How to check whether the ID card is used by others

Nowadays, there are mainly two types of loans, one with a credit reference and the other without a credit reference. How to check whether your ID card has been stolen and you have a loan can be done from two aspects: those with a good credit report can check it from the central bank's credit system; those that do not have a good credit report are usually mobile phone loans, which can be checked in the mobile loan APP. arrive.

1. Check the central bank’s credit record Go directly to the bank's credit department to check the credit record of the central bank to check the ID loan record.

In addition, you can also log on to the official website of the central bank, register and log in to your personal account, and submit an application for querying ID card loan records. The system will notify us of the query results in the form of mobile phone text messages after 24 hours. We can also go there by ourselves. View the results in your personal account at the Central Bank. According to regulations, everyone has two free inquiries per year.

2. Check the personal account of mobile loan software

Mobile APP loans have become a popular trend in everyone’s loans, and some of them are not listed in the credit report, so there is no record in the central bank. So how do you check whether your ID card has been stolen and you have a loan? Generally, our loan status, including loan amount, term, application date, repayment method, etc., will be recorded in your loan account. By entering your loan account, you can check your ID card loan record. If you really can't find it, you can also call the customer service number of the loan company to inquire. You can check it by reporting your mobile phone number or ID number to the customer service staff.

Article 19: Staff members of state agencies or financial, telecommunications, transportation, education, medical and other units disclose citizens’ personal information recorded on resident identity cards obtained in the process of performing duties or providing services, which constitutes Anyone who commits a crime shall be investigated for criminal responsibility in accordance with the law; if it does not constitute a crime, the public security organ shall detain him or her for not less than ten days but not more than fifteen days, and shall also impose a fine of RMB 5,000. If there is any illegal income, the illegal income shall be confiscated.

If a unit commits the acts mentioned in the preceding paragraph and it constitutes a crime, it shall be investigated for criminal responsibility in accordance with the law; if it does not constitute a crime, the public security organ shall be responsible for the person directly in charge and other persons directly responsible for it and shall be sentenced to not less than ten days and fifteen years. Detention for not more than 10 days, and a fine of not less than RMB 100,000 but not more than RMB 500,000, and any illegal gains shall be confiscated.

Anyone who commits the acts in the preceding two paragraphs and causes damage to others shall bear civil liability in accordance with the law.

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