My mortgage was overdue by one day. The next day, I saw the dunning message and immediately put the money into the repayment card. What impact does this have on credit reporting? Is it serious?

It's not serious, but it is recommended to contact the bank customer service as soon as possible to explain, because there will be two situations:

1, some mortgages will be overdue for 3 days, and there will be no record after 1 day;

2. You can still register the credit report, and the corresponding loan record will show 1 1. This means that it is overdue within 1 month. It doesn't have much impact on your second loan or anything else. However, the requirement for most bank loans is that there is no 1 at present, which means that there is no overdue at present. You can submit a credit report to the People's Bank of China in one month.

Credit investigation is a Chinese vocabulary, and its pinyin is zhēngxìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Zhuan Zhao Zhuan Gong Eight Years, "A gentleman keeps his word, so his resentment is far greater than his body". Among them, "collecting by faith" means that the words can be verified to be credible, or the credit can be solicited and verified.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.

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, and the credit information publicity album means that the trustee (creditor) believes that the trustee (debtor) has the repayment ability and agrees with the promise made by the trustee in the future. 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 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.

The People's Bank of China organized commercial banks to set up credit information systems for enterprises and individuals, and established credit files for130,000 enterprises and nearly 600 million natural persons nationwide. In other words, the credit status of these enterprises and individuals engaged in economic and financial activities will be recorded on the "economic identity card" and become a file that will always accompany the enterprise (himself). If loans overdue has any other breach of contract, the "economic identity card" will be painted with a gray stroke, and you may face more cautious and critical eyes when applying for a loan from the bank in the future.