The degree of loans overdue is different, and the treatment measures to be taken are also different. Specifically, you can see the following related situations:

Solution 1: Negligence and short-term overdue

Take the initiative to contact the bank after making up the arrears; Not all overdue records will be immediately displayed in the personal credit report. Some banks will have a few days, and some banks will report overdue records to the central bank's credit center next month. So as soon as they found the overdue records, they contacted the bank and tried to solve the problem before reporting the case. Remember, after paying off the debt, it is best to confirm whether your personal credit is affected by the comprehensive reputation data. If there is a negative impact, we must take timely measures to deal with it.

Solution 2: Malicious overdue for more than 90 days.

First of all, pay off the arrears and maintain good credit habits: if you are credited, you need to repay the penalty interest. Credit card users should not cancel their cards immediately and continue to maintain good consumption habits. After five years, bad records will be automatically eliminated, and except for mortgages, most loans only refer to credit records within two years.

Solution 3: overdue due to unemployment, serious illness, going abroad and other reasons.

Take the initiative to contact the bank, explain your actual situation and issue a "non-malicious overdue certificate". When the loan is needed again, the relevant lending institutions will consider it as appropriate.

Solution 4: Overdue due to "fake loan"

Contact the bank to explain the situation, and then go to the local China People's Bank Credit Information Center to submit an objection application. Generally, such bad overdue records can be eliminated within 15 working days.