Being one week overdue will have little impact on your personal credit report. While late payments can have some negative impact on one's credit history, being just one week late usually doesn't lead to major consequences.

Specifically:

1. Credit bureaus usually regard late repayments as part of the credit record and evaluate them based on the time and frequency of overdue payments. Although short-term overdue payments cannot be ignored, they have less impact than long-term overdue payments or multiple overdue payments.

2. If the borrower is one week overdue, the borrower will usually be recorded in the credit report, but this does not necessarily lead to a significant drop in the credit score. Banks and other financial institutions often consider the completeness and continuity of repayment records when considering credit scores.

3. Timely repayment of debts during the overdue period can reduce the negative impact on your credit history. If you repay the loan immediately after it is overdue and keep repaying it on time thereafter, the impact on your personal credit score will be further reduced.

4. It should be noted that even if one week overdue has little impact on your credit report, overdue repayment should still be avoided as much as possible. Timely repayment can maintain a good status of personal credit history, thereby obtaining better credit conditions and financial opportunities.

Summary: Although being overdue for one week may have a certain impact on your credit report, the impact is smaller than being overdue for a long time or multiple times. Paying off debts promptly and maintaining the habit of on-time repayment are effective ways to maintain your personal credit record.

Extended information: China's personal credit information system is mainly managed by the Credit Information Center of the People's Bank of China and is used to evaluate personal credit status. The system is based on personal credit reports, including repayment records, loan information, overdraft limits, etc., and provides financial institutions with a reference for assessing borrowers' credit risks. Late payments will be recorded on one's credit report and may affect future loan applications and interest rate terms. Therefore, individuals should try to avoid late repayments to maintain a good credit standing.

The above is an answer based on the operation mode of China’s personal credit system and the usual experience. Specific circumstances may vary depending on personal credit history, borrowed amount, repayment frequency and other factors. If you need an accurate personal credit assessment, please consult the relevant financial institution or credit reference center.