Find out how to check overdue records and how long the records are deleted. As an adult, you can feel the importance of managing your credit rating, and the most detrimental part of this credit rating is when you fail to repay your money on time. After I opened a credit card, I almost became delinquent due to the increased consumption, but I am trying to avoid delinquency even if I somehow raise money for the grade.
The higher your credit rating, the more benefits you can receive, and if you are looking for a house or want to get money in a hurry, a higher rating allows you to borrow more money at a lower interest rate than others. Conversely, the lower the rating, the lower the amount you can borrow at a high interest rate. I think it would be better if I only use a debit card that is purely my own money, but it is not good to use only a debit card because it requires a record of borrowing and repaying money with a loan or credit card in order to evaluate credit in the financial system. 연체기록
If you have never been able to repay the credit card payment date or interest on a loan you borrowed on time, it is a good idea to check your delinquency record. If you check when the delinquency record is deleted through inquiry, you can know when it is better to make the next big loan or credit transaction. There is.
Find out how to check overdue records 좋은뉴스
https://www.credit.co.kr/ib20/mnu/BZWOCCCSE98
1. At Nice Jikimi, you can do a free credit check for non-members nationwide without registering as a member. You can verify your identity at the time of inquiry, and it supports your current credit rating and overdue record inquiry.
2. After agreeing to all required terms and conditions, click the Identity Verification tab.
3, Fill in your name and resident registration number and verify it. [Cell phone, credit card, public certificate]
4. Check my default information and short-term delinquency details.
5. Check loan, debt guarantee, and short-term card loan information.
6. If you check my credit score evaluation factors below and check where you got negative factors, you can get help in upgrading your rating.
When there is overdue record, find out the deletion period by type
Overdue type Overdue period Storage period
Short-term delinquency from 5 days to less than 90 days 3 years
Long-term delinquency 90 days or more 5 years
All records confirmed by overdue record inquiry are worth 100,000 won or more. It is wrong to say that even a small amount of delinquency will leave a record and the impact will remain on the record and not be good. If it is less than 10,000 won, it will not be recorded on the record. If 5 days have passed without repaying more than 100,000 won, the storage period is at least 3 years, and if it exceeds 90 days, the storage period becomes 5 years.
During that period, your credit rating will continue to be affected and you will be able to view it in your bank notes, which will make your loan conditions unfavorable. And there are people who think that the start date of the storage period is from the date of overdue, but this is wrong. All delinquency records will be deleted after the storage period starts from the date of full payment in full and the short-term and long-term periods are over.