CreditEase is a P2P loan, and now it has asked P2P to formally access the central bank's credit information system, so CreditEase's credit information at the meeting is overdue. Users borrowing on CreditEase's loan platform, as long as it is a normal credit repayment, will not have an adverse impact on personal credit information, on the contrary, it can be used as the user's credit certificate. However, once the overdue repayment is reported to the credit reporting agency, the personal credit reporting agency will be contaminated with bad credit, which will affect future loans.