Will you know that you have been loaned?

I can't immediately know whether I have been loaned, because there are two situations of being loaned. One is to borrow money from banks and financial institutions. After success, I won't receive a text message. Only after the overdue or loan records are uploaded to the credit information center and updated will they be displayed to let me know that I have been loaned. The other is a private loan company. You won't know unless the criminals fill in your own phone number and the organization calls you for collection.

So how do you know if your confidant has been loaned? Inquiries can be made through the Credit Information Center of the People's Bank of China. If you don't have a loan record and are worried that your identity will be loaned by others, you can go to the Credit Information Center of the People's Bank of China to inquire about the Personal Credit Information Record Report, and there will be loans in your name on the national network. Of course, this report is lagging behind, about a month. If you have already opened the online bank of the loan bank, you only need to log in to the online bank official website for loan inquiry.

For example, if your own information is used by criminals for loans, it will definitely leave relevant records. Customers can directly log in to the Credit Information Center of the People's Bank of official website and China, and access the personal credit information service platform on the Internet to check personal credit reports to see if there are any loans they don't know and I haven't done. If there is, it is suspected that personal information has been fraudulently used by others.

Customers can also go to some third-party data platforms to inquire about their online loan big data. Many criminals use other people's information to borrow money, and most of them will apply for online loans with relatively simple conditions and loose approval. These online loans are generally recorded in big data and will not be recorded in credit information.

Also, if personal information is used by criminals to make loans, criminals will definitely not repay them, and then they may be discovered by lending institutions and platforms. Therefore, if they receive repayment messages or collection calls from unsuspecting lending institutions and platforms, it is likely that their information has been stolen by others to get loans.