Personal credit report overdue information includes recovery information, bad debt information, and overdue information, as detailed below.

1. Information to be recovered: The borrower must be overdue first before information to be recovered. The types of businesses to be recovered mainly include "asset disposal" and "advance business".

The information details will record the institution for recovery, the date of receipt of the creditor's rights, the original creditor, the type of original debt business, the amount of the creditor's rights, the repayment status when the creditor's rights were transferred, the account status, the account balance, and the latest repayment date. etc. content.

As long as there is recovery information in the personal credit report, the subject of the credit report must be overdue. The key contents are the amount of the debt, the remaining account balance, how many months it has been overdue, and the account status. Collection is still over.

2. Bad debt information: After the loan is overdue and the loan institution has failed to collect the loan for a long time, the loan account will become a bad debt, which is an account status formed by the borrower's long-term non-repayment after overdue.

Bad debt information includes the management agency of the loan account, account opening date, loan amount, business type, guarantee method, repayment period, repayment frequency, repayment method, account status, account balance, The latest repayment date, repayment details records for the past 5 years, etc.

Among these contents, the key points are that the "account status" is "bad debt", the amount of the "account balance" remaining unpaid, and the overdue time reflected in the repayment details.

3. Compared with the information on recoveries and bad debt information, the overdue time recorded in the overdue information is not very long, and it has not yet reached the point of being recovered and forming bad debts.

In addition to the basic content such as management agency, account opening date, loan amount, business type, guarantee method, repayment period, repayment method, the overdue information also includes account status, loan level five Category, current number of overdue periods, current total overdue amount, principal overdue for 31-60 days, principal overdue for 61-90 days, principal overdue for 91-180 days, principal overdue for more than 180 days.

For example, the account status is overdue, the five-level loan classification is substandard, the current overdue period is 2, and the current overdue total is 6,000 yuan. If these overdue contents are seen by other financial institutions, they will think that This person has bad credit and insufficient repayment ability.

There are now many online loan big data systems that can provide online loan record inquiries. In "Xiaoqi Credit Check", you can check important data information such as online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit, etc.

Extended information:

If I have money to spend on Baidu and pay it off overdue, can I still apply again?

If you have money to spend and the loan is overdue, even if it has been paid off, it will be difficult to borrow again for the time being.

After all, the system will report the overdue situation to the central bank's credit report, which will damage personal credit, and damaged credit is difficult to repair quickly in a short period of time.

In this way, if the system detects credit problems during loan approval, it will naturally refuse to approve the loan because the loan risk is high.

Of course, just because you can’t borrow money at the moment doesn’t mean you’ll never be able to borrow money in the future.

After paying off overdue debts in a timely manner, pay attention to maintaining your credit and accumulating good records. Later, new good records will gradually cover up the old bad records, and your personal credit will slowly improve. You can try to borrow money, and you may be able to borrow it smoothly (it is recommended to build up your credit for three to six months before looking at it).

Everyone needs to note that when approving a loan, the main thing to check is the credit status of the past two years. Overdue bad records on the credit report will generally be retained by the system for at least five years after the debt is paid off. delete.