Generally, if you are overdue, you will not go to the credit reference list, because if you are overdue, you will not necessarily go to the credit reference list. Usually it is necessary to go through litigation procedures, make a judgment to confirm the creditor-debt relationship, and then enter the execution procedure. If the other party meets the legal conditions, the applicant can apply to the court to include it on the credit list.

Legal Basis

Article 4 of the "Regulations on the Administration of the Credit Reporting Industry"

The People's Bank of China (hereinafter referred to as the Credit Reporting Industry Supervision and Administration Department of the State Council) and its dispatched The agency supervises and manages the credit reporting industry in accordance with the law. Local people's governments at or above the county level and relevant departments of the State Council should promote the construction of social credit systems in their respective regions and industries, cultivate the credit reporting market, and promote the development of the credit reporting industry.