According to your description, I'm sure your bad record is caused by overdue repayment. Because you may have bad records due to forgetfulness or other factors, you can ask the bank to provide you with supporting documents in this case. Delete or correct the credit record at the local central branch of the People's Bank of China with the supporting documents.

Moreover, when you modify the credit record, you must go through proper channels, and the correction should be a record that is consistent with the facts. If you see an online intermediary that can help you erase your records, don't believe that most of them are scams. Don't be deceived