Whether children's schooling will be affected by credit information is as follows:

1, if the circumstances are minor, such as when the parents' credit information is slightly overdue, it will generally not affect their children's schooling;

2. If the circumstances are serious, for example, the personal credit information is not good enough, and it is included in the list of untrustworthy people and listed on the court announcement list, in this case, the children's schooling will be affected, and the children cannot go abroad to study, nor can they go to private schools that charge high fees.

Customers of credit investigation:

1. Credit information is mainly served by financial institutions to support credit decision-making;

2. The main service object of commercial credit investigation is wholesalers or retailers, which provides support for credit sales decision-making;

3. The main service object of employment credit information is the employer, which provides support for the employment decision of the employer;

4. There are other credit investigation activities, such as market research, creditor's rights processing, movable property and real estate evaluation. Credit information services for different customers are completed by one institution or in independent enterprises around the upstream and downstream of credit information institutions, and are equipped with databases.

Does credit reporting affect children's schooling?

Poor credit information will generally not affect your child's schooling, but if your child is in college, your credit information will seriously affect your child's schooling, and some of your personal consumption and behavior will be restricted. If your child is currently attending a 9-year compulsory education school, or an ordinary high school, or a national ordinary university, and the school refuses to let your child go to school, then you can complain to the local education department. As long as there is no problem with the children, there is no problem with the admission procedures.

First, the consequences of bad credit reports

1. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, depending on different bank regulations;

2, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure for yourself and your family, affecting the normal life of individuals and families;

3. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

4. It has an impact on personal credit records, and bad credit records become obstacles to future loans such as mortgages and car loans and credit card processing;

5. If the loan has not been sued to the court, and the court still refuses to repay the loan after the execution of the judgment, you can report it to the Supreme People's Court and enter the "list of people who have been executed because of dishonesty", which is also commonly known as the "Lao Lai list", and it will be forbidden to travel by high-speed rail.

Second, the impact of bad credit reports.

1. loan: leaving a record of non-performing loans on the credit information will directly affect everyone's future mortgage and car loan. Many friends were in loans overdue before, and it was difficult to pass the mortgage review, which delayed buying a house.

2. Job hunting: Now many employers also have requirements for the integrity of employees, and they will check their credit records when recruiting people. If you have more bad loan records, then a good job may pass you by.

3. Business perception: Generally speaking, every enterprise wants to have reliable partners. If everyone's personal credit is poor, they will inevitably lose the trust of others in business negotiations.

4. Government concessions: At present, some people with bad credit do not enjoy many government concessions. In addition, the enterprises under its name may not be able to participate in some government bidding activities.

Will there be problems with credit reporting affect children's schooling?

Problems with credit information will affect children's schooling, especially parents who are included in the list of dishonesty, will affect their children's attendance at private schools with high fees, and may also affect their future job hunting. In addition to affecting children, it will also affect their daily travel and consumption. Therefore, we must maintain good repayment habits, and it is best not to be overdue, so as not to bring bad influence to ourselves and our families.

Article 38 of the Regulations on the Administration of Credit Information Industry

Credit institutions and financial credit information basic database operators who violate the provisions of this Ordinance and commit any of the following acts shall be ordered by the credit supervision and administration department of the State Council or its dispatched office to make corrections within a time limit and impose a fine of 50,000 yuan or more and 500,000 yuan or less on the unit; Impose a fine of 654.38 million yuan to 654.38 million yuan on the directly responsible person in charge and other directly responsible personnel; If there are illegal gains, the illegal gains shall be confiscated. If losses are caused to the information subject, it shall bear civil liability according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law:

(1) Stealing or otherwise illegally obtaining information;

(2) Collecting prohibited personal information or collecting personal information without consent;

(3) illegally providing or selling information;

(4) leaking information due to negligence;

(5) Failing to delete personal bad information within the time limit;

(six) failing to check and deal with the objection information in accordance with the provisions;

(seven) refusing or obstructing the inspection and investigation by the supervision and administration department of the State Council credit information industry or its dispatched offices or failing to provide relevant documents and materials truthfully;

(eight) other acts that violate the rules of credit reporting business and infringe upon the legitimate rights and interests of information subjects.