If someone else fraudulently uses their ID card to get a loan and has a bad record and cannot get the loan, you can contact the lending bank, check the loan information, look for evidence of the loan that was not yours, and then apply for the bank to coordinate and solve the problem. If the evidence is complete, you can sue to solve the problem. .

Only the original ID card can be used to apply for a loan, and other information needs to be supplemented. If the ID card is not lent or otherwise cooperated with the loan, it will be exempted.

The general loan application process is as follows:

The borrower submits a loan application;

Prepare loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement mortgage, pledge, unsecured contract or other guarantee contract;

Bank Loan;

Post-loan management;

Repay the principal and interest when the loan is due.