Everyone has a letter of their own, and the good or bad of this report has a direct impact on your ability to make a loan, to run a credit card or even to get into your job. So, what happens when the letter records change to flowers? Let us look at a few practical ways to restore the letter。

How did it take to get back to normal

First, applications for loans and credit cards are suspended. If you apply for loans and credit cards frequently in a short period of time, the number of queries in the letter records will increase significantly, which will allow banks and financial institutions to question your borrowing needs and ability to repay. It is suggested that you could suspend such applications within the next three to six months and reduce the number of records, thus slowly repairing your letters of call。

Second, avoid blind borrowing. When there is a need for a loan, choose a platform that meets your requirements, and don't borrow anywhere. Excessive lending records can affect your overall credit rating, and central management of loan applications can help repair letters of credit。

Besides, try to keep your credit liability as low as possible. If your letter-of-assist report shows many liabilities, try to repay some loans in advance or cancel several credit cards. This will significantly reduce your liability and thus improve your letter of recommendation。

Above all, it was important to ensure that payments were made on time. If your letters of demand are damaged by multiple overdues, keeping a long-term record of repayments on time is an effective way to restore them. Good repayment records will gradually cover past overdue records and will help improve your credit rating。

At the same time, no frequent “hard queries” should be conducted. In a short period of time, if there are too many hard search records, banks and financial institutions will question whether you have financial constraints, which is very detrimental to your letter of call. In order to avoid this situation, hard inquiries into incoming letters are minimized。

So, how long does it take to recover? In the case of late communications, it usually takes five years to resume. When you pay your arrears, the overdue bad records will be kept for five years, automatically deleted after five years, and the bad records will be covered, and your letters will return to normal。

It would take about two years to recover if the frequent application for a loan resulted in a letter `flower', not because it was overdue。

These are some of the little knowledge that “how it took to get back to normal”. In addition, there are ways in which we can maintain our letters of call, such as avoiding excessive loan and credit card processing and not being free to vouch for others, which can help to keep them in good condition。