After you register for credit investigation, you are a faithless person. Children of faithless people can still take the college entrance examination normally and will not be affected. But now some universities will not accept the children of faithless people, so you should repay the bank loan in time.
There is a problem with parents' credit information, which has no effect on children's college entrance examination. It's just that if you become an executor of bad faith, your children will not be able to attend some expensive private schools (so-called "aristocratic schools"), and the normal college entrance examination will not be affected unless you choose to apply for a special major. Restricting untrustworthy people and being credited are two different things. Don't worry too much.
Generally, it has an impact on children's college entrance examination results. Loans overdue, you need to repay the loan in time. Whether to find a job or go to college in the future depends on three generations of parents, whether they are overdue or not. Some words are basically hopeless in college.
No. However, the bad records of credit information are kept for 5 years and will be automatically eliminated after the expiration. It is suggested that if you can continue to use the credit card, you can overwrite the previous record within 2 years. Now, as long as regular online lending institutions are linked to credit reporting, we should also be careful not to overdue, otherwise our online lending big data will be tainted and affect personal credit reporting. I suggest you try to make a credit inquiry on WeChat "Deep Data Search" to find out whether you have overdue records. If yes, contact the institution quickly, take the initiative to repay the loan, and eliminate the overdue negative records.
It is still ineffective to check personal online loan big data now. Choose a formal, low-cost and comprehensive data platform. However, at present, most online loan databases have some shortcomings, such as incomplete information, high price and short display time. You can search through mobile phone Baidu: Cha Xinlong. This database is the query portal of people's credit information database, and the query data is very accurate and comprehensive. You can view the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonesty information and other data. Among them, users can judge whether they are blacklisted users of online loans through the score of online loan black index. The online black index score represents the user's online credit score. The lower the score, the better the credit. Hit risk early warning can help users better find their own qualification problems and improve the pass rate of risk control audit of online lending platforms.
Does credit information affect children's going to college?
Under normal circumstances, if parents have bad credit records, it will not affect their children's college entrance examination. The education department will not restrict their children from taking the college entrance examination because of their parents' credit problems, and ordinary universities will not conduct political review when enrolling students. Even so, there will be these consequences!
After a bad credit record, it is impossible to apply for loans from microfinance companies, banks and other financial institutions, and it is impossible to apply for credit cards, which affects personal travel. These will be affected to some extent, so remember to keep your credit information good.
1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money? Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company. It will be two weeks or more before the bank tells you whether to lend you money. It's really that the bank is tired and you are bored. Borrowing money is really troublesome.
2. The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you, and then provide it to banks for use. This kind of activity that banks enjoy credit investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reporting, when you borrow from the bank again, the bank loan officer can check your credit reporting with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank will provide you with loans. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks.
What is the impact of poor credit reporting?
1. If the credit is bad, you can't continue to borrow money, including bank credit cards (debit cards).
2. If the debtor is included in the list of dishonesty by the court, the debtor can't take trains, planes and other means of transportation, and can't go abroad, which affects personal travel.
3. It will have a certain impact on personal employment. Many companies, especially financial companies, investigate employees' personal credit information before applying for employees.
4. The debtor's credit is not good, and both husband and wife, including children, can't apply for loans.
5. If the circumstances are serious, the lender who is sued by the bank owes more than 50,000 yuan to bear criminal responsibility.
Will black households with credit information affect their children's going to college?
Usually not, but it has a certain influence in life.
A black household refers to a person who is included in the list of untrustworthy in the credit record. Black households generally do not bring trouble to their families, but only limit their high consumption and prevent their children from attending aristocratic schools. However, if there is something wrong with a person's credit information, both husband and wife will definitely have an impact, and other immediate or collateral relatives will not have an impact. According to the provisions of the Marriage Law, the property acquired during the marriage relationship belongs to the husband and wife, and accordingly, the debts incurred are also shared by the husband and wife. In other words, both husband and wife belong to an "economic entity" at the legal level. Commercial banks will definitely consider the credit status of their spouses when granting loans.
Specifically, it may have some effects, you see:
1. Affect spouse. When applying for a loan, it often happens that a married couple will be rejected if one of them has a bad credit report and the other wants to apply for a loan. Why? Because the credit information between husband and wife will affect each other. When a bank issues a loan, it will consider the credit status of the spouse. Husband and wife are "economic * * *". If one of the husband and wife leaves a credit stain, neither of them can borrow money to buy a house.
2. Affect children and other immediate family members. I heard a news before that my father was an old lai, who disappeared for 8 years in order to escape more than 10 thousand debts. As a result, my son was blocked from taking the civil service examination, because he found that his father was included in the "blacklist" of credit information, and the political examination may not pass. In fact, generally speaking, even immediate family members are independent legal subjects and economic subjects, and credit information does not affect each other. However, if parents become the executors of dishonesty, their children's schooling and employment will most likely be hindered.
3. Affect the normal life of the whole family. If you are blacklisted, it is likely that the court will enforce the order to limit high consumption, so that you can not only borrow money to buy a house, but also decorate the house, and even travel abroad, vacation, and spend a lot of money to buy soy milk for your family are restricted. Seriously affected the normal life of the family.
Legal basis: Article 3 of the Regulations of the Supreme People's Court on Restricting the High Consumption of the Executed Person stipulates that if the executed person is a natural person, after being restricted from high consumption, he shall not commit the following acts of paying expenses with his property:
(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;
(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;
(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;
(four) leasing high-grade office buildings, hotels, apartments and other places to work;
(5) Purchasing non-essential vehicles;
(6) tourism and vacation;
(seven) children attending private schools with high fees;
(8) Paying high premiums to purchase insurance wealth management products;
(nine) other high consumption behaviors that are not necessary for life and work.
If the person subjected to execution is a unit, it is forbidden for the person subjected to execution, his legal representative, the principal responsible person and the person directly responsible for affecting the performance of debts to carry out the acts specified in the first paragraph of this article with the unit property after being restricted from high consumption.