Legal analysis: subrogation will not affect the other party's credit information. Subrogation has nothing to do with loans, it will not produce bad credit records and will not affect personal credit. Subrogation is related to tort, contractual liability and unjust enrichment. Generally speaking, subrogation is more common in auto insurance. Because it is related to insurance, this recovery record will not be uploaded to personal credit information.

Legal basis: Article 60 of People's Republic of China (PRC) Insurance Law * * * If an insured accident is caused by damage to the subject matter insured by a third party, the insurer shall subrogate the insured's right to claim compensation from the third party within the compensation amount from the date of compensation to the insured. If the insured has obtained compensation from a third party after the occurrence of the insured accident specified in the preceding paragraph, the insurer may deduct the amount of compensation that the insured has obtained from the third party when compensating the insurance money. The insurer's right to claim compensation by subrogation in accordance with the first paragraph of this article shall not affect the insured's right to claim compensation from a third party for the part that has not been compensated.