Method:
1. Repay in time to form a new good record: maintain a good repayment habit from then on, so that bad records can be covered by good records, thus forming a new good credit record.
2. Objection of the Credit Information Center (sub-center): If an individual has any objection to the credit information record, he can bring his valid identity document and file an objection application with the credit information center of the local central bank. If the central bank does make mistakes in verification, it will correct them according to the investigation results.
3. Objection to the lending institution (bank): If the personal credit record is bad due to the bank's reasons, you should provide relevant evidence and contact the "involved" bank in time to ask it to eliminate the bad record.