Personal lawsuits will affect personal credit reports. 1, the information source of personal credit report. The data sources of personal credit reports mainly include the following four channels:
Lending institutions (banks, credit cooperatives, small loan companies, online lending institutions, etc.) record the performance of individual citizens' loan repayment. Public utilities are suitable for water supply, power supply, gas supply, heat supply, telecommunications, etc.
The court, which records the information of individual citizens involved in litigation, including the records of court decisions;
Government departments, tax authorities, housing provident fund management departments, record tax arrears records, housing provident fund deposit.
The sued information in the personal credit report
Under normal circumstances, when individual citizens fail to reach an agreement on economic contract disputes and rights and obligations, they will sue to the local court as the final solution. After the judgment, the court will issue a judgment to the original and defendant, and some places will upload it to the personal credit information system, and some places will not upload it online, but most of them will be recorded and made public on websites such as China Judgment Document Network, National Enterprise Credit Information Publicity System (or Enterprise Search, Kaixinbao, etc.). Bank loan examiners will check these websites during the loan investigation stage. In other words, if a person is sued, whether it is recorded in the personal credit information system or not, the bank will easily know that the possibility of applying for a loan at this time is very small.
Legal basis:
"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 fulfill the obligations specified in the effective legal documents 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:
(a) having the ability to perform and refusing to perform the obligations specified in the effective legal documents;
(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 If the person subjected to execution has 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 there are many acts of dishonesty, it may be extended for one to three years.
The people's court may decide to delete the information of dishonesty in advance if the person subjected to the execution of dishonesty actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty.
Article 3 Under any of the following circumstances, the people's court shall not include the person subjected to execution in the list of persons subjected to dishonesty according to the provisions of Item 1 of Article 1 of these Provisions:
(1) Providing sufficient and effective guarantee;
(two) the property that has been sealed up, detained or frozen is enough to pay off the debts determined by the effective legal documents;
(three) the person subjected to execution should not be enforced according to law;
(four) other circumstances that do not belong to the ability to perform and refuse to perform the obligations specified in the effective legal documents.
Derivative problem:
How to query personal credit report on the Internet?
1, 360 Search China Bank Credit Information Center, and click to enter official website.
2. Find a personal credit information service platform in official website, and click Enter.
3. Find the Start button immediately and click to enter the login page. Enter the account password and click Login. If you are a new user, please register first and then use the website to inquire.
4. After logging in, please apply in the credit application information on the left, and log in to the system to check the credit information the next day. Credit information that can be selected includes: credit information prompt, information summary and information report.
5. Select Personal Information Prompt to get the basic information of personal credit information prompt. It can be seen that there are no overdue and loan records, and there is no overdraft record.
6. Select personal information summary to get feedback results.
7. You can get all your credit information by selecting a personal credit report. Including the bank card, credit card, limit range and the used limit.