Overdue record inquiry
Let’s look at how to view overdue records and the record deletion period. Overdue records have a negative impact on your credit rating, so it’s best to deal with them right away. Let’s look at the overdue record and find out how to delete the record and how to handle it.
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overdue record
If you know about the management of credit rating, I think you know how big of a negative impact the overdue record can have on your credit rating. Credit ratings are applied from issuance of various cards to loan screening. If your credit rating is low and your application is rejected, the situation is urgent, but if it is not processed as quickly as you think, it will lead to bad results.
If your credit card payment is overdue or the loan interest payment date has passed, it is a good idea to check your delinquency record if this has happened. If there is an overdue record through inquiry of overdue record, figuring out when it will be deleted will not be a problem with the next loan or credit product. It is important to always prepare in advance for the future, even if you are not in a hurry to view the overdue record. 연체기록
You can view it at Nice Jikimi or KCB All Credit. 좋은뉴스
How to look up overdue records
You can check overdue records through Nice Jikimi.
Click Nice Jikimi > Apply for Free National Credit Inquiry.
After agreeing to the required terms and conditions, filling out your name and resident registration number, verify your identity (mobile phone, credit card, public certificate).
Credit rating and overdue history can be viewed.
Check default information, default credit companies, and short-term delinquencies.
Identify loans, debt guarantees, and single key card loan information.
Check the main evaluation factors and negative factors in the credit score evaluation factors section.
Nice Jikimi Overdue record inquiry
Delete Overdue Records
The record of overdue information is not resolved immediately by resolving the details of overdue information, but the record remains for a certain period of time. In other words, the overdue information has been resolved (released), but the overdue record remains for a certain period of time.
If so, in which case will the record be left? When an overdue record is inquired, the overdue record remains for a minimum of 1 year and a maximum of 5 years. Previously, even in the case of a small amount of 100,000 won, an overdue record was left and reflected in the credit score. However, as wages are low compared to inflation, which adversely affects credit ratings, the standards for recording short-term and long-term delinquency have recently been changed.
Short-term delinquency/long-term delinquency criteria
Category Overdue Amount Overdue Date
Short-term overdue KRW 300,000 or more 30 days or more
Long-term overdue KRW 1 million or more 90 days or more
If the existing 100,000 won or more has been overdue for more than 5 days, at least 3 years of overdue records have been kept. Currently, short-term overdue has been changed to over 300,000 won overdue for more than 30 days. If there is one overdue of 300,000 won or more and 30 days, the record is kept for 1 year and then deleted. If there are more than 2 cases, the record is deleted after 3 years.
If you go over from short-term overdue to long-term overdue, you should be careful that the storage institution becomes more than 5 years. Currently, a record of 1 to 5 years is usually left for a long-term overdue of 1 million won or more and 90 days or more.
Short-term delinquency: Repayment after delinquency of less than 3 months
Long-term delinquency: repayment after delinquency for more than 3 months
* In the case of long-term overdue, you will be listed on the debt default list, and you will be severely disadvantaged in financial transactions.
For reference, if delinquency information is shared with all financial companies, loans from some financial companies are possible in the case of short-term delinquency, but in fact, all loans should be considered difficult. In case of long-term overdue, it usually takes more than 3 years to delete the overdue record, so always pay attention to credit management so that no overdue history remains.
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conclusion
Above, we looked at overdue records. Please pay attention to your payment history so that there is no record of overdue. Since the overdue record is closely related to credit management, when an urgent situation occurs, short-term and long-term overdue records usually take about 3 years, so it becomes a big stumbling block. As usual, three times of free nationwide inquiry is possible, so I think it is one way to prepare in advance through overdue information, etc.