detailed description:

1. There is an information sharing mechanism between banks and credit reporting agencies, so banks will report overdue records to credit reporting agencies. The overdue repayment will be recorded in the personal credit report and become a part of the credit score.

2. Credit score is a system that credit reporting agencies evaluate according to personal credit performance. Overdue repayment will reduce the credit score. The lower the credit score, the worse the personal credit status, and it may be more difficult to obtain loans, rent houses or apply for other credit products in the future.

3. The length of overdue repayment records will also have different degrees of influence on credit investigation. The longer the overdue repayment time, the greater the negative impact on credit reporting.

4. Credit records are usually kept for a period of time, which varies according to specific regulations. The record of overdue repayment may be kept in the credit report for several years, which will continue to affect personal credit.

summary:

5-day overdue repayment will have a negative impact on credit reporting, so lower the credit score and keep it in the personal credit report for a period of time.

Extended information:

Credit investigation refers to a system in which banks and financial institutions evaluate and record the credit status of individuals or enterprises. In China, credit reporting agencies are mainly managed by credit reporting centers authorized by the central bank. Credit records include personal basic information, loan information, overdue repayment records and so on. Credit report is an important reference for personal credit status, which affects personal loans, leasing, credit card approval and so on.

note: the above answers are only based on common sense and general situation, and the specific situation needs to be based on the actual banking policies and the regulations of credit reporting agencies.