Why don't you search too many personal letters? This is because each query is recorded in detail in a personal letter report. Although there are no search restrictions, frequent queries make it possible for financial platforms to question whether you borrow money on multiple platforms, thus judging your increased borrowing risk. Banks and other lending institutions generally refuse to accept users with poor credit records in order to reduce the rate of bad debts. If it is not necessary, try not to check personal letters. Furthermore, even if a query is required, it is recommended not to exceed three times every three months or five times in six months。

Why don't you check your letters

So, how long does the letter-in-writing report show? The search log of the letter-in-mail report shows the content of the last two years. The credit information is recorded for as long as possible. In particular, letters-of-mail reports show delays of almost five years, enforcement records, records of telecommunications arrears, records of civil judgements and records of administrative penalties. In the event that the credit is overdue, the records will be maintained for five years in the letter-writing report from the date of settlement。

In conclusion, letter-writing reports reflect a person's credit position, and excessive searching can lead to “disbursement” of letters, thus affecting financial operations such as loans. In order to maintain a good credit record, it is recommended to avoid frequent queries。