of credit information \ x0d \ x0d \ To tell the truth, it is possible for a person's credit information report to be maliciously hacked, but I am not sure whether others will really do it, because it is not easy and risky. \x0d\\x0d\ There are two main ways for malicious extortion of credit information: \x0d\\x0d\ First, fake loans. Others use your information to apply for a loan or credit card, and if you don't pay back the funds within the time limit, you will be scolded, and the credit investigation will of course be black. \ x0d \ x0d \ fake loans can be said to be very difficult. Lending institutions that have access to credit information are generally very formal and have strict risk prevention and control mechanisms for loans. \x0d\\x0d\ For traditional lending institutions such as banks, due to offline operation, loans are subject to strict pre-loan investigation and face-to-face signing system, and it is generally required to keep the video materials at the time of signing the contract, and others cannot act as agents, so the possibility of impersonating loans is very low. Unless someone inside the bank cooperates, it is a joke about your work. \x0d\\x0d\ For the Internet financial platform, it is difficult for others to make fake loans due to the application of mobile phone real-name registration system and face recognition technology. The most basic SMS verification link can't pass. The online loan application must have my real-name authentication mobile phone number to receive the verification code. As long as the mobile phone is in your own hands, others will not pass this threshold. Even if there is no SMS verification and no face recognition, there will be other verification methods such as telephone callback. \x0d\\x0d\ has a special case. There are many loopholes in the risk control of mobile phone installment loan. The staff of the mobile phone shop made a preliminary examination of the applicant's information. If others have mastered your personal information (photo of the front and back of your ID card, photo of your life, mobile phone number and photo of your bank card) and collude with the staff of the mobile phone shop, they may apply for a mobile phone installment loan under a pseudonym. This kind of fake loan is common and risky. \x0d\\x0d\ Second, malicious applications. Other people often use your information to apply for loans or credit cards. Although the application was unsuccessful, you left a lot of inquiry records in your credit report, which wasted your credit. In this regard, please refer to the article "Grey List of Credit Information" before this official WeChat account. Have you ever heard of it? "Do you know? Credit inquiry records may also have a negative impact. "\ x0d \ x0d \ Too many inquiry records will also affect a person's credit information. Although there are many inquiry records in the credit report, they are not necessarily black accounts, but they will definitely affect future loans, and it is basically impossible to apply for loans or credit cards in the future. \x0d\\x0d\ For loan intermediaries, there are generally channels to inquire about personal credit information, some through their own companies and some through other external channels. It is possible and easy for the intermediary to maliciously query the customer's credit report and leave a large number of query records. There are a lot of unreasonable inquiry records in personal credit report, which seriously affects personal credit. \x0d\\x0d\ But for institutions with credit inquiry authority, it is necessary to have a copy of ID card and my power of attorney to inquire about personal credit reports. Moreover, every time you query a personal credit report, there is a cost, ranging from tens to hundreds. So others will not take this method easily. \x0d\\x0d\ how to deal with it? \ x0d \ x0d \ It must be remembered that it is illegal for others to maliciously hack your credit information, at least it is illegal. \ x0d \ x0d \ First of all, you must pay attention to protect your personal data. The original ID card and the real-name authenticated mobile phone number must be carried with you, and the received mobile phone verification code cannot be easily given to others. \x0d\\x0d\ Secondly, check your own credit report regularly, and take timely measures if there is any abnormality. \ x0d \ x0d \ is a fake loan. It is difficult to obtain evidence, so it is recommended to find out who is most likely to do so first, and think about who the personal information was given before this loan. If there is a certain basis, then the bank or company that seeks the loan can complain to the credit management department of the local people's bank, file an objection application, report the case, or bring a lawsuit to the court. \x0d\\x0d\ is used for malicious query. Inquiring about personal credit report must be authorized by myself. If you find that a bank or other institution has inquired about your personal credit report without your permission. You can complain to the credit management department of the local people's bank, file an objection application, and ask the relevant bank or institution to delete the inquiry record. You can also directly sue the relevant banks or institutions. Anyway, someone has sued the bank and won 80 thousand compensation. \x0d\\x0d\ To sum up, it is possible to maliciously hack a person's credit information, but it is costly, difficult to operate and risky. Unless there is a deep hatred, others (intermediaries) will not really do so, in fact, more as a threat. From a personal point of view, it is also necessary to strengthen prevention. First, protect personal data, try not to entrust others with loans or credit cards, and don't give the original ID card and mobile phone to others; Second, check your credit report regularly and take measures in time if there is any abnormality.