Because bad credit records will be automatically eliminated, if it is a recent loan, it will definitely have an impact. How much credit can be granted, the regulations of each bank are not exactly the same. But if you apply for a loan two years later, because the bank only checks the records of the last two years.

Five years later, the personal credit report shows that the number of overdue accounts is 1, which is overdue for two months within five years, but how big is the specific impact?

But we must pay attention to maintaining good credit in the future. The impact should be much smaller, and there will be no impact.