Joke Collection Website - Public benefit messages - Will credit reporting bad debts be notified in the form of pictures?

Will credit reporting bad debts be notified in the form of pictures?

No.

After the bank disburses the loan, it will notify the borrower by text message or phone call before the monthly repayment date to repay the loan on time.

Bad debts shown on the credit report mean that the user has exceeded the repayment period in the loan and has not yet repaid the debt after repeated urging.