The overdue record in credit information refers to the record that the borrower fails to repay the loan or credit card bill on time, which leads to the overdue account. Overdue records have an important impact on personal credit evaluation. According to the relevant regulations of our country, the elimination time of overdue credit records depends on the following factors:

1. Length of overdue time: the longer the overdue time, the longer the overdue records in the credit investigation will be removed. Usually, if the overdue time is 1 month to 3 months, the overdue record will be eliminated in a short time after repayment. If the overdue time is more than 3 months or more, the overdue record will be eliminated within the corresponding extended time after repayment.

2. Amount of arrears: The elimination time of overdue records will also be affected by the amount of arrears. If the amount owed is small, the elimination time of overdue records may be relatively short. However, if the amount owed is large, it often takes a long time to eliminate overdue records.

3. Repayment: The borrower's repayment performance after overdue will also affect the elimination time of overdue records. If the borrower can repay the loan in time, actively restore the credit and pay off the arrears, the time for eliminating overdue records may be relatively shortened.

To sum up, the elimination time of overdue credit records depends on the comprehensive consideration of many factors such as the length of overdue time, the amount owed and the repayment situation. Generally speaking, the shorter the overdue time, the smaller the amount owed, the better the repayment situation, and the shorter the time to eliminate overdue records. However, if the overdue time exceeds 3 months or the amount of arrears is large, the elimination time may be longer. The borrower should repay the loan in time, actively restore the credit, and avoid the negative impact of overdue records on personal credit evaluation.

The above is the explanation about the elimination of overdue credit records. I hope it helps you.

Extended data:

China's personal credit information system is mainly managed by the People's Bank of China, aiming at evaluating personal credit status and risks. Overdue records are an important part of the credit information system, which has an important impact on personal credit behavior such as loan application and credit card application. In the management of personal credit information, China adopts the mechanism of "credit information sharing", that is, all banks and institutions enjoy personal credit information to maintain the stability and healthy development of the financial system. Therefore, personal credit records have an important impact on personal finance and lending activities.

The above answers are for reference only, and the specific elimination time may be affected by specific circumstances and relevant policies. If you have further questions or need specific information, please consult relevant local financial institutions or professional credit reporting agencies.