Legal analysis: The stage of being sued will not have an impact on personal credit. However, if the following legal conditions exist after the civil judgment comes into effect, they will be included in the list of dishonest persons subject to execution, which will affect personal credit reporting. The main factors that may affect personal credit risk scores include: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and repayment amount, or there are too many loan accounts and credit cards, etc.

Legal basis: "Several Provisions of the Supreme People's Court on the Publication of Information on the List of Dishonest Persons Subject to Execution" Article 1 If the person subject to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall The court should include them in the list of dishonest persons subject to execution and impose credit penalties on them in accordance with the law: (1) Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents; (2) Obstruction and resistance to execution by forging evidence, violence, threats, etc. (3) Using false litigation, false arbitration, or concealing or transferring property to avoid enforcement; (4) Violating the property reporting system; (5) Violating consumption restriction orders; (6) Refusing to perform enforcement without justifiable reasons settlement agreement.