Legal analysis: loans overdue's failure to answer the phone will violate the loan contract and affect personal credit investigation. In loans overdue, whether the overdue repayment is short or long, it will have an impact on personal credit information. Loans overdue will be sued by the loan bank. The court will take a series of property preservation measures, and the assets under the borrower's name may be frozen. According to the relevant laws and regulations of our country, the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information in People's Republic of China (PRC), the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.