How long can loans overdue get credit information mainly depends on the time stipulated in the contract signed by the bank and the lender. There is no uniform regulation. Whether a bank has a grace period or not, the length of the grace period is determined by the bank according to its own credit policy. The Credit Information Center has not made uniform provisions and will not cancel the grace period of banks.

In other words, how long it takes loans overdue to get the credit information mainly depends on the regulations of banks, the time to negotiate with banks when signing contracts, and how long it takes to get the credit information. Moreover, financial institutions generally have a grace period of 1 to 3 days for credit card repayment, and cardholders can repay within the grace period after the monthly repayment date, and credit records may not be submitted to the credit information system.

As for the frequency of updating personal credit data, it does not have much impact on individual users, because once the credit stain becomes a fact, it will only be 1 day or a month later. For the bank's loan operation cycle, generally more than one month, you can safely see the credit record of the loan applicant and reduce the misjudgment of the risk.

If the credit information is hacked, you can't take a train or plane, and the record of dishonesty will be known to potential partners. Those who violate laws and break promises seriously in the fields of taxation, securities and futures, civil aviation and railways will be banned from taking trains and planes for a certain period of time.

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Neglect and overdue are phenomena that many people will appear. Most people don't intend to default on loans, and this kind of overdue is also the easiest to solve. First, find the overdue money as soon as possible, and then call the bank to explain the reasons. Generally, there is a grace period within 3 days, and the bank can issue a non-malicious overdue certificate after 3 days.

If your overdue record has been shown in your personal credit report, don't give up on yourself. The first thing to do is to pay off the loan, and then maintain good credit habits. The automatic repair time of personal credit information is 5 years. After the bad records are generated, as long as the good records are kept for 5 years, the bad records will be automatically eliminated.

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