The search of personal correspondence records is a common requirement in everyday life, whether it involves the approval of loans by banks, cooperation with public institutions or even during recruitment. Accurate and true information that reflects a credit profile is so relevant that it becomes indispensable for loan applicants to maintain a personal letter record. How long has the letter been recorded? The following are some of the relevant information summarized from different angles to answer this question。

How long has the letter been recorded

I. What information is included in the correspondence records

The content of correspondence records includes basic personal information (e.g. name, identity card number, contact information, etc.), personal credit status (including credit card use record, loan record, repayment status, etc.), personal tax arrears, personal tax payment, administrative penalty record, civil adjudication record, etc. Every record plays an irreplaceable role for institutions such as banks, credit companies and so, for individuals, good credit is not only the basis for an individual ' s independent economic development, but also the guarantee of life。

Time of deposit of correspondence records

THE CURRENT RECORD-KEEPING CYCLE FOR LETTERS OF CREDIT IS GENERALLY FIVE YEARS, BUT CREDIT LATE RECORDS THAT MAY BE AT HIGH RISK CAN LAST 7-10 YEARS. FOR EXAMPLE, AT THE TIME OF THE INDIVIDUAL LOAN, A DETAILED RECORD WAS MADE OF THE NUMBER OF ARREARS, THE OVERDUE PERIOD AND THE TOTAL AMOUNT OF COMPENSATION PAID FOR EACH EXPENSE, AND IF THERE WAS A LOAN THAT HAD BEEN OVERDUE, THE PERIOD OF RECORDING THE LOAN WOULD BE APPROXIMATELY FIVE YEARS FROM THE LAST TIME IT WAS OVERDUE. IF THE APPLICANT IS TOO LATE AND IS UNWILLING TO PAY, THE RECORD WILL BE KEPT ON THE CREDIT RECORDS AND WILL BE RED TAGS FOR YEARS。

III. How to improve the rating of letters of credit records

How can personal credit ratings be improved? The following recommendations are for your information:

1. Correct and rational management of credit cards: to the extent possible, to control the total amount of credit cards, not to leave arrears, not to exceed expenditures, and to make timely payments, etc.

2. Repayment of the credit records of the loan on time is good and allows for an appropriate increase in credit lines, but does not promote more borrowing

3. Proper understanding and maintenance of personal credit to minimize delays in the payment of overdue payments and, in the event of such delays, to pay them in a timely manner and to contact the appropriate bodies

4. The health of an individual ' s credit record must begin at an early stage, not relying too heavily on a credit record to establish his or her own personal credit system and brand。

In addition, it can participate in public service initiatives such as green loans, green credit cards and the transmission of a good sense of credit to society。

In general, the record of letters is an important information that reflects the credit status of individuals, and the proper management and maintenance of their credit records can help to improve the credit rating and provide security for the smooth conduct of certain matters。