With the gradual improvement of the personal credit system in recent years, there has been a growing emphasis on personal credit records, but some are often overdue for a variety of reasons, such as lack of management and neglect of repayments, which may create many inconveniences for individuals and even hinder their future development. How, then, should individual letters be restored after they have expired? This paper will be analysed from multiple perspectives。

First, in the face of overdue individual letters, we should be calm and not give up easily. First, according to the rules of the People ' s Bank of China, a person ' s late letter will be kept on his or her record for two years, which means that if we do not take measures, the personal credit record will have a long-term impact on us. We should therefore contact banks or credit card institutions in a timely manner to repay the loans in instalments in an effort to reduce the time spent on credit records. If there was a real failure to repay the arrears, the impact could be mitigated by a repayment agreement with the bank。

Secondly, while dealing with overdue individual letters, we should also look at the root of the problem. If it is due to a lack of management, various payment alerts can be introduced, bill dues alerts set to avoid further delay, and if it is due to income instability, it can improve its own quality, increase its vocational skills, find better job opportunities and increase income stability。

Finally, what if the effects of overdue individual letters have already occurred? If our credit records have been compromised, we can take steps to mitigate the impact. First, personal social skills can be fully utilized to build credit records. In social settings and interactions, contact people of different personality and background, while presenting themselves in a credible image. In addition, additional credit cards and loan approvals can be obtained, while a platform for low-risk repayment borrowing (e.g. housing, automobile loans) can be fully utilized to enhance credit records。

In the light of the above, we need to respond calmly to the problem of overdue individual letters, take timely measures to find out why, actively improve our own management model and create a sound and reliable credit file. Only in this way can personal credit records be restored and individual careers developed。