According to the latest credit regulations, bad credit records can only be kept for 5 years at the longest, so after the loan is settled for 5 years, loans overdue records will no longer be displayed in the credit report. Therefore, it is suggested to pay attention to the credit record, ensure the timely repayment of loans and credit cards, and "refresh" the credit report. If you want to apply for a loan before "refreshing" the credit information, it is recommended that the financial institution that goes to the student loan issue a non-malicious overdue certificate. If there is a non-malicious overdue certificate, the adverse effects of overdue will be minimized. Moreover, it is not absolute that you can't get a loan with bad credit. Financial institutions will comprehensively consider loan demand, credit information and repayment ability.