Core Viewpoint - The article reveals the emergence of numerous intermediaries claiming to offer "credit repair" services, suggesting they can erase negative credit records, particularly those exceeding 10,000 yuan, through dubious methods [1] Group 1: Industry Overview - A significant number of intermediaries are advertising services to repair credit records, with slogans like "Overdue is not scary, professional teams help you delete records" [1] - These intermediaries assert they can exploit "loopholes" in regulations to eliminate bad credit records, indicating a potential gray market in credit repair [1] Group 2: Business Practices - One intermediary claimed to have a deep understanding of the "underlying logic" of credit data management, stating that while overdue records under 10,000 yuan may not be displayed, the underlying data still exists in the People's Bank of China credit management system [1] - The intermediary suggested that their service could effectively delete the data from the foundational database, implying that clients would appear as if they had never had overdue payments [1]