How soon will the bank loans overdue receive the credit report?

Generally speaking, banks will report overdue records to credit reporting agencies after 30 days in loans overdue.

Detailed description:

1. After loans overdue, banks will generally remind customers to repay their loans by phone or SMS. /kloc-between 0/and 30 days overdue, although there is overdue, banks generally do not report it to credit reporting agencies immediately.

2. In loans overdue for more than 30 days, banks usually report overdue records to credit reporting agencies. This means that the information of overdue repayment will appear in the personal credit report, which will have an impact on the personal credit status.

3. The credit reporting agency will record the overdue situation in the personal credit report and give the corresponding credit rating. The existence of overdue records will reduce personal credit rating, which may lead to difficulties in applying for loans, credit cards and other financial products in the future.

4. If the overdue loan amount is large or overdue for a long time, the bank may take further recovery measures, such as legal means to recover the arrears.

5. It should be noted that due to the different policies of different banks, the specific time for overdue credit investigation may be slightly different, generally 30 days, but some banks may conduct credit investigation after 60 days or more.

Summary:

Generally speaking, the bank loans overdue will report the overdue records to the credit bureau more than 30 days, which will have a negative impact on personal credit and may hinder the application for financial products such as loans in the future. Therefore, it is very important for lenders to repay in time and avoid overdue repayment.

Extended data:

Credit reporting agencies are institutions that provide credit information services for financial institutions and other economic organizations according to personal credit status. Credit institutions mainly include central bank credit center, personal credit system and enterprise credit system. Personal credit report is a report compiled by credit reporting agencies based on personal credit records and credit information, which mainly records personal credit information and credit rating.

Personal credit rating is a credit rating comprehensively evaluated by credit reporting agencies according to the information in personal credit reports, which is generally expressed by letters and numbers. People with high credit ratings have better credit records, loans and credit card applications are easier to be approved, and they can also enjoy lower interest rates and better financial services; People with low credit ratings may face difficulties in borrowing, high interest rates and other credit restrictions.

Therefore, maintaining a good credit record and repaying on time is an important way to maintain personal credit.