When negotiating installment repayment, the issuance of income certificates should be true and accurate, and there should be no deliberate exaggeration or false reporting of income. Provide authentic and reliable proof of income, such as pay stubs, tax returns, etc., which can increase your credibility and the success rate of negotiating installments. Deliberately exaggerating or misreporting your income will not only harm your credit record, but will also have a negative impact on your personal credibility.