A personal credit report that is overdue four times is Level 4

The personal credit report is an objective record. Whether it is one day overdue or 90 days overdue, it will be recorded truthfully. Credit cards that are 1 to 30 days past due are 1 to 31 to 60 days, etc., 180 days are 6 days. The more times a credit card expires, the more serious the overdue issue is.

Current delinquency refers to the minimum payment or number of consecutive missed payments specified in the loan contract. Since debts were not paid off for three consecutive months from March to May, there are currently three outstanding payments. I had paid off all the overdue balances before June, but after the June deadline passed, I still had not paid back the $2,000. That said, he was overdue again in June. Therefore, the current expiry date number is 1. Cumulative past due time is a cumulative count. As long as there is an expiration time, it will accumulate 1 time, so it is also 3 times. It was overdue a total of 3 times in the first 3 months, and again in the 4th month, and it was overdue a total of 4 times. The maximum overdue refers to the maximum value of the "overdue number" in history, that is, the maximum flow due from March to July. Not surprisingly, this is also phase three. Taking the historical high value of "current debt arrears" from March to May as an example, it was 3. Overdue credit investigation is divided into 6 levels. Whether it is 1 day or 90 days overdue, it will be recorded truthfully. Credit cards that are 1 to 30 days past due are 1 to 31 to 60 days, etc., 180 days are 6 days. The more times a credit card expires, the more serious the overdue issue is. Additionally, there will be no "good or bad" notes on an individual's credit report, nor will there be any distinction between "good or bad" debt.

What should I do if my loan is overdue? Based on the analysis of the specific amount of money owed, if the lender fails to repay after three reminders, it can file legal proceedings with the court within more than 120 days. It can also negotiate first and see that the other party can withdraw. If the negotiation fails, it will be repaid according to the court's decision. , if it is not performed, it will be enforced by the court. In serious cases, it will be judged as refusal to execute the judgment or a written order will be issued. If the loan is not repaid under special circumstances, the bank will agree to a temporary deferment after explaining its own situation. If it continues to be unable to repay after the delay, the bank may enforce it through a court judgment and then sell the borrower's property. If it is auctioned If it is not sufficient, the bank will continue to charge you. When the loan cannot be returned, users can borrow money from friends around them, but it can only help you temporarily.