You can see bad debts in the credit report, even if they are not paid back for a long time, they will have no effect after collection. This outstanding account has a special mark. If this happens, it is either overdue or not returned, so you should pay back the money as soon as possible at this time, and there can be no credit report.
If you have bad debts, you need to find out the cause of them first. You can tell by going to the bank to print your personal credit report. Bad debts caused by overdue personal loans overdue or credit card can be handled by the bank. If bad debts are updated for more than one month, they cannot be updated immediately. So, I remind you to cherish your personal credit report. If the loan fails because the "bad debts" are not updated, it will be too uneconomical.