How long will the overdue online loan be recorded?

Under normal circumstances, the borrower loans overdue for more than 3 days, someone will start to collect.

Second, the specific analysis

According to the regulations, financial institutions must truthfully send the borrower's loan and repayment records to the central bank's credit information center within T+ 1 day. Therefore, after more than 3 days, the borrower's overdue records will definitely be reported to the credit bureau, and financial institutions will also start to collect them.

However, the beginning of telephone collection does not mean that borrowers will immediately come into contact with the address book. As long as the collection staff can contact the borrower, and the borrower has a good repayment attitude, and the overdue time does not exceed 1 month, there is a high probability that the address book will not be contacted. Similarly, when the borrower's overdue time exceeds 1 month, most of the collection personnel will take some violent collection methods in order to collect.

In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

Third, how to improve the comprehensive score of personal credit?

Insufficient comprehensive scores can be recovered by uploading real information, increasing asset certificates, paying off some debts, repaying overdue debts, avoiding repeated applications, etc. Details are as follows.

1, upload real information

Before applying for a loan, the user must first use his real mobile phone number to receive the verification code and register a loan account. When actually applying for a loan, he must upload his real and effective information, such as his ID card and real-name registration system bank savings card, so that the system can confirm that he is applying for a loan and evaluate a higher comprehensive score.

2. Add an asset certificate

The reason why the comprehensive score is insufficient may also be that the user's asset certificate is few, which leads the system to think that the user's income level cannot be repaid normally. Therefore, before applying for a loan, users can also upload their own asset income certificates, such as salary flow, social security accumulation fund deposit details, immovable property certificate, vehicle ownership certificate, etc. , so the system will consider the user's qualification is good and evaluate a higher comprehensive score.

3. Pay off some debts

If the user's loan records and credit card records show that the debt is too high, the loan platform will think that the user's solvency is limited, resulting in insufficient comprehensive score. Users should take the initiative to settle some revolving loans and consumer loan products before applying for loans, so as to reduce the debt level of users and obtain a higher comprehensive score.

4. Repaying overdue debts

If the user's loans and credit cards are overdue, they must be repaid in time and cannot be overdue again in the next six months to 1 year, so as to get a higher comprehensive score. However, if it is particularly overdue, you can only apply for a loan after the five-year retention period recorded in the credit report has passed.

5. Avoid repeated applications.

When users need a loan, don't just test the loan amount on different loan platforms, which will leave a record on the credit report, thus affecting the approval of the loan. Before applying for a loan, users should understand different loan platforms, choose good loan products and avoid submitting loan applications repeatedly, so as to obtain a higher comprehensive score.