You can entrust a lawyer to handle it.

The consequences of applying for an overdue credit report are:

1. It will be difficult to apply for a loan or credit card again: because one of the review conditions for applying for a credit card or loan is whether the credit report is overdue. Records, if any, will definitely affect subsequent loan and credit card applications;

2. Being sued: If the loan is overdue and is still not repaid after the credit report is filed, it will be regarded as malicious overdue if it is overdue for more than 90 days. , you may be taken to court by the lending institution, and in serious cases you may be imprisoned;

3. Travel restrictions: if the loan is overdue and is not repaid, you will be restricted from taking high-speed trains and airplanes, and your children will not be able to go to school. affected.

Article 16 of the "Credit Information Management Regulations"

The credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or incident; if the period exceeds 5 years years, should be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.