No one in loans overdue informed me of the credit investigation.

Loans overdue's application for credit is a complicated issue. Under normal circumstances, banks or financial institutions will feed back relevant information to personal credit reporting agencies after the deadline. However, not all cases will be notified for the following reasons:

First, there are certain procedures and regulations for personal credit reporting. After overdue, the bank will report the overdue loan information to the credit reporting agency according to the corresponding procedures, but it does not mean that every overdue loan will be notified.

Second, banks sometimes entrust a collection company to collect overdue loans, and the collection company may not inform borrowers to report credit information during the collection process.

Third, if the borrower's contact information changes or is not updated in time, the bank cannot inform the borrower to report the credit information.

In short, it doesn't necessarily mean that you will be notified when you apply for credit information after studying in loans overdue. Banks and financial institutions report information to credit reporting agencies according to corresponding procedures, but whether to notify borrowers is affected by many factors.

Supplementary information:

According to my personal understanding, personal credit report is based on the evaluation of personal credit status. Credit reporting agencies make assessments based on information provided by banks and other financial institutions, including loan repayment and credit card use. If the student aid loans overdue is not returned, the bank may report this information to the credit reporting agency, thus affecting the personal credit record. This may have a negative impact on the borrower's future loan ability and credit status.

However, regardless of whether the notice is received or not, overdue loans are unfavorable to personal credit. In order to avoid negative impact on personal credit, the borrower should repay the loan in strict accordance with the contract and try to avoid overdue. When you do encounter repayment difficulties, you should contact banks or financial institutions in time to seek solutions to avoid more serious consequences.

Summary:

Loans overdue's application for credit investigation may not be notified, which is mainly determined by the operating procedures of banks and financial institutions, the contact information of borrowers and their changes. Whether or not the notice is received, overdue loans will adversely affect personal credit records. Therefore, borrowers should abide by the contract, repay on time, actively communicate with creditors, and seek solutions to maintain personal credit status.

Extended data:

Personal credit investigation refers to the activities of banks and other financial institutions to collect, save and analyze personal credit information through personal credit information management institutions. The main personal credit agencies are the Credit Information Center of China People's Bank and the Credit Information Sharing Platform of China. Credit records are composed of credit information of personal loans, credit cards, guarantees, overdue payments and other financial behaviors, which have an important impact on personal credit evaluation.

When answering the above questions, I answered according to the possible explanations and related information that loans overdue, a student aid, failed to provide. I hope it helps you. If the information in the question is insufficient, the above answer will assume some supplementary information and try to give an explanation.