detailed description:

1. Credit reporting agencies usually submit overdue records to personal credit reports. In personal credit report, overdue records can have a negative impact on credit score and reduce personal credit rating.

2. However, four days overdue is not a long time, and if the repayment is made immediately, the overdue record may not be regarded as an important negative factor by the credit information system.

3. In the credit information system, the timeliness and stability of repayment are important factors. If the individual has other good repayment records and can maintain good repayment habits in the future, the impact of overdue for 4 days will be relatively small.

4. However, although repayment immediately after four days' overdue will generally have no obvious impact on credit reporting, too many overdue records or frequent overdue behaviors will cause serious damage to personal credit, which will further affect access to loans, credit card applications and other financial services.

Summary:

If the loan is overdue for 4 days, it will not have a significant impact on personal credit information if it can be repaid immediately. However, maintaining good repayment habits is the key to maintaining personal credit, and avoiding frequent overdue behaviors can ensure the health of credit records.

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