Send text messages to people you can't trust with your mobile phone number.

I'm sorry to hear about your difficulties. According to the information you provided, I can give the following answers:

1. Yes, overdue online loans will have a negative impact on personal credit, but it may not be reported immediately. Black account status refers to being listed in bad credit records due to overdue reasons, which may lead to a decline in credit rating.

2. It is indeed a serious problem that online loans are overdue for more than 800 days. I suggest you actively communicate with creditors, make repayment plans and solve the debt problem as soon as possible.

3. The attached private number may be the contact information of the creditor or the contact information of the collection company, but they can't disclose the private number publicly through SMS at will. If you are worried about the disclosure of personal information, you can consult the relevant legal department or seek professional advice.

Although you have difficulties at present, you can take positive actions to rebuild your credit. Negotiating repayment plans with creditors, seeking professional advice and strengthening personal financial management ability are the key to solving the problem.

Summary: overdue online loans have a negative impact on personal credit, and the identity of black households will lead to a decline in credit rating. It is the key to rebuild credit by communicating with creditors as soon as possible and taking active actions to solve the problem of default. If you are worried about the disclosure of personal information, you can consult the relevant legal department or seek professional advice.