Will there be overdue records in the credit report?

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 and 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.

Correct methods of overdue credit investigation;

1. short-term overdue

You should make up the arrears immediately, and then actively contact financial institutions (banks, financial parties). Not all overdue records will be reported immediately. Some banks or financial institutions will have a grace period of several days, that is, the longest one will be reported to the central bank's credit information center next month. Therefore, once it is found overdue, contact the arrears institution as soon as possible to make up the arrears and actively cooperate to solve the problem before reporting the case.

2. If it has been reported to the credit information system.

Generally, if you apply for a loan or credit card to check your personal credit, as long as there is no bad record in the first two years, there is no problem, but it takes five years to eliminate the bad record, which is why many old railways are three years overdue and their credit records are still there, but they can still apply for credit cards.

If there is an overdue record, never cancel the card, let alone evade the debt. You should pay off the arrears in time, continue to use the card to maintain a good credit for 24 months, and minimize the impact of overdue!

3. overdue

If your overdue credit is not caused by yourself, such as an intermediary impersonating a loan or handling a credit card, or spending your ID card with a credit card, you only need to contact the bank to explain the reasons and cooperate with the bank investigation. Generally, such overdue records can be disposed of within 15 working days.