There is something wrong with the credit information of one spouse, which will affect the other spouse in some cases. If the husband and wife apply for a car loan or mortgage on a family basis, the bank will check the credit records of both husband and wife at this time. If there is a problem with one party's credit information, it will definitely affect the other party. However, if it is a personal loan, the loan funds are not used for family life, and banks generally do not check each other's credit records at this time.
legal ground
Article 15 An information provider shall inform the information subject himself in advance when providing personal bad information to a credit reporting agency. However, bad information disclosed in accordance with laws and administrative regulations is excluded.