Кредитный рейтинг is a public Telegram group — anyone can join without invitation. Your phone number is never visible to other members unless you've made it public in your Telegram privacy settings. You can leave at any time with a single tap.

No. Telegram never notifies your contacts when you join or leave a group. Other members inside Кредитный рейтинг can see your username only if you post — your membership is not visible to anyone outside the group.

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