Yes. If the mobile phone card is in arrears for the current month and is suspended for 1-2 months, as long as the arrears are paid in time, the credit report will not be accessed. If there is a bad credit record, personal loans, employment, transportation, etc. may be affected. According to Article 13 of the "Regulations on the Administration of the Credit Reporting Industry", "The collection of personal information shall be subject to the consent of the information subject, and shall not be collected without the consent of the subject. However, information disclosed in accordance with laws and administrative regulations is excepted." That is to say, The practice of "mobile phone arrears for more than 3 months will be included in the credit report" requires at least ensuring the consumer's right to know and obtaining the consumer's consent.