Legal analysis: After the online loan is overdue, if the debt cannot be paid off for a long time, the lending institution can sue the court and apply for enforcement by the court.

Legal basis: "Regulations on the Administration of the Credit Reporting Industry" Article 16 The retention period of bad personal information by credit reporting agencies shall be 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, should be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.