Legal analysis: Yes. Behaviors that affect personal credit information: 1, arrears of water charges, telephone charges and other related expenses, these small things will affect your personal credit information. 2. If the borrower's debt is too high. Most people already have car loans and mortgages with repayment amount exceeding 50% of the borrower's monthly income, and credit cards with repayment amount exceeding 50% of the borrower's monthly income will be included in the bad credit information system. 3. The borrower applies for personal loan default. The loan principal and interest have not been repaid or the guarantor is repaying; Paying off debts with assets in the near future and within two years will also be included in the credit record list. 4. The borrower's credit card is overdue. If the cardholder forgets to repay the loan or has been in arrears, the repayment amount exceeding 6 times in 1 year will be recorded. Credit impact: 1, which will reduce the borrower's loan amount. 2. Do not give the borrower preferential interest rate or make the loan interest rate rise. 3. If there are many bad credit records, the borrower's loan application will be directly rejected. 4. It has an impact on recruitment, job hunting, renting a house and even going abroad for visas. 5. Credit information difference will be blacklisted by the central bank, which will bring a lot of inconvenience to life.

Legal basis: "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"

Article 1 If the person subjected to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of people subjected to execution for dishonesty and impose credit punishment on him according to law: (1) refusing to perform the obligations specified in the effective legal document when he has the ability to perform; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.

Article 2 Where the person subjected to execution falls under the circumstances specified in Items 2 to 6 of Article 1 of these Provisions, the time limit for inclusion in the list of persons subjected to execution without trust shall be two years. If the person subjected to execution obstructs or resists execution by means of violence or threats, or if the circumstances are serious or he has repeatedly broken his promise, it may be extended for one to three years. If the person subjected to execution voluntarily performs the obligations specified in the effective legal documents or actively corrects the dishonesty, the people's court may rule to delete the dishonesty information in advance.