Huimin's loans overdue has been two years. In order to solve the impact caused by overdue, we need to find ways to repay overdue debts and penalty interest in time. If we really feel the pressure of repayment, we should also actively negotiate with the platform to see if we can reduce some penalty interest or repay by installments. The longer overdue loans are delayed, the greater the impact on them.

Second, the specific analysis

After the Huimin loan is overdue, the platform will take the following measures to protect its rights and interests.

1, the loan amount decreased.

2. Freeze the credit line.

3. Ask to pay off the arrears in advance.

4. Investigate the liability for breach of contract.

5. Report the bad use behavior to the credit reporting agency.

6. Restrict the use of credit function.

7. Calculated overdue penalty interest.

It can be seen that loans overdue, which benefits the people, will bear more serious overdue consequences. Therefore, it is very important to keep a good record of borrowing and repayment. Don't be too blind before applying for a loan, so as not to bring too much debt pressure in the future.

Don't take it lightly when online loans are overdue. In addition to being collected, personal credit information will also be affected, especially online loans with credit information. Once there is such overdue record, it will seriously affect the handling of bank loans and credit cards in the future. Even if the processed online loan cannot be credited, you can access big data. You can check your online loan history, overdue details of online loans, liabilities, untrustworthy information and online loan blacklist in "North Inspection Quick Check".

3. What is the impact of overdue credit report?

The overdue credit report will have the following effects.

1, resulting in bad personal credit information.

There are overdue records in the credit report, which will lead to bad personal credit reporting. As long as there are overdue records in personal credit information, it will affect personal credit information.

Overdue records belong to bad credit records, which will have a negative impact on credit information until they are deleted.

2. Unable to apply for a loan.

Overdue records in the credit report will lead to poor personal credit reporting. Most loans require applicants to have good credit reporting records, so they cannot apply for loans with poor credit reporting.

Even online loans basically require applicants to have good credit information, and users with poor credit information will not be able to pass the loan review when applying for online loans.

3. Unable to apply for a credit card.

One of the conditions for applying for a credit card is that the applicant's credit information is good, but the applicant's credit information is poor, which will directly lead to the applicant's failure to pass the credit card approval.

Users with poor credit information will make the bank think that their repayment ability is insufficient and their willingness to repay is not strong, so they will directly reject the user's application when applying for a credit card.

4. Affect the follow-up job search.

When users apply for a job, some large companies and factories will ask to inquire about users' personal credit reports.

When the user has a bad credit record or a record of violating laws and regulations, then the job search company will think that there are certain problems in the user's personal moral quality.

At this time, the company will reject the user's job application.

5. Reduce the comprehensive credit score.

The comprehensive credit score is scored according to the comprehensive credit qualification of users. Bad personal credit information will seriously affect the score of comprehensive credit score, which will eventually lead to the reduction of personal comprehensive credit score.

After the comprehensive credit score is lowered, the probability of users applying for credit business and passing the examination will also be reduced.

6. Being sued by a lending institution.

When the user is overdue, the lending institution may sue the user.

Generally speaking, if the overdue time exceeds 3 months, the lending institution can sue the user.

Once sued, users need to actively respond, and personal credit will be further damaged.

7. Become a person who has lost trust.

After the user is sued, the court usually decides that the user loses the case, and after losing the case, the loan needs to be repaid according to the judgment.

If the user refuses to repay the loan, the court will enforce it.

If the user still fails to repay the loan after compulsory execution, then the user will be listed as an executor of dishonesty by the court.

After becoming a faithless person, travel, consumption and children's reading will be restricted to a certain extent.

8. It is classified as a risk.

If the user's credit report is overdue, the lending institution will list the user as a risk.

After becoming a risk, the probability of users passing the audit when handling loans will be reduced.

9. Can't enjoy preferential loans.

The loan amount, loan interest rate and loan term of some loans are based on the evaluation of users' credit qualifications. Users with poor credit information cannot obtain higher loan amount, lower loan interest rate and longer loan time.

10. The loan contract was terminated early.

After the user loans overdue, the lending institution can terminate the loan contract in advance according to the contract, so that the user will need to pay off the remaining outstanding debts at one time.

This will increase the repayment burden of users and disrupt their capital planning.