Driving license points will not affect your credit score. The behaviors that will affect your credit score include the following: 1. Overdue credit cards

Three consecutive credit cards (or a total of six times within two years) Late repayment, or overdraft consumption will form a bad credit record; 2. Providing guarantees for third parties may also form a bad record. Don’t think that only overdue loans will cause a bad record on your credit report. In fact, , if you are a guarantor for someone else's loan, it may also appear on your report if the borrower fails to repay on time. 3. Water bills, electricity bills, gas bills, telephone bills, owe small amounts of money or have big troubles. It is worth noting that water, electricity and gas companies in some cities have begun to provide personal credit reporting systems with information on local residents’ payment, including normal payments and arrears. fee situation.

Legal Basis

Article 17 of the "Regulations on the Administration of Credit Reporting Industry" Information subjects may inquire about their own information from credit reporting agencies. Personal information subjects have the right to obtain their credit reports for free twice a year.

Article 16 of the Regulations of the People's Republic of China on the Administration of the Credit Industry If it is 5 years old, it should be deleted. During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.