unaffected. You are only an emergency contact and not a guarantor, so there is no need to be responsible for the overdue debts of the lender, and you have no repayment obligation. If the collection company asks you to help repay or threatens you, you can call the police and take legal measures to protect yourself. Leaving a phone number is a means to prevent risks. If the borrower follows the normal lending process, the loan company will not harass relatives and friends. Generally, the loan company will call the borrower's own phone number during the audit, and a few small loans will call their friends to verify the situation. Strictly speaking, they will ask about their work, loan purpose, family situation, address, etc. Many small loans and loose loan platforms will not even call to verify, so there is no need to worry too much in this regard.

if the borrower fails to repay the loan within the time limit, and the contact information can't be reached and no one can be found, then it is possible to inquire about the relevant situation through the phone number of the friend left behind.

if you want to hide your loan, it is recommended that you don't make overdue repayment, otherwise you will definitely call your friends. If your friend took out a loan and left your phone number, you will also receive a similar dunning call.

In addition to guaranteeing the loan, you need to sign in the column of guarantor to confirm that you need to bear the repayment responsibility. If someone leaves you a phone number for a loan, you don't need to bear the legal responsibility or the repayment responsibility. If the loan company harassing, intimidating or threatening you by phone, you can ask the police for help.

What will happen if you make a guarantee?

It will have an impact on the credit investigation. There are two kinds of guarantees, one is to help others make loan guarantees in banks, and the other is to guarantee in private lending. If you guarantee others in the bank, the money will be identified as your hidden liability by the bank. In your personal credit report, relevant guarantee information will appear. And it is "fully indebted".

because your credit report contains information about external guarantee, the lender's record of overdue repayment will also be shown in the credit report of the main lender. The guarantor's credit report will show the loan time, loan maturity date and overdue repayment time of the main lender. How much impact it will have depends on your future credit business organization and how to look at this problem.