Hello, landlord, this risk depends on the situation analysis. Personal credit report is unified from China People's Bank, so direct inquiry from the website and China People's Bank is safe.

In another way, the credit information of personal online loan will be authorized by you to be inquired by the loan specialist, so the loan specialist is at risk of information leakage. Therefore, it is suggested that the landlord apply for a loan through a regular bank. After all, banks are managed by the China Banking Regulatory Commission and the People's Bank of China, and loan specialists are professionally trained and have high moral standards.

Second, will the loan reveal information?

cannot

The first difficulty

At present, regular online lending platforms not only provide positive and negative information of your ID card, but also require you to take a photo of your ID card (some strict platforms also require you to bring a blank sheet of paper with the name of the online lending company written on it, which is to determine the loan for yourself), and since 20 16, many online lending platforms have started face recognition, which is the first difficulty.

The second difficulty

Regular online lending platforms generally require you to provide auxiliary materials, including: (1) proof of residence: if it is a self-owned property, provide property ownership certificate and household registration book; If renting a house, provide a residence permit and a house lease agreement; (2) proof of income: generally, it is required to provide the bank flow for the last six consecutive months; (3) Work certificate: the work certificate issued by the unit or the labor contract signed with the unit; (4) Credit authorization or personal credit report; (5) Other information: information such as provident fund, social security, car loan and mortgage depends on the requirements of each platform, which is the second difficulty.

The third difficulty

(1) Mobile phone number: it is required to provide a mobile phone number with a real name of more than 6 months, and the real-name authenticator of this number must be the same person as the borrower, and the phone numbers of two common contacts are also required. These two must be real, have talked, not cyber hackers.

(2) Bank card: The funds for online loans can only be allocated to the bank card under the applicant's name, that is to say, the molecule applies for online loans with your ID card, and the final funds must be allocated to your account name (of course, he can find an account with the same name and surname as you, because the bank only looks at the name and doesn't check the ID number), but this probability is too low, just to get your ID card information and know the password just to find a bank card with the same name and surname.

But there is another situation, that is, your bank card and personal information are all lost or leaked, and the other party uses your information to apply for online loans, and at the same time uses your bank card to receive loans from loan companies. At this time, you should protect your bank card password, and report the loss and reissue it immediately after you find that your bank card is lost.

Third, will personal information be leaked by online loans?

It is illegal to borrow money from others when personal information is leaked. The victim is not responsible for repaying the loan. The act of successfully receiving online loans by using someone else's ID card shall be deemed invalid.

Provisions on several issues concerning the application of law in the trial of private lending cases

Article 2 When a lender brings a private lending lawsuit to the people's court, it shall provide creditor's rights certificates such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between lending and borrowing.

If the creditor is not specified in the IOUs and receipts held by the parties, and the party holding the creditor's rights certificate files a private lending lawsuit to defend the plaintiff's creditor's rights, if the people think that the plaintiff is not qualified as a creditor after examination, the ruling will be rejected.

Thirteenth in any of the following circumstances, the private loan contract shall be deemed invalid:

(a) Obtaining loans from financial institutions for lending;

(2) Lending funds obtained by other means of profit or illegally absorbing public deposits;

(3) The lender who fails to obtain the loan qualification according to law aims at making profits;

(four) the lender knows or should have known in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans;

(5) Violating the mandatory provisions of laws and administrative regulations;

(6) Violating public order and good customs.

Fourth, online loans will reveal personal information.

I will.