Credit investigation in loans overdue will bring serious harm to personal credit. Overdue loans will affect personal credit records and reduce personal credit rating, which will lead to problems such as lower credit rating, higher loan interest rate, difficulty in applying for credit cards, and limited housing rental. If loans overdue, can take the following measures to save.

First of all, communicate in time and arrange repayment properly. After you are in loans overdue, you should contact the lending institution immediately, explain the situation and put forward your willingness to arrange repayment. Actively communicate with lending institutions to seek suitable repayment arrangements to avoid further accumulation of late fees. Through communication with lending institutions, show your willingness and ability to repay, and strive for reasonable repayment period and installment payment.

Secondly, try your best to pay off overdue payments. Raise funds as soon as possible, try to pay off the principal and interest of the loan at one time, and reduce the losses caused by overdue. You can borrow money from friends, family and other channels to raise funds, or you can flexibly adjust your daily expenses to save money to speed up the repayment process. If it is not feasible to pay off in one lump sum, you can negotiate with the lending institution to arrange a reasonable installment repayment method.

In addition, actively broaden sources of income and increase repayment ability. You can find part-time, overtime or other sources of income to improve repayment ability and reduce the negative impact of loans overdue. Adjust your consumption behavior in time, plan the financial budget reasonably, and ensure that you have enough funds to repay overdue loans every month.

To sum up, loans overdue will seriously affect personal credit, leading to rising loan interest rates and other issues. However, through timely communication, reasonable repayment arrangements, efforts to pay off overdue funds and broaden income sources, we can save our credit status and reduce the harm caused by overdue.

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According to China's relevant laws and regulations, loans overdue for more than 90 days will be included in personal credit records, which will be recorded and adjusted by credit reporting agencies. Overdue records will be kept in personal credit reports for more than 2 years, which will have a lasting impact on personal credit rating and credit records. Banks, credit institutions and other financial institutions will refer to personal credit reports in loan approval, credit card application, housing lease and other links, and overdue records will become a negative factor, affecting the passage of related applications.

After loans overdue, the lending institutions have the right to take legal measures to recover the arrears, such as suing the court and taking legal compulsory measures. This may lead to further legal disputes and additional costs. Therefore, timely communication and proper repayment arrangements are the first step in overdue assistance.

In addition, individuals can improve their credit rating by gradually improving their credit records when their credit rating decreases. Pay off all debts in time, avoid overdue, maintain a good repayment record, and gradually restore the credit status. At the same time, the normal use of credit cards and reasonable loan repayment will also help to restore the credit rating.

In a word, loans overdue has done serious harm to personal credit, but through timely communication, reasonable repayment arrangements, efforts to pay off overdue funds and broaden income sources, personal credit can be saved and the negative impact caused by overdue can be alleviated.