1. Repay the arrears as soon as possible: The first treatment is to repay the arrears as soon as possible. Negotiate with creditors or lending institutions and make repayment according to the agreement. Timely repayment of arrears can reduce the negative impact of bad debts on credit records.
2. contact the bank or institution to issue a settlement certificate: once the bad debts have been paid off, contact the creditors or lending institutions to apply for a settlement certificate. The settlement certificate is a document that proves that the arrears have been paid in full, which can be provided to the credit reporting agency to update the credit reporting record.