1. Recovered information can only be obtained if the borrower is overdue. The business types of recovery mainly include "asset disposal" and "prepayment business".
The information details will record the collection institution, the date of receipt of the creditor's rights, the original creditor, the original debt business type, the amount of the creditor's rights, the repayment status when the creditor's rights are transferred, the account status, the account balance, the latest repayment date and so on.
As long as there is recovered information in the personal credit report, the main body of the credit report must be overdue, and the key contents are the amount of creditor's rights, account balance, overdue funds for several months, and whether the account status is collection or termination.
2. After collecting bad debt information in loans overdue, the loan account will become a bad debt state after the long-term collection by the lending institution fails, that is, the account state formed by the borrower's long-term non-repayment.
Bad debt information includes loan account management organization, account opening date, loan amount, business type, guarantee method, repayment period, repayment frequency, repayment method, account status, account balance, latest repayment date, repayment details in the last five years, etc.
Among these contents, the key points are "bad debts" and "account balance", and the overdue time reflected in the repayment details.
3. Compared with the recovered information and bad debt information, the overdue time recorded in the overdue information is not very long, and it has not reached the point where bad debts are recovered.
The overdue information mainly includes account status, loan five-level classification, current overdue period, current overdue total amount, overdue principal of 3 1-60 days, overdue principal of 6 1-90 days and overdue principal of 965433 days, in addition to the basic contents such as management institution, account opening date, loan amount, business type, guarantee method and repayment method.
For example, the account status is overdue, the five-level loan classification belongs to the second level, the current overdue period is 2, and the current overdue amount is 6000 yuan. If these overdue contents are seen by other financial institutions, they will think that this person has poor credit and insufficient repayment ability.
There are many online loan big data systems that can provide online loan records. Important data information such as online loan application record, application platform type, overdue, overdue amount, credit card, estimated credit line of online loan can be found in Xiaoqi Credit Information.
Extended data:
Baidu has money to spend. Can I apply again after paying off?
If the money is overdue, even if it has been paid off, it is difficult to borrow money temporarily.
After all, the system will report the overdue situation to the central bank for credit reporting, so personal credit will be damaged, and it is difficult to repair the damaged credit quickly in a short time.
In this way, when the system finds credit problems in the process of loan approval, it will naturally refuse to approve loans on the grounds of high lending risk.
Of course, just because you can't borrow money temporarily doesn't mean you can't borrow it forever.
After paying off overdue debts in time, pay attention to improving credit and accumulate good records. After that, the new good record will gradually cover the old bad record, and personal credit will gradually improve. Then you can try to get a loan, and maybe you can get it smoothly (it is recommended to raise money for three to six months first).
When approving loans, we need to pay attention to the credit status in the last two years. The overdue bad records on credit investigation will be deleted by the system after being kept for at least five years after paying off the debts.