I mortgaged my car to Huitong Xincheng Leasing Co., Ltd. I haven't paid back the money since I paid the first installment. Now the credit report shows that it is overdue. What are the consequences of illegal accounts? Generally speaking, small loan companies or small loan leasing companies are not on the credit information system. However, after investigation, the controlling shareholder of the company you mortgaged is China Hongda Automobile Service Co., Ltd., which has strong strength, thus affecting your credit information. However, in order to analyze the specific problems, you only provided the information "You paid the first installment but didn't repay it". You need to provide more information to judge whether you will be a black account in the future.