1. Under normal circumstances, loans overdue information will be reported to the credit bureau within 30 days after the deadline, which will immediately affect personal credit records.

2. After you pay off all overdue amounts and reach a settlement agreement with creditors, it usually takes about 30 days for the credit reporting agency to update your credit report in time and mark the overdue as resolved.

3. Credit records will be kept for a long time, usually five years, so overdue records will be displayed in the credit report for a long time.

4. In order to improve the credit, it is suggested to repay the arrears in time to ensure timely repayment in the future. Good repayment behavior can gradually improve the credit score.

Summary: loans overdue information may be reported to the Credit Bureau immediately, but it takes time to restore credit, usually about 30 days. Good repayment behavior is the key to gradually improve the credit score.

Extended data:

Loans overdue has a lasting impact on personal credit records, which may lead to an increase in loan interest rates or make it difficult to obtain new credit products. It is suggested to abide by the loan contract, repay the loan in time and maintain a good credit record. In China, credit reporting institutions mainly include the Credit Reporting Center of the People's Bank of China, hundreds of banks and other private credit reporting institutions.