Credit Showing Dull Debt is a situation in which a borrower fails to repay a debt on time during the term of the loan, resulting in an overdue debt. Specifically, when a borrower is late on a payment for more than a certain period of time (usually 90 days), the creditor will record the overdue debt on the credit report, creating a record of bad debt. This record negatively affects the borrower's credit rating, exposing him or her to higher risks and restrictions on future borrowing, credit card applications, and so on.

A record of bad debt remains on the credit report for a certain period of time, which varies according to different countries and regions. During this period of time, the borrower's credit rating will be more affected, which may lead to difficulties in obtaining more credit lines or more favorable loan terms. Therefore, paying off overdue debts in a timely manner is an important way to maintain one's creditworthiness.

In short, a credit score showing bad debts means that the borrower has failed to pay his debts on time, which negatively affects his personal credit rating. In order to maintain a good credit history, borrowers should abide by the loan contract and make payments on time.

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