What should I do if I often receive overdue SMS notifications?

The methods for frequently receiving overdue SMS notifications are as follows:

1. Users need to find out whether they are overdue and whether the collection message is sent to them. Because at the time of collection, it is likely that their relatives and friends are overdue, which leads to their own collection, so users can ignore or tell each other; Then some criminals send phishing messages to defraud users of funds.

2. If it is indeed a short message sent by the platform and the user himself is overdue, then what needs to be done is to pay back the arrears, and then explain the situation to the platform and ask for reconciliation. As long as the debt is disposed of, there will be no more collection harassment under normal circumstances.

The method of inquiring overdue is as follows:

1. The most direct way to query overdue is to check credit information. We can know the specific overdue records through the credit report. There are two main ways to inquire about credit information;

2. Offline inquiry. Bring valid identity documents and photocopies directly to the Credit Information Center of the branches of the People's Bank of China. In recent years, many banks have supported the business of inquiring personal credit information, set up self-service inquiry machines for personal credit reports, and can print credit information reports with ID cards.

To sum up, when inquiring about your credit information, credit information can be said to be your "economic identity card". Whether applying for a loan or credit card approval, the bank will check your credit report.

Legal basis:

Article 4 of the Regulations on Credit Management

The state guarantees the healthy development of the credit information market in accordance with the law, and implements differentiated management for engaging in personal credit information business and engaging in credit information business of legal persons and other organizations.

Article 21

Credit institutions shall not disclose or use personal bad credit records that have been more than 5 years since the termination of bad credit behavior or events, and personal criminal records that have been more than 7 years since the completion of punishment.

Article 22

Credit reports, credit scores, credit ratings and other credit products provided by credit reporting agencies are only used as a reference for the transaction judgment and decision-making of credit information users and investors, unless otherwise agreed by the parties.