Hello, I am honored to answer your questions! What is the impact of being transferred to the household registration file for debt arrears: The transfer of household registration files for debt arrears will generally affect the personal credit record and future borrowing ability. In terms of personal credit history, if the debt is recorded in the file, it will generally affect the individual's credit score, causing the individual to face higher interest rates, stricter approval, or even rejection in future loans and credit card applications. Apply. In addition, transfer of household registration files for debt arrears will generally affect an individual's application for specific positions such as civil servants, military personnel, and security personnel, because these positions have higher requirements for individuals' credit records. Being transferred to the household registration file for debt arrears will affect an individual's credit record and credibility. According to the "Personal Credit Information Management Measures of the People's Republic of China", personal credit information includes personal basic information, occupation, education, residence, work unit and position, etc. It also includes personal credit records and behaviors, such as illegal and criminal records, bad deeds, etc. Credit history, debt performance, etc. The household registration file for which the debt is transferred will be included in the personal credit record, lowering the personal credit rating, which will generally affect the individual's credit evaluation in banks, securities, insurance and other institutions, and generally affect personal loans, credit cards, renting, etc. Application and use.