Description:

1. Ways for credit reporting agencies to obtain personal information: Credit reporting agencies will collect personal information from various channels, including banks, financial institutions and other credit reporting agencies.

2. Collection and submission of overdue records: In general, loans overdue will be recorded by lending institutions or banks and submitted to credit reporting agencies under certain conditions.

3. The rules of different credit agencies may be different: different credit agencies have different regulations and standards, and the collection and submission of overdue records may be different.

4. Small overdue records can also be submitted to the credit bureau: although the overdue amount is small, the lending institution has the right to submit records to the credit bureau in case of overdue behavior.

5. Impact and duration: Even if it is overdue for one day, it may have a certain impact on personal credit score. Overdue records are usually kept in the credit report for a period of time, which has a potential impact on future loan applications and credit evaluation.

Summary:

Even if it is only one day overdue and the overdue amount is within 100 yuan, you can still apply for credit. It is recommended to repay in time to avoid the negative impact on personal credit due to overdue.

Related promotional materials:

China's credit information system is mainly composed of China People's Bank Credit Information Center and local credit information institutions. Credit report is an important reference for financial institutions to evaluate personal credit and plays an important role in loans, credit cards, renting houses and other businesses. Therefore, maintaining a good credit record is very important for personal financial life.