However, if the reason for the overdue is not the borrower, but the bank fails to deduct the money on time, then in this case, the borrower can contact the bank to discuss the handling method, and then ask the bank not to report the overdue situation manually.
Of course, if the deduction is unsuccessful because of the borrower's abnormal repayment account or insufficient funds, then the borrower can't negotiate with the bank about this overdue situation, which will inevitably be reported to the credit reporting agency and will also affect personal credit reporting. After that, the borrower should pay attention to maintain good credit and repay in time to avoid overdue again.
I overdue and credit information center
Before we know whether we can get a loan, let's first understand some problems between overdue and credit reporting. Generally speaking, as long as it exceeds the repayment period of loan companies, banks and other platforms, even if it exceeds one day, it will be counted as overdue. After personal arrears are overdue, interest and credit problems will occur. People with serious circumstances will be prosecuted, bear relevant legal responsibilities, and may even go to jail. For the credit information center, as long as the loan platform applied by users is included in the credit information system, even if it is overdue for one day, it will be included in the personal credit information report. In addition, the credit report will not record the reasons for your overdue, but only the fact that you are overdue. Therefore, there will be no remarks such as "malicious overdue, non-malicious overdue" in the personal credit report. When the bank examines your credit report, it will only look at whether you are overdue and the specific number of times.
2. Can I apply for a loan?
Many people may think that banks will refuse applicants' loans as long as they see overdue records in their personal credit reports. Actually, it's not. Lending institutions such as banks have certain tolerance for the overdue situation of applicants. Even if applicants have overdue records in their credit information, they can get loans, but it depends on the specific situation. Because overdue can be divided into several types, everyone's reasons and overdue situation are different. It can be divided into less overdue, more overdue, short overdue and bad debts within two years. Bad debt is a part of bad debt, mainly because the borrower does not pay back the money within a certain period of time, which makes the funds idle, leading to the loss of funds on the loan platform, which is more serious than the general overdue situation. If there is a bad debt record in the credit report, then basically you can't apply for a loan. Personal credit information is the main basis for measuring the applicant's credit. When reading personal credit information reports, banks generally only look at the applicant's situation in the last two years. In the past two years, the frequency of your credit card and loans overdue has decreased. Under the tolerance of the bank for three times in a row, the bank will give corresponding loans. However, the amount of the loan is much less, and the bank will ask the applicant to fill in relevant information in detail, such as bank running water, real estate license, salary income, home address and so on. However, if the applicant is overdue, he should first pay off the arrears and overdue interest, keep a good repayment record, and then apply for a loan or a credit card from the bank.