If you borrow money from banks or formal channels, you will check the credit record. Even if the civil lawsuit is over, it doesn't mean that your credit history is intact. It is recommended to try it in different banks. Some lending conditions are loose and there may be opportunities.

Private lending is called private lending because lending is not standardized, and even transactions are conducted directly in cash without going through banks, so it is unlikely to be found from banks. The absence of private loans from the bank's credit report does not mean that there is no problem with credit reporting. When reviewing personal credit information, banks should look at personal credit information records on the one hand and conduct due diligence on lenders on the other. In a case like this, the verdict is public and the bank can check it. Cases involving private lending will also raise the threshold for banks to approve lenders.