First of all, it is better for two people to have personal credit information. The number of loan and credit card inquiries within one year cannot exceed 12. A family member with a household registration book cannot have a loan that is still being repaid by a rural credit cooperative. Rural credit cooperatives cannot have untrustworthy immediate family members. If they have no assets in their names, their debts cannot exceed 200,000. If the above problems occur, you can't borrow money from the rural credit cooperatives.