Can’t buy it.

1. There are overdue records for more than 90 days in the personal credit report. Users will not be able to get a loan to buy a car until the overdue records are deleted.

2. If the overdue record is more than 90 days overdue, the overdue record will not be included in the credit report, or the overdue record will be included in the credit report but has been automatically deleted by the credit report system. At this time, the user can get a loan to buy a car.

What are the consequences of being overdue for more than 90 days? 1. Overdue records that are overdue for more than 90 days are seriously overdue. If there are serious overdue records in the credit report, the user will not be able to handle any credit business until the overdue records are deleted. .

2. The loan will charge a large amount of overdue interest, which will increase the user's repayment burden.

3. During the overdue period, users will encounter a large number of debt collections, and even their relatives and friends will also encounter a large number of debt collections.

4. The lending institution may sue the user, and then the court will order the user to repay. If the user refuses to repay, the court will enforce it.

5. If the user fails to pay off the debt when the court enforces it, he may be listed as a breach of trust person. After being listed as a person subject to execution, daily travel and consumption will be affected to a certain extent.

How to quickly eliminate overdue debts of more than 90 days 1. For overdue debts caused by personal reasons, users need to pay off overdue debts as soon as possible. If they are unable to pay off overdue debts at once, they can apply for negotiation with the lending institution. Repayment.

After the overdue debt is paid off, the overdue record will be retained in the credit report for 5 years, and the overdue record will be automatically deleted after 5 years.

2. For overdue reasons that are not caused by the user himself, the user can appeal to the lending institution. After the other party passes the review, the appeal will be lodged with the People's Bank of China Credit Information Center. The People's Bank of China Credit Information Center will complete the review and the staff will manually Delete overdue records.

Will there be any impact if the overdue record is overdue for more than 90 days but has been settled? If the overdue record is overdue for more than 90 days but has been settled, the overdue record will still have a negative impact on the credit report before the overdue record is deleted.

However, due to the late payment of overdue debts, the negative impact of overdue records will gradually decrease with the passage of time. After the overdue records are paid off, and the existence of the credit report exceeds 3 years, the impact will be It's very small.

Generally, when people use the central bank’s credit records, they will leave traces of inquiries, which is disadvantageous for borrowers. Moreover, most online loans are not listed on the credit report, so the credit report cannot be checked. to specific online loan information, but now you can also learn about your personal data through the "General Credit Check". If there is no query record, you can also learn more about online loan overdue information, application records, dishonesty information, online loan blacklists, etc. .

Extended information:

What are the consequences of having too many credit loan records that are not overdue?

There are many credit loan records, but there are no overdue records, which will not have a negative impact on personal credit.

There are more loan records in the credit report, which can only show that the user's financial situation is poor, but there are no overdue records, which shows that the user's willingness and ability to repay are strong, so these loan records will actually It is a good credit record. These good credit records can help users improve their overall credit score.

The borrowing record in the credit report is a normal credit record. This part of the record is necessary so that the user will not become a credit user.

Of course, users should also pay due attention to the frequency of loan applications and try not to apply for loans frequently in a short period of time. Even if each loan application is successful, a large number of loan records may leave financial institutions with financial problems. Bad impression.

After the user successfully applies for a loan, as long as each period is repaid on time, there will be no bad credit record. There is no bad credit record. Even if there are many loan records, the user's credit report is considered to be a good individual. Credit reference.