1, driver's license deduction has no effect on personal credit. Driver's license deduction has nothing to do with personal credit history. The information collected in personal credit records does not include the relevant information of driver's license for the time being. Personal credit records mainly involve loans, credit cards and public utility information. At present, traffic violations are not recorded in the credit report.

2. Legal basis: Article 26 of the Regulations for the Implementation of the Road Safety Law of the People's Republic of China.

If a motor vehicle driver fails to score 12 points in each scoring cycle within the six-year validity period of the motor vehicle driver's license, he shall issue a new motor vehicle driver's license with the validity period of 10 years; Within the validity period of motor vehicle driver's license 10, if each scoring cycle fails to reach 12, a long-term valid motor vehicle driver's license shall be renewed.

When renewing a motor vehicle driver's license, the traffic administrative department of the public security organ shall verify the motor vehicle driver's license.

Article 27

If the motor vehicle driver's license is lost or damaged and the driver of the motor vehicle applies for a replacement, he shall submit his identity certificate and application materials to the traffic management department of the public security organ. The traffic administrative department of the public security organ shall, after checking with the motor vehicle driver's license file, reissue it within 3 days from the date of accepting the application.

Article 28

Motor vehicle driver's motor vehicle driver's license is lost, damaged, expired or detained or temporarily detained according to law, and the score reaches 12, so he shall not drive a motor vehicle.

Second, what are the precautions for driving license deduction?

1. If the penalty score is less than 12 in a scoring cycle, just pay the fine without handling. At the beginning of the next scoring cycle, the vehicle management computer system will clear all the scores of the previous scoring cycle;

2. If the deduction reaches 12 in a scoring cycle, you must go to the issuing vehicle management office or the illegal vehicle management office to study and pass the examination, so as to eliminate the full mark record and restore the normal use of the driver's license.