Mr. Tang accidentally lost his identity card the year before last, and he is going to take out a loan to buy a car this year. But when I checked the credit information, I found that my name was borrowed by someone else and I owed a lot of money. Then, in this case, what should I do if I am in arrears when I am impersonating a loan? Can I still apply for a loan? According to my understanding, such a situation should be very difficult. If Mr. Tang has definite evidence to prove that he is a fake loan, he can provide relevant evidence to the bank to prove his "innocence", so that after the bank makes a clear investigation, the borrower's arrears and bad credit records in the credit information system can be cleared. If there is no relevant evidence, the borrower can not only borrow money, but also repay the loan under a pseudonym. Even if the evidence is complete, the record of arrears can be erased, but it is very difficult to implement in real life. So, I want to remind you that your ID card is very important. In daily life, you must keep your ID card and other relevant identification materials to prevent them from being used by criminals.