Letters of call mean that banks and other financial institutions assess the credit and solvency of individuals on the basis of their credit records and then decide whether to apply for a loan or to increase the credit line. For individuals, the letter record reflects their personal credit position and is an important indicator of their financial position. So, can letters be checked often? There is no simple answer to this question, which requires analysis from different perspectives。

Can letters be checked often

In the first place, from the point of view of the letter seeker, it is generally necessary for the consumer to apply for it, i.e. the institution cannot freely search the credit records of the individual. For consumers, they can apply for access to their correspondence records on the basis of their needs and circumstances. Applications for search of correspondence records are generally subject to payment and therefore do not require frequent searches if they are not necessary. In general, it is recommended that inquiries be conducted on an annual basis, so that they can know their credit position and identify possible problems in advance。

SECOND, FROM THE POINT OF VIEW OF FINANCIAL INSTITUTIONS, FINANCIAL INSTITUTIONS SUCH AS BANKS, CREDIT CARD COMPANIES, P2P PLATFORMS TYPICALLY CONDUCT LETTERS-OF-TRUST INQUIRIES WITH LOAN APPLICANTS OR CUSTOMERS AS A BASIS FOR LOAN CLEARANCE OR CREDIT EVALUATION. THEREFORE, THE FREQUENCY AND MANNER OF INQUIRIES ARE DETERMINED BY THE FINANCIAL INSTITUTION AND THE INDIVIDUAL CANNOT INTERVENE. MULTIPLE INQUIRIES MAY ARISE IF INDIVIDUALS APPLY FOR LOANS OR CREDIT CARDS ON A FREQUENT BASIS, WHICH IS ALSO THE REASON FOR MULTIPLE QUERIES ON PERSONAL CALL RECORDS. CREDIT CARD COMPANIES SOMETIMES CONDUCT REGULAR CREDIT EVALUATIONS OF CARDHOLDERS, WHICH ALSO REQUIRES ADDITIONAL QUERIES。

Finally, from the point of view of protecting the privacy of individuals, it is recommended not to search the individual ' s correspondence records frequently, as excessive searching may affect an individual ' s credit rating. In addition, every search requires personal identification information, which, if disclosed, would result in financial losses and a credit crisis for individuals. Therefore, when searching for letters of call, it is important to choose the official letter caller and take security measures to protect personal information。

In the light of the above, letters of call can be checked on a regular basis for individuals, but appropriate timing and modalities need to be chosen for the actual situation. Annual letter queries help individuals to know their credit status in a timely manner, identify problems and repair them. However, there is a need to avoid frequent queries that affect personal credit ratings and privacy security. Financial institutions, on the other hand, frequently search personal correspondence records on the basis of need, and individuals cannot intervene。