I received a message from Yixin. I said that if it is overdue, it will affect the children's schooling, and I will sue. And said it would disturb family and friends.

First of all, you have to find out whether you are overdue. If so, then change it as soon as possible. If not, you can log in to the credit information system to see if anyone will steal your personal information. If you have no loan repayment and a credit record, it means that your information has been used and you can only take legal channels! Finally, I will answer your question, as follows: If you are really overdue, the loan company will call the contacts in your address book and harass them in various ways. All the contacts will call again, saying that you don't pay back the money and that you are not good, then your future reputation will be ruined, so it is destructive! Also, don't doubt that they can't get your contact information, they have many means! Therefore, a little credit lies in accumulation!