Bank bad debts are loans that the borrower has failed to repay to the bank within a specified period of time in accordance with the time and amount of repayment stipulated in the contract, which the bank treats as bad. If the borrower repays later, the bank can write off its bad debts and thus discharge the borrower ' s obligations, but it will have an impact on the letter-writing records. So, what about the letters

The bank has paid off the bad debts. What about the letters

On the one hand, when bank bad debts are written off, the bank reports to the Centre, which revises the individual letter report. Although bad debts were disposed of, in previous letters, bad debts still had a negative impact on personal letters. The existence of bad bank accounts reduces personal credit scores and makes it more difficult to apply for credit cards, loans, etc. Even if uncollectible amounts were written off, the impact on letters of credit still existed, although over time the impact would be gradually reduced。

On the other hand, borrowers may voluntarily apply to the Centre for the elimination of bad debts. Once bank bad debts have been written off and reported to the Centre, if the borrower has paid off the loan in full, the relevant supporting material may be submitted to the Centre for deletion. Within the specified time frame, the letter call centre will verify the applicant ' s letter call report and, if the doubtful accounts have been written off and repaid in full, the relevant records can be deleted, thus having a positive impact on the letter call。

The processing of bank bad debts involves a tripartite relationship between financial institutions, letter centres and individuals. Despite the write-off of doubtful bank accounts, their negative impact could affect personal credit for a limited period of time. It was therefore important to avoid the creation of bad bank accounts in daily life。

First, it is recommended that, when loans are made, it is important that contracts be carefully read and that reasonable loans be made on the basis of their own repayment capacity or income to reduce the risk of bad debts. In addition, it was important to make timely payments when repayments were made, which was the most important measure to avoid bad debts. In cases where, for various reasons, repayments cannot be made on time, the banks can be consulted in a timely manner and can try to reduce repayment pressure by seeking some grace periods and preferential policies such as reduced interest rates。