If the circumstances are minor, such as when the parents' credit information is slightly overdue, it will generally not affect the children's schooling. If the circumstances are serious, such as personal credit information is not good enough, it is included in the list of untrustworthy people and the list of court announcements. In this case, children's schooling will be affected, and children cannot go abroad to study, nor can they go to private schools that charge high fees.
For individuals, poor personal credit information can not normally participate in bank-related activities, such as not being able to make any form of loans and not being able to handle and use credit cards. For families, it may affect children's schooling, and spouses can't get loans normally. It is stipulated that bad credit information will be eliminated after five years when the loan is paid off.
Nowadays, credit reporting is closely related to people's lives. If the credit record is poor, you may be restricted from flying or moving trains, and your promotion and hotel stay will also be restricted. And if you do some high-consumption shopping, it will also be affected by credit reporting.
Maintenance method of credit information
First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.
If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.
Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. At this time, it is necessary to continue to maintain the long-term benign use of the card in order to prepare for the return of personal credit records to "innocence" through good credit transactions in the future.