You can apply for a business license because you won't check your personal credit report during the application process. There are two procedures for self-employed individuals to apply for business licenses: 1. If a license is not required, it is necessary to submit the photo, ID card and photocopy of the operator and proof materials of the business place to the industrial and commercial office under its jurisdiction; 2. If licenses are involved, such as food and catering, first check the names at the industrial and commercial office, then handle the corresponding licenses at the Food and Drug Administration, and finally bring all materials to the industrial and commercial office for licenses.

Scope of influence of credit investigation:

1. Loan approval: Poor credit information may cause banks or financial institutions to reject loan applications;

2. Credit card application: it affects the approval and quota setting of credit cards;

3. Employment opportunities: Some units will check the credit records of candidates as a reference for recruitment;

4. Rent: The landlord may ask to check the tenant's credit report and evaluate the credit status;

5. Visa application: Visa applications in some countries may require credit reports as audit materials.

To sum up, despite the poor personal credit status, you can still apply for a business license, because this process does not involve the inquiry of credit reports; The specific procedures are divided into simple submission of basic materials or additional acquisition of relevant licenses according to whether licenses are needed, and then the license application is completed in the industrial and commercial department to provide convenience for individual operators.

Legal basis:

Regulations on individual industrial and commercial households

Article 8

Those who apply for registration as individual industrial and commercial households shall apply to the registration authority where the business premises are located. The applicant shall submit an application for registration, identity certificate and proof of business premises.

The registered items of individual industrial and commercial households include the name and domicile, composition, business scope and business premises of the operators. Individual industrial and commercial households use the name, with the name as a registered item.