People who have been in prison will not be shown in the credit report, nor will it affect the handling of personal credit information business. Because in the credit records inquired by the bank, only bad records, overdue repayment, malicious breach of contract and other behaviors will be recorded to judge whether the user can handle the loan business. It will not show whether the user has been in prison or detained. However, when applying for a bank loan, you need to provide your personal ID card. The bank will scan your ID card and check your personal information. If you've been in prison, it will show. But this has nothing to do with the loan business, so it will not affect your business.

When banks handle credit business, users need to show their identity documents, and at the same time, they need to provide personal income certificates and personal credit information. After examination by the bank, if the bank determines that the applicant has repayment ability and economic strength, the user's loan application will be approved.

If there are bad records in the user's credit report, the application will be rejected. Bad records include: credit cards are overdue for many times, and credit cards are overdue for more than six times in a row, which is regarded as bad records; Failing to perform the responsibility of providing guarantee for others; Users' economic disputes and other behaviors will affect personal loan business.

Credit investigation is aimed at the bad records caused by overdue or malicious breach of contract by users. Whether the user is in prison or not. When scanning the ID card, the user may be refused a loan unless it is seriously illegal.

When applying for loan business, if the user is married, in addition to providing their own credit report, they also need to provide their spouse's credit report. Only when their credit status is good can they pass the bank's audit. At the same time, it is necessary to provide personal income certificate and personal assets certificate to the bank for review.

Credit information is our own "economic identity card", which is a record of information about borrowing money, fulfilling contracts and abiding by the law. The source of general credit information is lending institutions, such as banks. Institutions, government departments and so on. At present, the country is building an all-round "credit network" without dead ends, connecting the society and enjoying information, whether it is a credit report or a personal credit record, it is an important link. Protect your credit. Credit is the greatest asset and wealth for everyone.