Details are as follows:

1. In China's credit system, credit investigation refers to the process of collecting credit information of individuals or institutions and recording it in personal credit report or enterprise credit report. Credit reporting agencies will summarize and evaluate the credit status of individuals or enterprises to help financial institutions and other organizations make credit, credit granting and business cooperation decisions.

2. Xiaohua Wallet is an institution that provides consumer lending services. If the user fails to repay after borrowing from Xiaohua Wallet, Xiaohua Wallet has the right to submit overdue information to the credit reporting agency. Overdue credit investigation will have a negative impact on users' credit records, which may lead to difficulties for users in future loan and credit card applications.

3. The report and influence of overdue information are different due to personal credit protection and privacy regulations, so I won't repeat them here. In short, overdue may cause a serious blow to personal credit status and affect personal credit rating and credibility in financial and commercial activities.

4. It is suggested that users should abide by the repayment agreement in the loan agreement when using Xiaohua wallet or other lending platforms, and repay on time to avoid overdue. If you do encounter repayment difficulties, you need to contact the lending platform in time to find a solution to avoid overdue credit reporting.

Extended data:

1. Credit reporting agencies: The main credit reporting agencies in China are the Credit Reporting Center of China People's Bank, the Credit Reporting System of China Bank and the Credit Reporting System of Baijia Bank. These institutions are responsible for collecting, managing and providing credit information of individuals and enterprises.

2. Impact of overdue on credit: Overdue repayment will have a negative impact on personal credit records, leading to a decline in credit rating. This will have a negative impact on individuals in terms of loans, credit cards, housing rental and so on. , which may make it difficult to obtain higher loans or credit cards, and may increase the loan interest rate or lease deposit.

3. Personal credit report: A personal credit report is a report compiled by a credit reporting agency based on personal credit information, including personal identity information, loan records, overdue records, repayment records, credit rating, etc. Personal credit reports are provided by credit reporting agencies to legal users such as financial institutions for evaluating personal credit status.

4. Personal privacy protection: China has relevant laws and regulations to protect the privacy of personal credit information. Credit reporting agencies need to abide by relevant laws and regulations when collecting, processing and using personal credit information to protect personal privacy rights and interests.

To sum up, Xiaohua Wallet will receive a credit report after the deadline. Overdue repayment may have a negative impact on personal credit records, affecting personal credit rating and the credibility of loan and credit card applications. Therefore, users are advised to repay on time. In case of repayment difficulties, you should contact the lending platform in time to seek solutions to avoid overdue credit reporting. The protection of personal credit and privacy also needs attention.