Let’s look at how to check overdue records and the period of record deletion. Overdue records adversely affect your credit rating, so it is better to deal with them immediately. Let’s look at overdue records and learn how to delete records and how to handle them.
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overdue record
If you are familiar with the management of your credit rating, you probably know how badly a delinquency record can have a bad effect on your credit rating. Credit rating applies from issuance of various cards to loan screening. If you are rejected because your credit rating is low, the situation is urgent and if it is not dealt with as quickly as you think, bad results will occur. 연체기록
If your credit card payment is overdue or past the due date for interest on your loan, it is recommended that you check your delinquency record. If overdue records remain through the delinquency record inquiry, there will be no problems in using loans or credit products that may be next to determine when they will be deleted. It is important to always prepare in advance for the future, even if you are not in a hurry to check overdue records.
You can view it on Nice Jikimi or KCB All Credits. 좋은뉴스
How to check overdue records
You can check overdue records through Nice Keeper.
Click on Nice Guard Me > Apply for Free National Credit Inquiry.
After agreeing to the mandatory terms and conditions and writing your name and resident number, you will be authenticated (mobile phone, credit card, public certificate).
You can check your credit rating and overdue records.
Check default information, default credit companies, and short-term delinquency details.
Identify loan, debt guarantee, and Dankey card loan information.
Check the main evaluation factors and negative factors in the credit score evaluation factors column.
Nice Ji Kimmy overdue record inquiry
Delete overdue records
In the case of overdue records, even if the overdue details are resolved immediately, the overdue information record is not resolved immediately, but the record remains for a certain period of time. In other words, overdue information has been resolved (released), but overdue records remain for a certain period of time.
If so, in which cases will the delinquency be recorded? If the overdue record is inquired, overdue records remain for at least 1 year and up to 5 years. Previously, even in the case of a small amount of 100,000 won, a record of delinquency was left and it was reflected in the credit score. However, as wages are low relative to inflation, which adversely affects credit ratings, the standards for short-term and long-term delinquency records have recently been changed.
Short-term/long-term delinquency criteria
Category Overdue Amount Overdue Date
Short-term delinquency 300,000 won or more 30 days or more
Long-term delinquency 1 million won or more 90 days or more
If the amount of over 100,000 won is overdue for more than 5 days, a record of at least 3 years of delinquency will be kept. Currently, short-term delinquency has been changed from 300,000 won or more to 30 days or more delinquency. If one case is over 300,000 won or more than 30 days overdue, the record will be kept for 1 year and then deleted. If there are two or more cases, the record will be deleted after 3 years.
It is important to note that the storage institution becomes more than 5 years in case of transition from short-term delinquency to long-term delinquency. Currently, in the case of long-term delinquency of more than 1 million won and more than 90 days, the record is usually 1 to 5 years.
Short-term delinquency: repayment after delinquency less than 3 months
Long-term delinquency: repayment after more than 3 months delinquency
* In case of long-term delinquency, it is placed on the default list, and financial transactions are severely disadvantaged.
For reference, if delinquency information is shared with all financial institutions, loans from some financial institutions are possible in the case of short-term delinquency, but in fact, all loans are difficult. In case of long-term delinquency, it usually takes more than 3 years to delete delinquency records.
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conclusion
We have looked at overdue records above. Please pay attention to your payment details so that no overdue records remain. Since delinquency records are closely related to credit management, in case of an emergency, it usually takes about 3 years to record short-term and long-term delinquency, which is a big obstacle. It is usually possible to check 3 times for free nationwide, so I think one way is to prepare in advance through overdue information, etc.