The bank will check your personal credit to see if there is any bad record before lending money. That is, check whether there is overdue repayment or non-repayment behavior. Generally, a bad record will affect the loan.

Eliminating bad credit records is very troublesome. According to your situation, there are three ways:

1. Bad credit records can be eliminated, provided that the bank has not received a written reminder and has not paid off the arrears, and there is no bad credit record in the next 6 months.

2. If you have good reason to believe that this bad record is not caused by you (lender or consumer), you can go to the bank to ask the staff to issue a certificate for you, and then go to the People's Bank to erase the previous record.

3, find the acquaintances of the bank to eliminate, the general bank can try the situation for customers with less overdue times. Or find the sales office to explain the situation and let them coordinate. In addition, developers must maintain good relations with banks to see if they can coordinate well.