A large number of references to letters of call may begin with the overdue records of loan platforms. However, there is a growing concern about the “flowers” of letters of credit data, as all major financial institutions have raised the credit threshold, even if only “flowers”, which may lead to the denial of loans. How, then, would it be remedied in the case of “flower” intelligent data? Just do it

How do you remedy the letter? Just do it

The solution to the problem must start with the root causes. Usually, the main reason for the “flowers” of the letter data is over-application for loans. According to user feedback, if a loan is requested more than three times a month, the letter-writing data will become “flowers”; the more requests are made, the more the data will be “flowers”. Therefore, in order to address the problem of “flowers” of letter data, it is first necessary to control the number of loans requested. To the extent possible, the number of applications for loans per month should not exceed three or more times, at most five times, and the pace should be maintained for approximately six months. Financial institutions are usually only concerned with the number of loans made in the last six months, and the long-term impact is small, so the problem of "flowers" in letters is not difficult to resolve。

If there is a genuine need to apply for loans more than once in a month, efforts will be made to reduce the number of loans in the following months, ensuring that the average number is between three and five per month。

In addition to frequent hard inquiries, there is another reason for “flowers” in the letter data, which is the excessive use of loans or credit cards. Such situations usually make the overall data difficult to see. Such users usually have a large number of loan and credit card accounts in their names. In such cases, the user can properly settle some of the arrears and write off the loan accounts that are no longer in use, thus gradually restoring the creditworthiness。

Overall, as long as good borrowing habits are in place, creditworthiness is generally not poor. On the contrary, blindly applying for loans or late repayments can only undermine the letter of call and cause unnecessary trouble. Therefore, it is particularly important to develop good lending practices。