Detailed description:

1. First of all, overdue credit reporting refers to the behavior of individuals who fail to repay their debts on time in financial transactions such as loans and credit cards. The overdue situation will be recorded in the personal credit report.

2. Under normal circumstances, nine consecutive overdue cases are regarded as serious breach of contract and identified as illegal households. This means that personal credit records are seriously damaged, which will affect their future financial transactions such as applying for loans and credit cards.

3. The identity of the black account will be shared by financial institutions. Other financial institutions will consider the identity of this person's black account when reviewing personal loan or credit card applications, and may refuse to provide financial services.

4. In addition, the image of black households in the financial market is poor, which has a negative impact on personal credit rating, and may lead to the inability to obtain low-interest loans, the purchase of houses or vehicles and other financial activities are restricted.

5. Summary: Credit investigation overdue for 9 times can be regarded as a black account, which will have a serious negative impact on personal credit records and limit financial activities and opportunities to obtain preferential interest rates.

Extended data:

The importance of personal credit records is increasingly prominent, and the standard of how many times overdue credit records are regarded as black households may be different in different financial institutions or regions. Therefore, in the actual situation, it is necessary to evaluate whether individuals are identified as black households according to the specific policies and regulations of financial institutions. In order to maintain a good credit record, individuals are advised to abide by the loan contract, repay the arrears on time and maintain a good repayment record. If overdue occurs, communicate with financial institutions in time and solve the problem as soon as possible, which can reduce the negative impact on personal credit records.