Legal analysis: it has an impact on children and spouses. The spouse's credit record causes the other spouse to be refused bank loans from time to time. Bad credit records not only affect spouses, but also children.

Legal basis: Regulations on the Administration of Credit Information Industry

Article 1 These Regulations are formulated for the purpose of regulating credit investigation activities, protecting the legitimate rights and interests of parties, guiding and promoting the healthy development of credit investigation industry and promoting the construction of social credit system.

Article 3 Anyone who engages in credit investigation business and related activities shall abide by laws and regulations, be honest and trustworthy, and shall not endanger state secrets or infringe on business secrets and personal privacy.