Detailed description:

1. Banks and financial institutions usually evaluate borrowers' repayment ability and credit status through personal credit reports.

2. If there are many overdue records in your personal credit report, it will leave a bad impression on banks and financial institutions and think that your repayment ability is risky.

3. The bank will consider the borrower's overall family situation, including the spouse's credit status, when approving the loan. So your overdue record may have a negative impact on your husband's car loan application.

4. If your overdue records are large or the amount is large, the bank may think that your family's overall debt is too heavy, and then refuse or adjust the loan conditions.

I suggest that you improve your personal credit status as soon as possible, such as paying off debts in time, establishing a good repayment record and improving the credit rating of yourself and your family.

Summary:

There are five overdue records in your personal credit report, which may have a negative impact on your husband's car loan. Banks and financial institutions will take your credit status as an important reference factor in approving loans, and overdue records may leave a bad impression on them, leading to rejection or adjustment of loan conditions. Therefore, I suggest you improve your personal credit status as soon as possible to improve the credit rating of your family as a whole.

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