征信为什么会花？

征信是指由中国人民银行征信中心对个人、企业、事业单位等组织进行信用信息采集、加工、保存、运用等活动，形成的信用报告。但是，有时候征信会变得“花”，这是为什么呢？

Firstly, one of the main reasons for a “bad credit report” is over-borrowing. If a person takes out too many loans or credit cards, their credit report may suffer, as they will have a higher debt-to-income ratio and higher risks.英文翻译：

Secondly, missed payments or defaults can also damage a person’s credit report. If a person is late on repaying loans or credit card debts, or defaults on their payments completely, these will show up on their credit report and lower their credit score.英文翻译：

Thirdly, having too many accounts opened will also “spoil” a person’s credit report. If a person opens too many bank accounts, credit card accounts, or other types of credit accounts, these will show up on their credit report and make it more difficult for them to get credit in the future.英文翻译：

Finally, there are also cases of fraud and identity theft that can lead to a person’s credit report being “ruined”. If a person’s personal information is stolen by criminals and used to open fraudulent accounts or obtain credit, these will show up on their credit report and cause serious damage to their credit score.英文翻译：

In conclusion, a “bad credit report” is often caused by over-borrowing, missed payments or defaults, having too many accounts opened, or cases of fraud or identity theft. To maintain a good credit report, it is important to borrow responsibly, repay debts timely, limit the number of accounts opened, and be vigilant in protecting personal information.英文翻译：
总的来说，征信花的原因主要有过度借贷、逾期还款或违约、开立过多账户以及欺诈或身份盗窃等。要保持良好的信用报告，必须负责任地借贷，及时偿还债务，限制开立账户的数量，并警惕保护个人信息。