As long as suspicious transactions are caught in the system, they should be reported to the People's Bank of China, and there is no need to manually analyze and screen out transactions that are not suspicious in essence. Overdue credit records will be automatically eliminated within 5 years after the repayment of the parties. According to relevant regulations, the longest retention period of overdue credit records is 5 years, counting from the date when the parties pay off their debts.

If the credit information on the loan cannot be repaid in time, there will be a tainted record of personal credit. After the loan to buy a house and so on. If the loan is not returned after being collected, it may be sued. Serious cases may constitute fraud. If you have a certain repayment ability, you can negotiate with the other party to make a repayment plan and repay by installments. If there is any dispute, you can entrust a lawyer to intervene.

Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.