Bad credit records refer to the negative information displayed in personal credit reports that will affect personal credit scores, such as loans overdue, credit card arrears, bad public records, etc. Bad credit records will have a negative impact on an individual's credit rating, and then affect his ability to obtain financial services such as loans and credit cards.
In order to avoid bad credit records, individuals should pay attention to their repayment behavior, avoid overdue and arrears, and pay attention to protecting their personal information and credit reports.