1. Non-personal overdue: if there is a problem in the banking system, the loan repayment will be delayed. In this case, relevant explanatory materials can be provided to the Credit Information Center of the People's Bank of China, and the overdue bad credit records can be revoked after verification by the Credit Information Center of the People's Bank of China;
2. Overdue due to personal reasons: If you want to repair the credit information, you need to pay off the arrears first, and then calculate from the date of paying off the arrears. The bad credit records will continue to be retained for five years, and the bad credit records will be cleared after five years.
To view the personal credit report, you only need to provide a valid personal identity document. Simply put, log on to the personal credit platform of the Credit Information Center of the People's Bank of China, and you can check it after verifying your identity, without having to prepare additional materials in advance. Identity documents can be second-generation ID cards, military officers' cards, military officers' cards, foreigners' passports and visas, Hong Kong and Macao residents' passes to and from China, and Taiwan Province compatriots' passes to and from China.