Bad personal credit records will not affect children. However, if banks and financial institutions sue, their children will not be able to attend expensive private schools, and their parents will be "Lao Lai". For some schools with strict political examination, children's qualification examination is likely to fail, which will more seriously affect joining the army, entering military schools, taking civil servants, institutions and state-owned enterprises.

I. The concept of personal credit

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Second, the credit content

credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Inquiry method of personal credit information

1, the people's bank of China.

The specific method is to fill in an inquiry application form and submit it to the local people's bank for my ID card. After careful examination and approval, I can query and print my credit records.

2. Online inquiry

For cities that have opened the online query function, you can query directly on the Internet. Online query also requires mobile phone authentication to query, and it can also be queried online on weekends.

3. Bank inquiry

If you are in a hurry to get a loan, you can also let the bank staff check your personal credit. Ordinary banks can see the personal credit situation inside, and through this situation, they can also understand personal credit faster.