연체기록 조회A delinquency is a situation in which you are unable to pay your dues by the due date. If an overdue record remains, your credit rating will be lowered and you will be penalized when making financial transactions. If your credit rating goes down, it is difficult to get a loan or the interest rate becomes very high, and it becomes difficult to reduce and issue credit cards.
Overdue is divided into short overdue and long overdue. Short-term overdue is applicable when the overdue amount is KRW 300,000 or more and the overdue period is more than 30 days and less than 90 days. Long-term overdue applies when the overdue amount is KRW 1 million or more and the overdue period is over 90 days. Here, the number of overdue days is calculated as the number of business days excluding public holidays.
In the event of long-term overdue, the overdue record is registered in the debt default list of credit rating agencies and credit information agencies, and disadvantages occur in future financial transactions.
For reference, if a credit card is overdue for more than 90 days, it is considered a long-term overdue and is registered as a credit delinquent.
Overdue records can be checked on the credit rating agency’s website. There are NICE evaluation information and All Credit, Korea’s representative new performance evaluation companies. In this article, we introduce how to view overdue records for free on the ‘NICE Jikimi’ homepage of NICE evaluation information. NICE Jikimi can view overdue records for free up to 3 times per year. Overdue records are searched for both short and long-term overdue records.
1. Access and experience the NICE Jikimi homepage – National Credit Inquiry – National Free Credit Inquiry (Non-members) Click in the order, then click the Service Request button. You can view without registering as a member.
2. Proceed with identity verification after agreeing to the required consent items, such as consent to personal information provision.
3. After authentication, you can check the overdue record inquiry result.
The way to search in All Credit is not much different from the way to search in NICE Jikimi, and you can search overdue records as a non-member.
Overdue records do not remain for life. The timing of deletion of the overdue record varies depending on the amount and number of cases from the date on which the overdue information is released by reimbursing all overdue amounts. It is expressed as deleting the overdue record, but the exact meaning is that the overdue record remains, but the overdue record is not shared with credit rating agencies and financial institutions. In other words, the delinquency record remains, but it is not reflected in the credit rating after the delinquency record has passed.
For reference, tax-related delinquents, such as national and local taxes and administrative fines, are overdue by KRW 5 million, or if three or more delinquent cases occur in a year, the credit rating will be lowered regardless of the number of overdue days, and a record of overdue will remain for 5 years after repayment. It’s possible.
Even if your delinquency record is deleted, your credit rating will not go up immediately. When past overdue records occur, credit ratings have already been lowered. Deleting overdue records does not in itself increase credit ratings. Deleting overdue records can be understood as ‘not evaluating credit ratings based on past records.’
This is because in order to raise the credit rating, there must be no overdue, and the evaluation is based on comprehensive financial transactions such as faithful repayment of loans and stable income. Therefore, in order to raise your credit rating, you must basically have no overdue payments such as various utility bills, taxes, credit cards, and communication expenses, and if you have a loan, it is recommended to repay it in good faith.
As above, we have summarized the information related to the overdue record search method and deletion. Hope this helps.
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