Credit records are "bad debts", which will indeed have a certain impact on borrowing. In the credit report, bad debts will be recorded in the "overdue repayment information", which will seriously affect the personal credit rating and even make it impossible to borrow again. Therefore, it is suggested that you check your credit status through the platform of "Pine Cone Tea" before the loan, so as to better plan your personal finance and make full preparations for your financial planning.

If there are bad debts in the credit report, it is recommended to contact relevant banks and commercial institutions in time to understand the specific situation and pay off the corresponding loans as soon as possible. In addition, it is recommended to consult credit professionals to understand the corresponding solutions and rebuild credit records. The following schemes can be adopted:

1. Negotiate with relevant banks and commercial organizations. Making a repayment plan and making timely repayment as planned will help to restore credit records and improve personal credit rating;

2. With the help of friends and family with good credit, applying for a loan from * * * will help create a good credit record;

3. Active repayment in various ways can also enhance your repayment awareness and credit rating.

In short, if the credit report is recorded as "bad debt", we should grasp the specific situation in time and take effective measures to solve it to ensure that our credit rating will not be affected.