1. The personal credit report is overdue for more than 9 days. Before the overdue record is deleted, users will not be able to borrow money to buy a car.
2. If it is overdue for more than 9 days, the overdue record can't be credited, or the overdue record has been credited but has been automatically deleted by the credit information system. At this time, the user can borrow money to buy a car.
What are the consequences of overdue for more than 9 days? 1. Overdue records that are overdue for more than 9 days are seriously overdue, and there are serious overdue records in the credit information. Users will not be able to handle any credit business until the overdue records are deleted.
2. A large amount of overdue interest will be charged on the loan, which will increase the repayment burden of users.
3. During the overdue period, users will encounter a lot of collection, even friends and relatives around them will encounter a lot of collection.
4. The lender may sue the user, and then the court will judge the user to repay the loan. If the user refuses to repay the loan, the court will enforce it.
5. If the court enforces that the user has not paid off the debt, he may be listed as the person who has broken his promise. After being listed as the person who has been executed, his daily travel and consumption will be affected to some extent.
how to quickly eliminate the overdue for more than 9 days? 1. If the overdue is caused by my own reasons, the user needs to pay off the overdue debts as soon as possible, and cannot pay off the overdue debts at one time, and can apply to the lending institution for negotiation repayment.
after the overdue debts are paid off, the overdue records will be kept in the credit information for 5 years, and the overdue records will be automatically deleted after 5 years.
2. In case of overdue due to reasons not attributable to the user, the user can lodge a complaint with the lending institution. After the other party passes the examination, it will lodge a complaint with the People's Bank of China Credit Information Center, which will complete the examination and the staff will manually delete the overdue records.
has it been overdue for more than 9 days but it has been settled? If it has been overdue for more than 9 days but it has been settled, the overdue records will still have a negative impact on credit investigation until they are deleted.
However, due to the overdue payment of overdue debts, the negative impact of overdue records will gradually decrease with the passage of time. After the overdue records are paid off, the credit information will exist for more than 3 years, so its impact will be very small.
Generally, people will leave traces of inquiry when they use the central bank's credit records, which is unfavorable to lending friends. Moreover, most online loans are not available for credit investigation, so they can't find specific online loan information, but now they can learn their personal data through "general credit investigation". Without the inquiry records, they can also learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on.
Extended information:
What's the impact of too many overdue credit loan records?
There are many credit loan records, but there are no overdue records, which will not have a negative impact on personal credit.
there are many loan records in the credit investigation, which only shows that the user's economic situation is poor, but there are no overdue records, which shows that the user's willingness and ability to repay are strong, so these loan records are good credit records, which can help users improve their comprehensive credit score.
The loan records in the credit investigation belong to normal credit records, and it is necessary to have these records, so that users will not become credit investigation users.
Of course, users should also pay due attention to the frequency of applying for loans, and try not to apply for loans frequently in a short period of time. Even if they succeed in applying for loans every time, a large number of loan records may leave a bad impression on financial institutions.
after a user successfully applies for a loan, as long as each installment is repaid on time, there will be no bad credit records, and even if there are many loan records, the user's credit information is a good personal credit information.