Why did you receive a letter from a friend?

Because when your friend applied, all the important contacts in the phone address book were given to the loan company.

Some credit cards, such as online loans, seem to have magical power. In fact, there are channels online to buy other people's address books and even online shopping information. Most mobile phone applications will collect this information of mobile phone users as long as you open the address book or something. Then, some APP materials will be scattered intentionally or unintentionally and bought by these people.

So it's not surprising that you received a letter from your friend.

First, information will be lost.

When a friend handles credit business, treat you as an emergency contact, fill in the contact number and submit it. Therefore, when financial institutions can't find anyone to repay, they will go to the customers of emergency contacts to understand the current situation of their friends and urge them to repay as soon as possible.

You are the guarantor of a friend's loan, so when a friend fails to repay the loan, the lending institution/platform will look for the customer. At first, you may ask your friend where to go and ask him to repay the loan as soon as possible. If a friend is unable to repay, it is estimated that you will be required to bear the corresponding repayment responsibility.

Your friend stole your identity information to make a loan, so after your friend fails to repay, the lending institution/platform will naturally not go to the other party, but directly come to you and ask you to repay. In this regard, the customer can explain the situation to the lending institution/platform, explain that the loan is not operated by himself, and let him find a friend who really borrows money to repay the loan.

Second, don't be afraid when your mobile phone receives a credit notification message.

In fact, the short messages received by mobile phones are all false, because credit reporting agencies will not inform information individuals in any form, such as short messages, telephone calls and emails, nor will they inform them that they are blacklisted. The role of the credit reporting agency is to record information, not to be responsible for the collection task of the platform. It can be seen that the received credit message is false.

Some online lending platforms or third-party collection agencies send text messages in the name of credit reporting agencies, putting pressure on debtors to make them feel that they have applied for credit reporting and let them take the initiative to repay. Generally speaking, this situation is false and is a common way in the collection process.

If you don't want to receive such information, you can report it as harassment information.