How long does it take to recover from overdue loans on credit:

1. Generally, information on overdue loans is reported to credit bureaus within 30 days of the date of overdue payment, which instantly affects a person's credit record.

2. After you have paid off all the overdue amount and reached a settlement agreement with the creditor, it usually takes about 30 days for the credit bureaus to update your credit report in a timely manner, marking the overdue as resolved.

3. Credit records are kept for a long period of time, usually 5 years, so a past due record will show up on your credit report for quite some time.

4. To improve your credit, it is advisable to pay off your outstanding debts in a timely manner and ensure that you make future payments on time. Good repayment behavior can gradually improve credit score.

Summary: Late loan information may be reported to credit bureaus immediately, but it takes time to restore credit, usually about 30 days. Good repayment behavior is the key to gradually improving credit scores.

Extended information:

Late payment of loans can have a lasting impact on a person's credit history, which may result in higher interest rates on loans or difficulty in obtaining new credit products. It is recommended to abide by the loan contract and make timely repayments to maintain a good credit history. In China, the main credit bureaus are the People's Bank of China Credit Center, Hundred Bank Credit and other private credit bureaus.