First, in real life, because of the disclosure of personal information, incidents of handling cards or loans occur from time to time, and everyone must be alert to this. However, due to the different nature of loans, the ways and methods to find out whether they are loaned are also different.

1) When a bank or a licensed financial institution lends money, you can check the credit report by yourself and compare the number of credit cards and loan accounts in personal basic information with the actual situation.

2) Other private loans that are not connected to the central bank's credit report can't be found out, and only loans overdue can know when he receives the dunning text message and phone call.

Second, what should I do if I am inexplicably loaned?

Don't be afraid of being impersonated. You don't have to repay the money you borrowed. If the circumstances are serious, legal weapons should be used to safeguard their legitimate rights and interests.