I don't have a loan. Why did you send me a message?

I don't have a loan. Why did you send me a message?

I received a text message without a loan. It is not ruled out that the mobile phone number was leaked, and the SMS sent by the loan platform did not really go to the loan. Or his mobile phone number is a second-hand number, and the former owner registered the loan platform with this number and did not change it. The loan platform still sent a text message to the registered mobile phone. It is also possible to get the loan and forget it. Might as well make sure. You can check the credit information to see if there is a loan record of the platform in the newspaper. If not, you can leave it alone.

I don't have a loan. Why did you send me a message?

I didn't have a loan, but I received a loan text message.

When applying for a loan and filling in the loan application form, the contact information and telephone number of the lender should be filled in. If you don't have a loan but receive a loan text message, there are many reasons.

First, the reason for receiving the loan text message

Obviously there is no loan, but I received a loan text message. One possibility is that the identity phone information is leaked, and the identity information is used as a loan by others, and you will receive a loan message. One possibility is that you have received a scam message, and the fraudster is tricking you into replying to the message and then committing fraud. Another possibility is that friends or relatives around you have borrowed money, saying that you are an emergency contact. When the lender can't contact the lender, it may send you a loan message. Another possibility is that you made a loan guarantee for others, and you signed your name on the other party's loan contract to provide a guarantee, then you will also receive a loan message.

Second, if you don't have a loan but receive a loan text message, you can do this.

If you don't have a loan, but you receive a loan text message, you must be vigilant first and don't reply easily. When you receive such short messages and strange phone calls, you should pay more attention to the source of the short messages and phone calls, and don't reply blindly easily, and be alert that this may be a short message fraud. If you can't confirm, you can ask your friends or relatives if you wrote your phone number when you applied for a loan. You should check it carefully and make sure it is reliable before replying. Don't call back or reply to messages easily, so as not to cause unnecessary property losses. The most important thing is not to be greedy and cheap, not to always pay attention to interests, and to be mercenary, so it is easy to be deceived and fall into the trap designed by fraudsters. Never be greedy for petty gains, greedy for money, speculating and getting something for nothing.

Third, there is no loan, but you are still concerned about receiving the loan text message.

Mainly say three times, don't transfer money, don't remit money. Whenever you receive this unwitting message, you should always be vigilant, protect your property, and don't click on the URL or link on the message at will. This is a very dangerous operation, the best way is to ignore it. Usually, you can watch more anti-fraud videos to improve your anti-fraud awareness. Remind friends and relatives around you not to pay attention to such inexplicable short messages.

If you receive a loan text message without a loan, you should pay attention to keeping your personal information strictly.

Why do you receive repayment information when there is no loan?

If the mobile phone often receives loan information, it is probably because:

1. If the user has borrowed money from the loan platform before, even if the loan is settled, personal information will be left on the loan platform, and the loan platform may send a loan invitation message for new sources of performance;

2. If the user has never made a loan, it may be official website, who has entered some loan platforms before and consulted information, and is considered as a potential customer, so the loan platform will also send a loan invitation message;

3. It may be that the user's personal information is inadvertently leaked, and the loan platform will send a loan invitation SMS to expand the business after obtaining the user information; Or the user's personal information is stolen by others to borrow money.

Factors affecting the success of the loan:

1, even three times six

"Three consecutive years and six consecutive years" is a combination of "three consecutive years" and "six consecutive years". Generally speaking, "three consecutive months" refers to overdue repayment, and "six consecutive years" refers to six overdue repayments in a year.

If there is a situation of "three consecutive times", it means that your personal credit report is extremely bad, and the bank will judge the individual as having a very bad impression. Then, there is a great risk that the borrower's loan and credit card application will be rejected.

2. Late payment

Overdue, especially never, and as long as there is no repayment, the record will always exist. The overdue records of credit cards are all recorded in the credit report. Therefore, people who have never paid back the credit card money indicate that personal credit information is poor, so personal mortgage will be rejected by banks. Therefore, you must pay attention to keeping your personal credit information and don't discredit your credit information.

Why didn't I get a loan from Banyan Tree, so you sent me a text message asking me to pay it back?

It may be that the lending institution sent the wrong text message, or that someone else left the user's mobile phone number by mistake when applying for a loan.

The first case can be ignored, because such short messages are generally sent in groups, and users can directly block them. The latter user can contact the lending institution and tell the lending institution that others have left their mobile phone numbers. As long as the lending institution deletes the user's mobile phone number information, subsequent users will not receive the information.

Because most users' mobile phone numbers are not confidential, it is possible for others to get their own mobile phone numbers to apply for loans. As long as the user does not provide the verification code to the stranger, there will be no case of identity theft to apply for a loan. Moreover, users can check whether there is a loan in their own name by querying. If there is no loan, they can directly ignore some loan information.

Lending institutions generally send repayment information in groups to remind users to repay, so mistakes will also occur. As long as the user has not applied for a loan, he can ignore such information directly.