How to treat overdue credit reporting?

First, if there are overdue records in the credit report, they will be displayed directly in the report.

Two, the credit report mainly includes personal basic information, information summary, credit transaction information details, public information details, query records. If there is any overdue situation, you can check it in the credit transaction information details in the personal credit report. The report will directly show which bank's credit card or loans overdue the user has, when and how much the overdue time is, and whether it has been paid off.

Third, of course, if there is no overdue repayment, then there is naturally no overdue record in the credit investigation. Also, if the platform for applying for a loan is not connected to the central bank's credit information system, even if it is overdue on this loan platform, the overdue situation will not be reported to the central bank's credit information system by the platform and recorded in the personal credit information report.

Fourth, according to the credit management regulations, overdue records are generally only kept for five years. After more than five years, overdue records will be deleted by the system.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: v 1.3.3

Credit investigation records personal credit behavior in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.

201212 on February 26th, the State Council's premier Wen Jiabao presided over the the State Council executive meeting, which deliberated and passed the "Regulations on the Administration of Credit Information Industry (Draft)". The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished. China's credit information industry has grown from scratch, its role has become increasingly apparent, and the credit information market has begun to take shape. The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users.

The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates strict market access conditions and corresponding approval procedures for credit reporting agencies to engage in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies to collect, store and provide credit information, and clarifies the rights of information subjects.

The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage. The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee.

However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.