will affect.

The bad credit record of one spouse will really affect the application for a loan to buy a car. According to the provisions of Article 19 of the Marriage Law, in principle, the debts established by the husband or wife before marriage are personal debts, which are repaid within the limits of personal property; The debts established during the marriage are the same debts of the husband and wife, and the husband and wife have property to repay them.

Extended information:

According to the business model, it can be divided into two types: enterprise credit information and personal credit information:

Enterprise credit information is mainly an institution that collects enterprise credit information and produces enterprise credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.

in some countries, these two types of business are completed by one institution, while in other countries, they are completed by two or more institutions respectively, or there are both institutions engaged in individual credit investigation and institutions engaged in both individual and enterprise credit investigation business types in a country, which are generally not restricted and are decided by credit investigation institutions independently according to the actual situation. There are three main business models of credit reporting agencies in the United States:

(1) capital market credit rating agencies, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as corporate credit service companies, are targeted at all kinds of large, medium and small enterprises;

(3) The personal consumer market evaluation agency, whose credit object is individual consumers.

Baidu encyclopedia-credit investigation