1. Inquire about the central bank's credit record. If someone borrows money with an ID card, it will be recorded in the credit system of the People's Bank of China. You can go directly to the bank's credit department to check the central bank's credit records.
In addition, log in to official website, the central bank, register and log in to personal account, and submit an application for inquiring ID card loan records. After 24 hours, the system will inform us of the query results by SMS, and you can also query the results in your personal account. According to the regulations, each person has two free inquiries every year;
2. Personal account inquiry of mobile phone loan software. Nowadays, mobile APP loans have become a popular trend of everyone's loans, and some of them have not been filed with the central bank. In general, loan information, including loan amount, term, application date and repayment method, will be recorded in my loan account. When you enter your loan account, you can find your ID card loan record. If you really can't find it, you can also call the customer service phone of the loan company to ask, and you can find it by reporting your mobile phone number or ID number to the customer service staff.
legal ground
Article 12 of the Law of the People's Republic of China on Resident Identity Cards (1) When a citizen applies for a resident identity card, the public security organ shall handle it in a timely manner in accordance with the provisions;
(2) The public security organ shall issue resident identity cards within 60 days from the date when citizens submit the application registration form for resident identity cards; In areas with inconvenient transportation, the processing time may be appropriately extended, but the extension time shall not exceed thirty days;
(3) If a citizen urgently needs to use a resident identity card during the period of applying for obtaining, renewing or replacing a resident identity card, he may apply for a temporary resident identity card, and the public security organ shall handle it in a timely manner in accordance with the regulations.
The specific measures shall be formulated by the public security department of the State Council. The relevant units and their staff members shall keep confidential the personal information of citizens recorded in the resident identity cards obtained in the course of performing their duties or providing services.