This situation is actually rare, because even if a person is overdue for a short time, it is difficult for us to see a person overdue for two years or more. Some people even let the loan company go bankrupt. At this time, you can repay the loan by inquiring about personal credit information.

You should check your personal credit history first.

Generally speaking, a person's personal credit record has a personal credit summary and a detailed description of personal confidence. You should first check whether you are overdue in your personal center summary, and then find the specific payment situation in the detailed description. In personal credit investigation, every sum of money will have related lenders and borrowers. You can trace this lender to find the repayment agency.

You can also call the local industry and commerce department to find out the contact information of lending institutions.

Some lending institutions may have changed their names, and some even transferred your creditor's rights. In this case, you can contact the lending institution by contacting the industrial and commercial department. This situation is generally rare, because banks and lending institutions will take the initiative to contact lenders after the average user is overdue. But if this happens, I think it is necessary for you to repay the loan voluntarily, and there is no need to affect your normal life in the future because of the loan.

You can find a professional financial person to help you check your credit information.

In this case, there is no way. If you can't find the relevant receptionist at all, you can entrust a professional financial person to look at your credit report. Personal credit information will have some technical terms. If you don't understand the concepts of these terms, you can also consult a professional by the way. In short, malicious overdue is not a good thing, you should be responsible for your personal credit. If the amount you maliciously overdue is too large, you are also at great risk of taking legal responsibility.