연체기록 조회Nice Jikimi Overdue record inquiry
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.
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.
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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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.
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