Is it my responsibility for my friend to borrow money with my mobile phone number?

If your mobile phone number is used by someone else for a loan and it is overdue because there is no repayment, then you will definitely be affected.

Second, the specific analysis

First of all, because the other party left a phone number, if the loan platform wants to call for money, it will directly look for it, and will not look for the person who defrauded the loan.

Because of the overdue situation, it is possible that the platform will continue to send text messages for collection.

Therefore, our daily life will inevitably be disturbed.

In addition, criminals who use other people's information to defraud loans often apply for platforms with low thresholds and informal loans. Such platforms may also obtain address book information and call family and friends in the address book, which will also affect relatives and friends.

Secondly, there may be bad records in big data after loans overdue. After all, loan fraudsters borrow money with information.

In this way, I want to borrow money in the future, which may be blocked by credit problems.

Therefore, it is recommended to take good care of personal information at ordinary times and not to disclose your information to others easily.

If you find that your information has been fraudulently used by others to defraud loans, you must make it clear to the lending platform in advance and handle the big data problem. I don't have to bear the responsibility of repayment.

Just search: Xiao Qi New Tea. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

3. What should I do if someone borrows money from my mobile phone number and sends me a message now?

If someone uses their own mobile phone number to borrow money, the loan platform sends a message asking for repayment. It is suggested to call back directly to inform the loan platform of the specific situation, indicating that the loan is not operated by themselves, and let the other party find the person who swindled the loan to pay back the money.

And you don't have to bear the responsibility of repayment.

In fact, you can also try to find people who use their own information to defraud loans through the platform, or see if you have disclosed personal identity information to people around you recently, and let the other party bear the responsibility for repayment as soon as possible after finding someone.

It should be noted that some loan platforms may ignore the explanation and still keep sending messages calling for repayment.

In this regard, we can only report to the local CBRC or the Internet Finance Association.

Usually, you should take good care of your personal information, don't cause security risks because of information leakage, and don't borrow money from unknown small loan companies. Information and capital security are not guaranteed, and some platforms may deliberately sell information.