Sorry, you can't overwrite the previous bad record now. Bad records can only be deleted automatically after 5 years from the date of paying off the arrears.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending.