First, loans overdue is not on the road.
1. Stop raising loans with loans and make a reasonable repayment plan. Many friends who are not online loans borrow money from more than one platform, and some even use loans to raise loans. 2. Actively contact the loan platform to negotiate repayment. If the borrower is unable to repay the loan. It is suggested to actively contact the loan platform to show the repayment intention and temporary inability to repay to the institution to see if it can be postponed or repaid by installments. 3. Borrow money from relatives and friends. If there is no online loan for the time being, it is suggested that you can borrow money from relatives and friends to pay off the online loan first.
Second, the time to eliminate overdue credit records.
According to the Regulations on the Administration of Credit Information Industry, the retention period of bad personal information by credit information agencies is 5 years from the date of termination of bad behavior or incident, and it takes 5 years to eliminate overdue credit records, counting from the date of settlement of arrears. For example, if you are blacklisted on 20 19 65438+ 10, but your debt can't be paid off until 2020 65438+1 0/,then you have to wait until 2025 65438+/kloc- Five years later, this record can still be found, but it will show that it has been settled. If the repayment is overdue, the bad credit will always exist and will never be eliminated.
To sum up, borrowing money for consumption has become a new trend. With the increasing demand for loans, there are more and more online lending platforms in the market, which provides more convenience for people to borrow money, but more and more people are overdue. No matter what platform, formal loans must be reported to the credit bureau, so I suggest you do what you can, develop good consumption habits, and pay off the loans so as not to affect your life.