If it is overdue before, it will have a certain impact. Handling will be affected by credit information, and whether it passes or not will be subject to the results of system audit. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted. When you start a new business, the relevant departments will generally give priority to the recent consumption and repayment records.