I haven't received the short message from the bank. What should I do if the mortgage credit is overdue?

If the mortgage credit information is overdue due to the failure to receive the bank SMS, the following measures can be taken to solve it:

First, contact the bank as soon as possible to explain the situation and ask them to send relevant text messages for confirmation. Communicating with the bank by phone, email or offline is the first step to solve the problem.

Secondly, banks can be required to provide relevant certification materials, such as mortgage repayment records, bank running water, etc., to prove that they repay on time. This can make up for the bad influence caused by the lack of bank short messages.

In addition, you can appeal to the Credit Information Center of the People's Bank of China and provide relevant evidence that the overdue records are caused by bank short messages. The credit center will investigate and verify the relevant information, and if the evidence is conclusive, they can make corresponding corrections in the personal credit report.

To sum up, if you don't receive the short message from the bank, which leads to overdue mortgage credit, you need to contact the bank in time and ask for relevant certification materials. At the same time, you can appeal to the credit center, prove the situation, and ask for correction of the credit report. These measures are helpful to repair the credit impact caused by the lack of bank short messages.

Extended data:

Credit records are very important for personal financial and credit activities. Banks inform customers of the date and amount of repayment by sending short messages, reminding customers to repay on time, and including repayment records in personal credit report. If these messages are not received for some reason, the overdue records may be recorded in the personal credit report, thus affecting the personal credit evaluation results. Therefore, it is very important to contact the bank in time when encountering similar problems. At the same time, the Credit Information Center, as a regulatory body, can provide a channel to mediate contradictions and correct improper credit records, and help individuals safeguard their credit rights and interests. However, please note that when dealing with such problems, we should try our best to keep in touch with banks and credit centers, and leave vouchers for subsequent inquiries and complaints.