不良征信记录：含义与影响

中文段落：

不良征信记录是指个人或企业在信用活动中出现的违约、欺诈、拖欠等不良行为被记录在征信系统中的信息。这些记录可能包括逾期还款、信用卡透支、贷款违约、担保责任未履行、法院判决未执行等。不良征信记录对个人或企业的信用评估产生负面影响，可能导致金融机构、合作伙伴或消费者对个人或企业失去信任，进而影响到贷款申请、信用卡办理、合同签订、商业合作等方面。

不良征信记录的产生通常源于个人或企业对信用管理的忽视或不当行为。为了避免不良征信记录的产生，个人和企业应建立良好的信用意识，按时履行信用义务，避免逾期还款或违约行为。同时，及时查询和核实自己的征信记录，确保信息的准确性，发现有误或不当记录时，及时与征信机构沟通并申请更正。

英文段落：

A bad credit record refers to the information recorded in the credit system regarding defaults, fraud, arrears, and other adverse behaviors exhibited by individuals or businesses during credit activities. These records may include overdue repayments, credit card overdrafts, loan defaults, unfulfilled guarantee responsibilities, and unexecuted court judgments. A bad credit record has a negative impact on the credit assessment of individuals or businesses, potentially leading to a loss of trust from financial institutions, partners, or consumers. This can further affect loan applications, credit card processing, contract signing, business cooperation, and other aspects.

The emergence of a bad credit record is often attributed to the neglect or improper conduct of credit management by individuals or businesses. To avoid bad credit records, individuals and businesses should establish a good credit awareness, fulfill credit obligations on time, and avoid overdue repayments or defaults. Additionally, it is essential to regularly check and verify one's credit record to ensure accuracy. If any incorrect or inappropriate records are found, prompt communication with credit agencies and applying for corrections are crucial.