Friends who borrow money may have this experience, and they often receive sales calls about loans, calling in the morning, afternoon or even evening. There are manual and mechanical ones. Anyway, it's all the same, the phone that sells loans. There are also all kinds of short messages about loans, which emerge one after another.
Obviously, I didn't do anything Just registered several loan software. Some people think that the interest rate is not bad, so they fill in the loan application. Unexpectedly, the problem is coming!
In fact, this is because our personal information has been leaked!
Who leaked our personal information? Non-compliant online lending platform.
When we register some online lending platforms as emergency "wallets", we may not think that the information filled in during registration will become the "commercial resources" of these non-compliant online lending platforms.
Among them, some online lending platforms are only responsible for promotion, and the platform itself has no borrowing channels. Their main profit model is "making information money".
Under the banner of providing loan services, they use personal information such as the borrower's mobile phone number and ID number as gimmicks to "help customers solve any loan problems" and then resell these information to other platforms or individuals. You may not know that a piece of personal information can be sold for 5-200 yuan on the black market.
So, what should we do when our personal information is really leaked?
First, the report
The online lending platform intentionally divulges the personal privacy of the borrower, or disseminates or trades the personal information of the borrower, which violates the relevant provisions on information collection and processing in the Cyber Security Law. You can report to China Internet Finance Reporting Information Platform to defend your legitimate rights and interests and protect your privacy from infringement.
Second, call the police.
The disclosure of personal privacy information is likely to be used by criminals for criminal activities such as online fraud. If the circumstances are serious, you can report to the public security organ, punish the criminals, and ask the illegal platform to bear corresponding legal responsibilities.
Generally speaking, formal online lending platforms have relevant regulations to protect the privacy of borrowers and ensure that the personal information of borrowers is not leaked. However, some informal online lending platforms will deliberately disclose the personal privacy information of borrowers in order to gain benefits.
This kind of deliberate disclosure of personal information is illegal. If personal privacy is leaked, we must take up legal weapons in time to safeguard our legitimate rights and interests.
In addition, remind everyone that when applying for a loan, you must keep your eyes open, try to choose a formal platform, and don't let criminals take advantage of it!
How to prevent identity information from being lent?
After the first ID card is lost, it should be reissued to the public security organ in time. If the identity card is fraudulently used during and after the replacement, the owner shall be exempted from liability. However, if the people's court or the arbitration commission thinks that the specialized issues need to be appraised, the parties concerned shall provide the appraisal materials they have, otherwise, the legal consequences of losing their rights may arise and they shall bear the risk of losing the case.
Second, when citizens need to submit copies of household registration books, identity cards, temporary id card, passports and other identity documents when handling matters, they should write "This copy is only for handling such and such matters, and the copy is invalid" to avoid being used by criminals and bringing unnecessary economic losses.
Third, if you sign a blank piece of paper, give it to your relatives or others without your knowledge, and then others take it to do business, the law still defaults to a true signature. You need to be especially careful to avoid signing blank letters of introduction, blank contracts, blank power of attorney and other legal documents.
Fourth, in a modern society ruled by law, you should pay attention to the evidence in everything you do. If you obviously haven't applied for a loan, but you receive a reminder message, you can carefully think about whether you have been granted a fake loan and take the following measures to actively solve it: 1, and actively negotiate with banks or financial institutions that handle loans and credit cards. If the bank refuses to solve the problem, it can bring the above-mentioned lawsuit to the people's court, demanding that the bank bear the responsibility of "lax examination"
2. Pay attention to collecting evidence, such as telephone chat records, signature handwriting, and photo images. In view of the fact that all kinds of contracts and evidence of fake loans are not signed by myself, you can apply for legal appraisal.
3. Stabilize your mind, don't be too flustered, don't listen to rumors that any intermediary can "whitewash" credit records or online loan big data, and solve problems through formal legal procedures.
4. Call the police immediately. Those who use citizens' information to engage in illegal activities will be severely punished. In addition, you need to find out from which channel your personal information was leaked, and close or cancel the authorization in time to reduce subsequent troubles.
5.1.Add an endorsement to the copy of the ID card. Note that the endorsement must be written in blue, and it must be signed within the scope of the ID card, but it cannot cover the name of the ID card.
2. Keep the bank card, especially the bank, category, loan amount, loan amount of the lending institution and other information of the credit card, and handle it in time if any abnormality is found.
3, orange data, get a personal credit report of your own in this official WeChat account in real time, and regularly check whether your mobile phone number and ID number have been stolen by others to register online loans.
Sixth, the emergence of online lending has indeed provided great convenience for loan customers, but when handling peer-to-peer lending, we must learn to distinguish between legal and formal loan platforms. Before applying for a loan, it is best to give yourself a credit test on this big data query platform to see if you meet the conditions for applying for a loan, so as not to spend big data on online loans without knowing it ~
How to prevent others from using information to borrow money online?
The environment in which we live is constantly changing. With the continuous growth of social economy and the continuous progress of science and technology, our living standard has been improved to a certain extent, our education level has become higher and higher, and people's awareness of risk prevention has become stronger and stronger. However, it is undeniable that with the continuous development of Internet of Things technology, there are many unknown factors in the network. And the phenomenon of information leakage is becoming more and more serious, so how can we prevent others from using information to borrow money online? In this case, you must be careful not to leave some important information or ID information on your mobile phone. At the same time, you must know that if you send some verification codes for no reason, you must be cautious. If someone wants these verification codes, we must ignore them. In this way, to a certain extent, we can ensure our information security and prevent others from using their information to borrow money. You should also know that you should always pay attention to your information security. And now many people like to put some personal information on their mobile phones, so in this case, we should also pay attention to locking the mobile phones. And always pay attention to anti-virus, because after some viruses invade our mobile phones, the information of our mobile phones may be leaked, so we should also pay attention to this aspect. Another point is to have a certain preventive mentality, don't take chances, don't covet big bargains. Because some criminals need to gain our trust by telephone, and then use our information to do all kinds of things, so we must be cautious about this situation and know this kind of thing.
Identity information leaked. What can be done to prevent it from being used for online loans?
Does the disclosure of identity information here refer to ID card, bank card and mobile phone number? Because I have to apply for online loans. No matter which one is missing, you can't get a loan.
Now the online loan platform review system is also constantly improving. For example, when applying for a loan, you need to brush your face to determine whether you are operating it yourself. Verify whether the mobile phone number is a real-name registration system, and the system is constantly improving.
If some of your information is leaked, you should try to remedy it as soon as possible. For example, if your mobile phone is lost, call the customer service immediately to inform the customer service, and lock the mobile phone card first to prevent others from using your mobile phone card to do illegal things.
It's the same as losing your bank card and ID card. You should call the bank card or report the loss at the counter first to prevent the money from being stolen. If you lose your ID card, you should report it to your local police station. These are the basic common sense that we should know, so as not to cause losses to ourselves.
In fact, these information leaks have little impact on online loans. Now online loans basically need to be authenticated. If it weren't for their own operation, it would be impossible to complete a whole system. Go on, if the system is not strong, brush your face, but the bank card and mobile phone number must be in the real-name registration system. If the two do not match, the application cannot be completed, so now the system is constantly improving, and the threshold for those criminals is getting higher and higher, so as to protect everyone's interests.
Another is that the information has been leaked for a long time, and I am still a little worried. Just go to the central bank to make a credit report and see if you have applied for online loans or credit cards recently. These are the most authentic information.
Here, I still suggest that everyone's private information must be protected. If it is leaked, report it as soon as possible to avoid serious losses to personal property.