Bad personal credit information may affect the examination institutions. First of all, examination institutions usually require applicants to have a good personal credit record to show their integrity and trustworthiness. If the personal credit is not good, it may leave a bad impression on the recruiters and reduce the competitiveness of the candidates. Secondly, institutions often make a comprehensive evaluation of the applicant's comprehensive quality, including personal morality and credit history. If the personal credit is not good, it may be considered as lack of responsibility and integrity, thus affecting the chances of being admitted. Finally, some institutions may cooperate with banks and financial institutions, involving financial affairs such as loans and credit cards. If the personal credit is not good, it may make the unit worry that the applicant will have credit risk when handling these things, which will affect the applicant's employment.

To sum up, bad personal credit information may have a negative impact on the examination institutions. Therefore, when preparing to apply for positions in public institutions, we should pay attention to personal credit records, understand and solve existing credit problems in time, and improve our competitiveness.

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Personal credit information refers to personal credit records in loans, credit cards, housing loans, car loans and so on. Credit institutions are institutions that collect, save and provide personal credit information according to relevant laws and regulations, such as the Credit Information Center of China People's Bank and the Credit Information Center of commercial banks. Credit reporting agencies will generate credit reports for creditors, employers and landlords based on personal credit information. Assess personal credit status. A person's credit records usually include personal credit activities, loan records, overdue repayment records, credit inquiry records and so on.

When an individual is taking an examination of a public institution, the public institution can learn about the personal credit record by querying the personal credit report. Applicants with good credit records will increase their chances of admission, while applicants with poor credit records may lose their competitive advantage. Therefore, individuals should pay attention to maintaining personal credit information, abide by contracts, repay loans on time, and avoid bad credit behaviors such as overdue, so as to improve personal credit status and create better opportunities for future career development.