What's a personal letter

It's a credit record that someone keeps in a credit evaluation agency's account, and it's a legal means for you to check your credit report. The question is, how many times will overdue payments be blacklisted

So let's go over it. How many times have the letters been blacklisted? However, if you are only occasionally overdue, then you have paid your arrears in time and you can then apply to the bank for a loan. As for those microcredits, their blacklisting depended entirely on the specific requirements of the lending institution。

How do you get out of this

The first step must be to repay as much as possible your arrears and to submit a request to the credit card centre to be de-listed。

If you do not carefully forget the repayments and produce the overdue records, and as a result the banks are blacklisted, you can go to the banks and negotiate with them to clear the blacklist records and pay all debts in a timely manner。

However, once your name appears on the credit card blacklist, this poor credit record will remain in the Central Bank letter system for five years, during which time you will not be able to erase it. The only thing you can do is keep a good credit record and actively repay your arrears, waiting for it to be automatically eliminated。