Detailed description:

1. Banks and credit institutions will regularly report the borrower's repayment, including overdue, to credit reporting institutions.

2. Overdue repayment will lead to bad credit records, which will have a negative impact on personal credit rating.

3. Credit reporting agencies will evaluate the credit status of individuals according to their credit records, and overdue repayment will reduce the credit score.

4. A short overdue time may have little impact on the credit score, but the longer overdue time, the greater the negative impact on credit investigation.

5. The record of overdue repayment is usually kept in the personal credit report for a period of time, which may affect the approval results of financial products such as loans and credit cards in the future.

6. After overdue repayment, it is helpful to pay off the arrears in time and negotiate with the bank to solve the problem, which will reduce the impact on personal credit.

Summary:

Overdue repayment will affect credit reporting and have a negative impact on personal credit. It is suggested to repay the loan on time to avoid overdue, and communicate with the bank to solve the problem in time when overdue occurs.

Extended information:

Credit reporting refers to that a financial institution forms a credit record by reporting the credit information of an individual or an enterprise to a credit reporting agency, and evaluates the credit status of a borrower according to this record. Overdue repayment is considered as one of the bad credit behaviors, which may affect the approval results of financial transactions such as loans and credit cards in the future. Credit information is mainly managed and operated by the Credit Information Center of the People's Bank of China and other credit information institutions.