Legal analysis: Credit investigation refers to the document issued by the People's Bank of China specifically for the bad records generated during the use of credit cards. It won't show whether you have been in prison or detained. But you go to the bank to apply for a loan, and the bank scans your ID card, so that all serious illegal records will be displayed, but it has no effect on the loan application. Unless some banks will make much ado about nothing (for example, if you want to borrow money to buy a house, some banks will remind developers to avoid generating bad funds), but this is rare.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed in Disbelief"

Article 1 If the person subjected to execution fails to perform the obligations specified in the effective legal document, 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 if 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 3 If the person subjected to execution is a natural person, he shall not engage in the following high-consumption and unnecessary consumption behaviors after taking measures to restrict consumption:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains. If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.