1. Generally, overdue loans will be reported within 90 days.
Detailed description:
-Credit reporting agencies usually report information to the personal credit reporting system within a certain period of time after the borrower's overdue repayment.
-According to the relevant regulations of the People's Bank of China, overdue loans will generally be reported to the credit information system within 90 days and become part of personal credit records.
-This means that if the borrower fails to repay the debt for more than 90 days, its credit history will be negatively affected.
Summary:
Generally speaking, about 90 days after the borrower fails to repay the debt, his credit record will be affected and reported to the credit information system. Therefore, it is suggested to fulfill the debt in time, avoid overdue repayment and protect personal credit.
Extended data:
-Credit information: Credit information is a means to evaluate the credit status of individuals or institutions. By collecting, sorting out and analyzing various credit-related data and information, a person's credit level is evaluated.
-Credit information system: China's personal credit information system is managed by the People's Bank of China, aiming at providing personal credit record inquiry and evaluation services, and collecting and sorting out personal credit records and repayment.
-Credit records: Credit records are records of credit behaviors of individuals or institutions in terms of borrowing, consumption, repayment, etc., including overdue repayment, arrears and other information. These records have an important impact on personal credit evaluation.