1. overdue due to theft or fraudulent use of personal information.

If your personal information is stolen or fraudulently used, your credit card or loans overdue will lead to a bad credit record. Then, you can modify overdue records. If you find that your information has been stolen, you should report it to the public security department in time, and fill out a statement in the bank denying the card or loan. Once what you said is proved to be true, the bank will help you correct your bad record immediately.

2. Overdue due to the fault of the bank or credit reporting agency.

For example, if the bank makes mistakes or omissions when collecting your personal information, you can raise an objection to the bank and ask for correction. After checking, the bank will determine whether it is their work mistake, and will help you modify the credit record after confirmation.

3. Special groups are overdue due to special events.

For example, war reporters, armed police, medical staff and so on. If the settlement of emergencies is overdue, you can issue relevant certificates to the bank at your workplace, and the bank will help you correct your bad records after confirmation.

Functions of credit investigation:

The first is to guard against credit risk. Credit information reduces the information asymmetry of all parties to the transaction and avoids the transaction risk brought by information asymmetry, thus playing the role of risk judgment and disclosure;

The second is to expand credit transactions. Credit investigation solves the bottleneck problem that restricts credit transaction, promotes the achievement of credit transaction, promotes the innovation of financial credit products and commercial credit products, effectively expands the scope and mode of credit transaction, and drives the expansion of credit economy scale;

The third is to improve the efficiency of economic operation. Through specialized credit information services, the cost of information collection in transactions can be reduced, the transaction time can be shortened, the transaction space can be broadened, the operating efficiency of economic entities can be improved, and economic and social development can be promoted;

The fourth is to promote the construction of social credit system. Credit information industry is an important part of social credit system construction. The development of credit information industry is helpful to curb the occurrence of bad credit behavior, protect the interests of trustworthy people, maintain a good economic and social order, and promote the continuous development and improvement of social credit system.