1. This situation may indicate that your credit history is overdue once, but the overdue time is within 90 days. You may not be on the blacklist.
In view of the above situation, I will elaborate from the following aspects:
2. First of all, detailed credit report and simplified credit report are two different credit reports, and their data sources and judgment criteria may be different. The detailed version will provide more comprehensive credit history information, including overdue and loan records. The simplified version of credit information is a simplified report form, which mainly provides the core information of credit records.
3. Secondly, please note that the credit data reported by different financial institutions and the definition criteria of overdue may not be completely consistent. Some financial institutions may report overdue records earlier, while others may keep overdue records for a period of time before reporting. Therefore, the different reporting time of different institutions may lead to the difference of overdue display between the detailed version and the simplified version of credit information.
In addition, the maximum overdue amount you mentioned is 3, but you didn't mention the specific overdue type and loan type. Different types of loans have different effects on credit investigation. For example, some financial institutions are sensitive to the overdue records of credit cards, but may have little impact on the overdue of other loans. Therefore, the specific overdue types and loan types will also have an impact on the final credit evaluation.
To sum up, although the long-form credit report shows that the maximum number of overdue times is 3 times, if the short-form credit report shows that the number of overdue times is less than 90 days, it is possible that your overdue record is not enough to blacklist you.
Extended data:
China's personal credit report includes two forms: detailed credit report and simplified credit report. Detailed credit information is provided by the Credit Information Center of China People's Bank, which includes comprehensive credit record information and comprehensively evaluates personal credit status. The simplified version of credit reporting is provided by commercial credit reporting institutions, which is a simplified form of credit reporting, and mainly provides the core information of credit records for financial institutions to quickly query and evaluate. Personal credit status has an important impact on loans, credit card applications and other credit-related financial services. Therefore, it is very important to maintain a good personal credit record and credit score.
Summary:
According to the information provided, the overdue situation of the detailed credit report and the simplified credit report is inconsistent, indicating that there may be differences between the credit reports. Possible reasons include different data sources and judgment criteria of credit reporting, and different financial institutions have different time and definitions of overdue reports. In order to comprehensively evaluate credit risk, we need to know more about overdue records and types of loans.
These are the answers.