second, the credit report mainly includes personal basic information, information summary, credit transaction information details, public information details and inquiry records. If there is any overdue situation, you can check it in the credit transaction information details in the personal credit report. The report will directly show which bank's credit card or loans overdue the user has, and when and how much the overdue time is, and whether it has been paid off.
third, of course, if there is no overdue repayment, there will naturally be no overdue record in the credit information. Also, if the platform for applying for a loan is not connected to the central bank's credit information system, even if it is overdue on this loan platform, the overdue situation will not be reported to the central bank's credit information system by the platform and recorded in the personal credit information report.
fourth, according to the regulations on credit management, overdue records are generally only kept for five years, and after five years, overdue records will be deleted by the system.
The correct way for overdue credit investigation:
1. Short-term overdue
You should immediately make up the arrears, and then actively contact with financial institutions (banks and financial parties). Not all overdue cases will be recorded immediately, and some banks or financial institutions will have a few days' tolerance, that is, an extra grace period, and the longest is to report the overdue records to the central bank's credit investigation center next month. Therefore, once it is found that it is overdue, contact the arrears institution as soon as possible, make up the arrears, and actively cooperate to solve the problem before reporting.
2. If you have reported to the credit information system
and generally apply for a loan or credit card to inquire about personal credit information, as long as there are no bad records two years before the inquiry, there will be no problem, but the bad records will take five years to be eliminated, which is why many old railways are overdue for three years, but their credit records are still there, but they can still handle credit cards.
if the overdue record is generated, never cancel the card or account, let alone evade the debt. You should pay off the debt in time and continue to use the card for 24 months to maintain a good credit, so as to minimize the impact caused by overdue!
3. Being overdue
If your overdue credit information is not caused by yourself, such as an intermediary impersonating a loan or handling a credit card, or losing your ID card and spending it on a credit card, you only need to contact the bank to explain the reasons and cooperate with the bank's investigation. Generally, this overdue record can be disposed of within 15 working days.