Credit information is a record of personal or enterprise credit information. When handling loans, credit cards and other businesses, we should know the credit situation by querying the credit information. In other words, credit investigation affects the handling of personal or corporate credit-related business. If there are bad records such as overdue, cashing out, and excessive debts. , the possible effects are: 1, affecting credit. 2. Affect your family. 3. Affect travel. 4. Affect employment.