I immediately borrowed 5000 yuan from consumer finance, and received a letter of notification that I was seven months overdue in replying to MMS.

Credit information is collected at the meeting after the instant financing is overdue, but it is not absolute. Depending on the product, there are different situations. For example, instant finance is a formal financial institution. Regardless of the loan threshold and application conditions, the review of credit information is essential and the most basic part. At present, according to your situation, you have received a notice to reply to MMS, which is a means for the collection party to urge repayment. If you are really prosecuted, you will be issued a court summons, but you will not be prosecuted after a long time, so you should pay off your debts as soon as possible.