However, if your bad credit record is not much, and you have overdue repayment in time, it should not affect the borrower of your housing provident fund loan to apply for housing provident fund loan. The Provident Fund Center will check the credit status of borrowers and their other half through the personal credit basic database of the People's Bank of China. The main contents of personal credit check are: first, bank credit records. Check the application and repayment records of personal loans in commercial banks and credit card overdraft records. The second is the social reputation record. View personal litigation records and institutional punishment records related to personal credit. The third is the record of housing provident fund. Check the record of housing provident fund extraction, whether there is illegal extraction and viewing of housing provident fund loan records by means of false information, malicious litigation, whether there is fraudulent use of false information for loans, unlimited use, overdue repayment, etc. The fourth is special records. Check the application and use of credit cards, such as using fictitious, false or fraudulent information of others to apply for credit cards from commercial banks, using fictitious or illegally obtained credit cards for fraud, etc. Those with obvious bad credit records will not accept their applications for housing provident fund loans.