Let us talk about the process of removing the personal call record. Letters of call are now becoming increasingly important, and there is no doubt how much hope they will be cleared for those who leave bad records on them. So here we ask a question: how does a personal letter usually be cleaned up

How often do you remove a personal letter

First, the overdue portion of the individual ' s letter-of-call records is cleared in five years. This process begins on the date of the full settlement of overdue arrears and interest rates. Please note, however, that if your overdue arrears remain outstanding, this record will remain in place and may even become “bad debt”. If bad debt arises, when the bad debt is settled, then what is required is to contact the lending agency to correct the bad debt to the overdue record and then to begin to count for five years。

Then let's take a look at the letters. For example, the search records in these areas, such as loan approval, post-credit management and personal enquiries, are kept in letters for two years. So if you have a problem with the letter record, you just have to wait for some time to correct it so that your letter can be restored once the letter search record has been deleted。

It is also important to note that if there is a bad record, it will be recorded by the central bank intel system for 24 consecutive months. That is exactly what I would like to stress: once a bad record has emerged, you need to make sure that the next two years will not be overdue, then the new high-quality credit record will gradually replace the old bad record and gradually repair your inquisition。

There are other matters to be noted while awaiting clearance of their correspondence records. First, ensure that all outstanding bills, such as loan bills, credit card bills, are fully settled. Secondly, good personal credit protection should not result in new bad lending records. Finally, good lending habits such as not applying for large amounts of loans and credit cards in the short term are maintained。