Does Couples Affect Credit Reporting? Does it affect the loan if one of the husband and wife has a p

If one of the husband and wife has bad credit, it will have an impact on the credit of the other half.

1. If one person has a problem with credit reporting, will it really affect the other half?

If one of the parties is blocked due to bad credit, then the other party is basically unlikely to apply for a loan, why? Because in the Marriage Act.

It is clearly stipulated that all the property of the husband and wife during the marriage is shared, and the wealth is shared, and the debts are naturally shared. Specifically, the husband and wife already belong to the economic community at the legal level, so the stain on either party has an impact on the other.

2. If one person has a problem with credit reporting, will it really affect the whole family?

In addition, in addition to saying that the relationship between husband and wife will affect. There is also some influence between parents and children. If one of the parents becomes a judgment defaulter, when the child applies to join the league, join the party, or take the civil service examination, it will lead to failure to pass the political examination, and on the other hand, it may also fail to pass some private schools.

Admission review. There is also a situation that even if the child acts as the guarantor of the parent's loan, once the parent fails to repay the loan in time and becomes a dishonest person, then as the guarantor, the child's subsequent loan approval will also be problematic.

3. How to repair bad records and remove stains?

It is understood that generally speaking, it should be easier to deal with 1-2 times overdue. As long as you continue to repay the loan on time and pay off the previous arrears, it will naturally refresh the coverage of bad credit, and the same is true for credit card overdue, don't rush to cancel it, so you can't remove the stain.

If the number of overdue times is too much, you also have to wait for 5 years after paying off all the arrears principal, overdue fees and penalties, and your bad credit record will naturally disappear after 5 years.

The above are all our subjective overdue caused by bad credit, it is worth noting that there are also cases of being maliciously stolen and caused by overdue, we must regularly check personal credit.

Check in the bud. Personal credit is equivalent to another of our ID cards.

It will not only affect ourselves, but also affect our families, so we must maintain good credit and be a trustworthy person.

Hope mine is helpful to you.

No, it won't. This is because if there is no overdue behavior between husband and wife, it will not affect the problem of credit investigation and bank loans.

It will affect all people, including the relatives of relevant personnel, so it will definitely affect the other party.

It will affect each other's credit information, and if there is a credit problem between husband and wife, it will also affect each other, which is also a more troublesome thing, and it will affect both people.

Of course, because husband and wife are legally considered to belong to the economic community, a problem with one party will affect the other.

1. When applying for a loan, the bank will focus on checking the borrower's credit status, and if the overdue situation is serious, it will be difficult to obtain a loan. If one of the husband and wife has a bad credit report, it will affect the loan application.

2. According to the bank's regulations, married people apply for bank loans.

If one of the spouses has a bad credit history, it will affect the loan application. In addition, if one of the spouses has three consecutive or six cumulative overdue payments within two years, the bank will reject the loan. Of course, if the borrower is not maliciously overdue, he can explain the situation to the bank and issue a certificate of non-malicious arrears, so that he can also get a loan, but the interest rate will be increased accordingly.

3. Generally, if you are married, you should check the personal credit of both husband and wife.

, can issue a single statement, or what letter of commitment.

Talk to the bank account manager of the loan and ask him to help figure it out.

4. If a married person takes out a loan to buy a house, and either of the husband and wife has a bad credit record, the bank will refuse to lend. If the borrower takes out a loan to buy a house in the name of one of the spouses, even if the lender has a good credit record, if the spouse is overdue for many times, the bank will doubt the family's repayment ability and creditworthiness, and will be more cautious when lending money.

When buying a house in the name of one of the spouses, even if the lender has a good credit record, if the spouse has repeatedly overdue the repayment, the bank will also doubt the family's repayment ability and creditworthiness, and be more cautious when lending money.

Extended information: 1. Advantages of credit reporting.

1. Save time.

A lot of the information that the bank needs to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you fill in on the loan application form. Therefore, the first benefit of credit investigation is to save you time and help you get borrowed faster and faster.

2. Borrowing convenience.

As the saying goes, "It's easy to borrow and repay, but it's not difficult to borrow again". If your credit report shows that you are a person who repays on time and performs your contract conscientiously, the bank will definitely like you, not only can provide credit services such as loans and credit cards, but may also give preferential amounts and interest rates.

3. Credit reminders.

If your credit report says that you have borrowed money and not repaid it, the bank must be cautious when considering whether to lend you a loan. It is highly likely that the bank will ask you to provide collateral, guarantees, or reduce the loan amount, or increase the interest rate on the loan.

Or refuse to give you a loan per acre. If your credit report shows that you have already borrowed a lot of money, the bank will also be cautious and may refuse to lend you again if you are too indebted to take on it. This reminds you to cherish your credit history and consciously accumulate your credit wealth.

2. The credit reporting system of the People's Bank of China.

This includes the Basic Enterprise Credit Information Database and the Basic Personal Credit Information Database.

1. The Basic Enterprise Credit Information Database began in 1997 and was launched nationwide in July 2006. By the end of 2014, the database included more than 10 million enterprises and other organizations, of which more than 6 million households with credit records personal credit information basic database construction began as early as 1999, at the end of August 2005 to complete the network operation with all commercial banks and some qualified rural credit cooperatives, in January 2006, the basic personal credit information database was officially put into operation. As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories.

2. Central bank credit system.

The main users are financial institutions, which are connected to the headquarters of commercial banks and other financial institutions through special lines, and extend the terminals to the business counters of credit officers of commercial bank branches through the intranet system of commercial banks. The information of the credit information system is mainly commercial banks and other financial institutions, and the information included includes the basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and the main financial indicators of enterprises.

In April, a new version of the personal credit report.

is online, and delinquent water bills may also affect their personal credit. On June 19, China established the world's largest credit system. On January 19, 2020, the Credit Information Center provided the second-generation credit report inquiry service to the public and financial institutions.

Legal analysis: It will not affect, the husband's bad credit report has no impact on the wife, because the bank will only check the credit history of the applicant when issuing loans, and the credit of other members of the family will not be inquired, so it will not have an impact.

Legal basis: Several Provisions of the Supreme People's Court on Restricting High Consumption and Related Consumption of Persons Subject to Enforcement

Article 1: Where the person subject to enforcement fails to perform the payment obligations set forth in the effective legal documents within the period specified in the enforcement notice, the people's courts may employ measures to restrict their high consumption and related consumption that is not necessary for life or business.

The people's courts shall employ measures to restrict spending on persons subject to enforcement who are included in the list of judgment defaulters.

Article 2: When a civil court decides to adopt measures to restrict consumption, it shall consider factors such as whether the person subject to enforcement has acted passively, evaded enforcement, or resisted enforcement, as well as the ability of the person subject to enforcement to perform.

If you are a personal housing loan handled by China Merchants Bank, you cannot apply for an extension of the deduction time. If the loan is not repaid in full and in time on the "deduction date", an overdue record will be generated, which will be recorded by the central bank in the credit information system.