If you don’t sign it, it has no legal effect...

For 13 years, go to the credit union directly. If you have not signed any guarantee contract, or clerk, ask them (credit department or customer department) to cancel the bad records for you (with the gradual improvement of the national credit system, credit records will be very important in the future). If it doesn’t work, go to their leader. If it still doesn’t work, go to the department. The superior credit union of the bank said that they were operating illegally, and they were all afraid of this. . . . . . But the premise is that you must have sufficient reasons and evidence. If that doesn't work, the last step is to go to court and sue them. The court will accept the case.