(Yeni) – Nowadays, many bad guys steal other people’s personal information to fraudulently borrow money. Take a few minutes to check if you have fake information to get a loan.
Currently, borrowing money from credit institutions is becoming increasingly easier when borrowers only need to provide their ID card/CCCD number and phone number. Taking advantage of this, bad guys steal other people’s personal information to fraudulently borrow money. Don’t wait until the bank reports you a huge debt before you realize you’ve been taken advantage of. Take a few minutes to check if you have fake information to get a loan.
Revealing information about CCCD/ID card has many potential risks
Currently, most people have switched to using chip-embedded CCCDs. Compared to ID cards and barcode CCCDs, chip-embedded CCCDs contain more information through scanning QR codes and electronic chips attached to the card. This has unintentionally created opportunities for bad guys to take advantage of it to violate the law, especially high-tech crimes.
Bad guys can get information, photos taken on CCCD and perform loan transactions on the app for the purpose of appropriation. In addition, people can be taken advantage of by using two-sided ID/CCCD images to register for postpaid subscriptions with network operators. Then, the fraudsters will make international calls, or make domestic calls and the cardholder may have to pay outstanding fees… Not to mention, virtual companies will use the information personal information, photo of ID card/CCCD to register for tax code to bypass the authorities…
Revealing information about CCCD/ID card has many potential risks
To minimize damage, immediately after realizing that ID card/CCCD information has been leaked, people need to retrieve ID/CCCD photos immediately after posting them online or mistakenly sending them to others.
People need to regularly check account information and loans because bad guys, after obtaining the cardholder’s personal information, may carry out actions to appropriate assets, the most common of which is fraud. en borrow money through apps with simple loan procedures.
How to check if information has been falsified to get a loan
+ Look up through CIC’s website
CIC (Credit Information Center) is the Credit Information Center, directly under the State Bank of Vietnam. This organization has the function of receiving, storing, analyzing, processing, and forecasting credit information of individuals and organizations to serve the operations of banks and credit institutions.
To look up bad debt through CIC, you need to follow these steps:
Step 1: Visit https://cic.gov.vn/
Open a browser on your computer and access CIC’s website at https://cic.gov.vn/, then click the Register box in the upper right corner (if you don’t have an account).
Step 2: Fill in all personal information
Next, you need to fill in all important personal information, for example, full name, date of birth, phone number, ID card/CCCD number… For the ID Card/CCCD Photo section, users must take 3 photos including Front photo, back photo and portrait photo with ID card/CCCD. Note, items marked with an asterisk (*) cannot be left blank.
Step 3: Wait to check the information
After filling in all information and completing registration, you need to wait a few days for CIC to check the information and authenticate the account.
If approved, users only need to access CIC’s homepage and select Report extraction on the menu bar, then log in with the corresponding account and follow the instructions to look up bad debt.
Look up through CIC’s website
+ Look up via CIC Credit Connect application on your phone
In addition to looking up on the website, CIC Credit Information Center also supports bad debt lookup through the CIC Credit Connect application on the phone. The search steps are as follows:
Step 1: Download the CIC Credit Connect application
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Download the CIC Credit Connect application for your phone via the App Store or Google Play. Then sign up for a free account.
Step 2: Fill in personal information
Fill in personal information to authenticate your account, including full name, photo of ID card/CCCD…
Step 3: Wait for the system to check and approve
After completing the above steps, users must wait a few days for CIC to check and approve. The waiting time can last from 1-3 days, excluding Saturdays, Sundays and holidays.
Step 4: View report
Once approved, access the Report Exploitation section, then re-enter the OTP code (sent to the phone) to re-authenticate.
Finally, users click to view report to see information related to credit score and risk level, total amount owed to credit institutions/banks (if any), list of organizations. Outstanding credit (if any)…
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