How long will the online loan be overdue for credit reporting?

Online loans that exceed a certain period of time will be reported to the credit bureau.

1. Yes, overdue online loans will generally be credited after more than 90 days. This is because according to the relevant regulations of the People's Bank of China, the borrower's personal credit information should be submitted to the credit reporting agency in time, so that the credit reporting agency can form an accurate credit report. Loans overdue's breach of contract for more than 90 days will have a negative impact on the borrower's credit record.

2. The purpose of credit investigation is to remind other financial institutions and borrowers to avoid refinancing risks and protect the stability of the financial system. By incorporating overdue records into the credit information system, banks and other financial institutions can more comprehensively understand the repayment ability and credit status of borrowers, so as to make more informed loan decisions.

3. Overdue records will be kept in personal credit reports for a long time, usually for 5 years. This means that overdue behavior may affect the borrower's credit rating and credit lending ability for a long time. Therefore, it is suggested that borrowers plan their financial situation reasonably, repay on time and avoid overdue repayment.

Extended data:

According to the Measures for the Administration of Basic Database of Personal Credit Information issued by the People's Bank of China, all kinds of financial institutions shall submit relevant information of borrowers to credit reporting agencies in a timely manner. Overdue record is one of the important indicators, which will have a direct impact on personal credit rating and credit record. Therefore, timely repayment is one of the keys to maintaining personal credit. In case of repayment difficulties, it is suggested to communicate with creditors in time and seek solutions to avoid the formation of overdue records. At the same time, borrowers can also learn about their credit status by consulting personal credit reports regularly and correct possible problems in time.