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There are records of administrative violations in the credit investigation.
The inquiry methods of administrative illegal records of credit investigation are as follows:

1. Inquiry by state organs: When a state organ inquires about criminal information from the criminal information registration organ based on the need of handling a case, the relevant authorities should cooperate with it, but of course, relevant procedures should still be handled;

2. Lawyers' right to inquire about criminal records. In order to perform the defense duties according to law, the defense lawyer shall be allowed to inquire about the criminal records of the criminal suspects and defendants in this case;

3. Ordinary citizens' inquiry authority Ordinary citizens are not allowed to inquire about other people's criminal record information at will. If it is really necessary to inquire about other people's criminal information, it shall provide corresponding written materials (mainly for the purpose of inquiry) according to the requirements of the information management organ, and can inquire about relevant criminal records after examination and approval.

The influence of administrative illegal records on credit investigation;

1, affecting loans. If there is a bad credit record, it will affect bank loans, especially personal loans, and affect credit card approval;

2. Affect travel. If there is a bad credit record, overdue repayment will be included in the credit information system, and personal travel will also be affected;

3. Affect employment. Many large companies will conduct background checks on clients before they join the company. If you find that you have a bad credit record, you will definitely not be able to join the job.

4. Affect the family. Bad credit records not only have an impact on themselves, but also have a certain impact on families.

Legal basis:

Article 15 of the Regulations on the Administration of Credit Information Industry

Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.