1. If the personal identity card is stolen, resulting in a bad credit record, the parties concerned may appeal and make a ruling on the premise of sufficient basis. Finally, it is ruled that the party concerned is indeed a bad credit record caused by the theft of the ID card, and the bad credit record of the party concerned can finally be eliminated in the bank credit information system.

2. If the parties have no reasonable basis to prove that their bad credit records are caused by the theft of their ID cards, then they need to bear the corresponding legal consequences. On the one hand, to pay off the arrears, and at the same time, to eliminate bad credit records, we can only use new credit records to cover the original credit records.

3. The longest retention time of personal bad credit records is five years. The parties concerned shall keep a good credit record within five years from the date of arrears, and the bad credit record can be eliminated after five years. If necessary, it can be solved through legal channels.

Second, can someone else get a loan with a copy of my real estate license and ID card?

Your friend has a real estate license and your friend also has an ID card. If he forges a power of attorney, it says that you entrust him to make a mortgage loan, or you agree to provide a guarantee for his loan, then he can use your property to mortgage the loan. If you have a real estate license number and ID card, you can go to the real estate bureau to check.

Third, others use a copy of my ID card for loans?

You can't borrow money with your ID card.

Conditions for applying for loan business:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.