Overdue online loans may affect your family’s credit score. This is because in some cases, family members may appear in online loan contracts as co-borrowers or guarantors. If the primary borrower defaults on payments, this information may be reflected on the family's credit report, negatively impacting their future borrowing ability and credit assessment.

1. ***Same Borrower: If the family and the borrower*** sign a loan contract at the same time, the overdue record of the main borrower will affect the credit of all ***same borrowers .

2. Guarantor: Family members may act as guarantors to provide guarantee liability for online loans. If the main borrower fails to repay the loan overdue, the creditor has the right to require the guarantor to perform its guarantee obligations and submit the overdue information to the credit reporting agency.

Summarizing debt and querying third-party big data platforms can help borrowers better understand their debt situation, including overdue information. This can help create a more reasonable repayment plan to avoid overdue situations and minimize the potential impact on your family’s credit score.

Summary: Overdue online loans may affect your family’s credit score, especially when your family is the same borrower or guarantor. By querying the big data platform and understanding their own debt situation, borrowers can better manage their debt, reduce overdue risks, and protect their family's credit history.

Extended information: In China, the main credit reporting agencies include the People's Bank of China Credit Reporting Center, Baihang Credit Reporting, etc. These institutions collect and organize personal credit information, including loan, credit card and other credit-related data. Overdue repayment records will have a negative impact on personal credit ratings, affecting future borrowing capacity and interest rate conditions. Therefore, timely repayment is an important part of maintaining good personal credit.