If the account number is black, you can't register the company. If it is a credit black account, you can register a company, but you can't be a legal representative.

The main impacts of credit black households are as follows:

1. High penalty interest: The most direct impact of becoming a credit black account is to pay high penalty interest and late fees. The current default interest rate of bank loans can fluctuate by 30% to 50% on the basis of the loan interest rate agreed in the loan contract. After the interest is rolled up, the financial pressure will be even greater.

2. Loan: It is hopeless to apply for a credit card. Because it is a black account for credit information, it is basically hopeless to apply for new loans and credit cards. In severe cases, the bank may refuse to provide the service of opening a new debit card.

3. Affect travel: In recent years, the state has paid more and more attention to personal credit records. It is reported that in the future, black households with credit information may not be able to buy high-speed rail tickets and plane tickets, and children's attendance at private schools will also be affected.

What will enter the credit blacklist:

1, blacklist or bad record usually refers to the bad evaluation of personal credit by banks, which directly affects personal loans to banks and other businesses. Personal repayment in the last 24 months will also be included in the credit report. Once an individual fails to repay the loan on time, the range of overdue days will be displayed on the credit report, "1" means overdue 1-30 days, "2" means overdue 3 1-60 days, and so on. The institution calling the personal credit report can easily judge the personal credit status and how many negative records there are.

2. The general limitation of overdue loan requirements is that it cannot exceed two times in the last three months, three times in the last six months and four times a year. If the number of consecutive overdue days exceeds 90 days, entry is prohibited, and it is basically impossible to obtain a loan. If any deviation is found in the record, you can directly raise an objection to the credit management department of the central bank, and you can get a written reply within 15 days.

3. In addition, many people think that personal credit report is a "blacklist" and that credit report is to record their own bad aspects. In fact, the personal credit record contains not only the overdue information of individuals, but also the information that individuals repay credit cards and loans on time and have good credit in a certain period of time. For people with good credit, personal credit report is beneficial to their loan application and other aspects, which can increase their personal reputation. In fact, the central bank's credit information center does not evaluate personal credit, and there is no "good" or "bad" credit. The central bank's credit information center does "record" rather than "judge". At present, bad records are only judgments made by banks to prevent credit risks, and the evaluation criteria of personal credit are different for commercial banks.

To sum up, if a natural person is blacklisted, he can't register a company, he can't be a person, he can't be a shareholder and he can only be a supervisor. You need to cancel the blacklist before you can register the company. It is suggested to deal with the blacklist problem as soon as possible. If a natural person is blacklisted for a long time, it will affect his usual life and travel, and he cannot register a company. If he had a company before, it would also affect the operation of the previous company.

Legal basis:

Article 12 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Registration of Market Subjects

Under any of the following circumstances, the company shall not be the legal representative of a company or an unincorporated enterprise as a legal person:

(1) Having no or limited capacity for civil conduct;

(2) Being sentenced to punishment for corruption, bribery, embezzlement of property, misappropriation of property or disrupting the order of the socialist market economy, and the execution period is less than five years, or being deprived of political rights for committing a crime, and the execution period is less than five years;

(3) If the legal representative, directors, factory directors and managers of a company or an unincorporated enterprise as a legal person are personally liable for bankruptcy, it has not been more than 3 years since the date of bankruptcy liquidation;

(4) Being the legal representative of a company or an unincorporated enterprise as a legal person whose business license has been revoked and ordered to close due to violation of law, and being personally liable, and less than 3 years have passed since the business license was revoked;

(five) a large amount of debt owed by an individual has not been paid off due;

(6) Other circumstances stipulated by laws and administrative regulations.