First, short term and continuous overdue. Personal credit information is an important basis to measure the applicant's credit standard. If the application part of the applicant's loan is overdue by 65,438+0 (representing overdue for more than 30 days), 65,438+0 will appear several times in the last 3-6 months, or 65,438+0, 2 and 3 will appear continuously.
Second, it has been overdue for many times within two years. Personal credit information will record the repayment of personal loans in the last two years. If the overdue times in these two years are less than five times, the overdue times will be1(within 30 days).
Third, there are many overdue bad debts. If it is overdue for many times. Repeated collection doesn't work, then it will be judged that the borrower is in arrears, that is, bad debts.
If you have bad debts, you must settle the money before you can apply for a loan. However, if the bad debt record is still not paid off, it will continue to appear in personal credit information until it is paid off.
It should also be noted that some seriously overdue online loans will stop blocking and freeze credit cards, which will affect credit records. Now is the era of big data information, and the lending behavior in the field of Internet finance will also be recorded, which will become a part of personal credit and will also be used by banks and other institutions as an important channel to understand their credit status.
Online lending is also a source of big data. Once big data is confused and classified as high credit risk, it will affect the restrictions on credit reporting and life. If you don't know, you can check your credit data, loan records and risks in the official WeChat account of Li You Data to help you protect your credit records.