View overdue records and find out the record deletion period
Today, we will learn more about the overdue record inquiry record and deletion period. If you manage your credit information, you may end up with arrears for any reason.
Overdue record inquiry method
Overdue records are overdue records registered with the Credit Information Service and include loans or credit card payments that are overdue for 3 months or more. Also, if there is an overdue record, your credit score will drop and loans or credit card issuance will be restricted. It’s also an important factor that lenders use to evaluate your credit, and the more delinquent you are, the lower your credit score can be, which can make it difficult to get a loan or get a loan at a low interest rate.
Overdue records are not only reported to credit reporting companies, but are also used to evaluate your credit. Credit check companies include credit histories, delinquent records, loan records, and more.
Overdue records are kept on your credit report for 7 years, and if you do have overdue records, the record will be gone after 7 years. However, there are ways to clear your delinquent records. A common practice is to ask the credit bureau to delete your records, and the credit bureau will do so if it is reasonable.
How to check overdue debt through a credit reporting company
Credit inquiry companies can inquire personal credit information through the Credit Information Service, and there are three credit inquiry companies: Korea Credit Bureau, Nice Rating Information, and Korea Credit Information. If you inquire through a credit inquiry company, you can inquire about your credit score, delinquency record, loan amount, and loan balance.
View Korea Credit Information
To inquire credit information through a credit inquiry company, you must register as a member of the credit inquiry company, and you can inquire your credit information after verifying your identity.
Credit Recovery Committee: The Credit Recovery Committee is a support organization for delinquents. If you register with the Credit Recovery Committee, you can pay off your arrears in installments and delete your delinquency record early.
Nice evaluation information
Korea Credit View
How to inquire overdue through a financial institution
When a financial institution issues a loan or credit card, it inquires the individual’s credit information through a credit information center and must agree to the credit information inquiry to the financial institution. You can make a contrition inquiry to the following agencies.
Bank / insurance company / credit card company / savings bank / capital / loan company
The way to search overdue records at financial institutions is as follows.
Visit a financial institution. – Agree to credit information inquiry – Search credit information
The method of checking overdue debt at a financial institution may vary from financial institution to financial institution, so it is necessary to contact the financial institution in advance and confirm.
It is important to pay off your arrears quickly. This is because the sooner you pay off your arrears, the faster your credit score recovers.
It’s a good idea to pay off your loan quickly – the sooner you pay off your loan, the faster your credit score will recover.
If you have a history of delinquencies, it is recommended that you apply to a credit bureau to adjust your credit rating.
It’s a good idea to cut down on your credit card use – as more credit card use can lower your credit score.
Financial products that can raise your credit rating include , loan minus bankbook, credit card, etc.
It is important to carefully manage your overdue history because it has a great impact on your credit score, and if you have an overdue record, it is better to try to restore your credit score.
Delete long-term overdue record inquiry
Long-term overdue records are registered with the Credit Information Service and include loans or credit card payments that are overdue for more than 3 months. So, if you have a long-term delinquency record, your credit score may decrease and loan or credit card issuance may be restricted.
Inquiry on Seoul Guarantee Insurance website: Click the link to view overdue records on Seoul Guarantee Insurance website and then enter the required information.
Go to the Seoul Guarantee Insurance website – Click Customer Center – Check overdue amount – Verify your identity – Inquire overdue amount
Go to Seoul Guarantee Insurance
The Seoul Guarantee Insurance Customer Center number is 1670-7000.
Alternatively, you can visit the Seoul Guarantee Insurance branch to inquire, and the location of the branch can be found on the Seoul Guarantee Insurance website.
Request to have delinquent record deleted: If you have a delinquent record, you may apply to have the delinquent record deleted. To clear your delinquent record, you must provide the following information:
The locations and phone numbers of Seoul Guarantee Insurance’s Seoul agricultural districts are as follows:
Gangnam Branch 100 Teheran-ro, Gangnam-gu, Seoul (Yeoksam-dong, B1, Renaissance Seoul Hotel) 02-555-3000
Seocho Branch 60 Seocho-daero, Seocho-gu, Seoul (Seocho-dong, Renaissance Palace Seoul Hotel B1) 02-585-3000
Seoul Head Office 12 Insadong 7-gil, Jongno-gu, Seoul (Gwanhun-dong, Baeksang Building) 02-760-3000
Other branch locations and phone numbers
Seoul Guarantee Insurance branch locations and phone numbers can be found on the SGI Seoul Guarantee Insurance website. Go to the website, click the “Branch Information” tab, then click “Branch List”. In the branch list, you can check the branch name, address, and phone number.
Go to regional information
Go to Incheon Area Seoul Guarantee Insurance
Go to Gyeonggi-do Seoul Guarantee Insurance
by region | Branch Information | Service Use Guide | Customer Support | SGI Seoul Guarantee
This is a list form (table) of Seoul Guarantee Sales Branches. In this table, you can check number, branch, contact, and address information. No. Branch Contact Address 1 Gangnam Branch 02-567-0021 [06232] Meritz Tower, 382 Gangnam-daero, Gangnam-gu, Seoul
www.sgic.co.kr
You can see the location and phone number of each Seoul Guarantee Insurance branch and use the Seoul Guarantee Insurance mobile app these days when you often use your cell phone. After launching the app, click the “Find a branch” tab, then click the branch list, and you can check the branch name, address, and phone number in the branch list.
You can use it conveniently by using the Seoul Guarantee Insurance app. We’ll leave you with a direct link.
Using the Seoul Guarantee Insurance app
Information about overdue loans or installments: This includes the number of the loan or installment, the name of the lender or installment company, the start date of the delinquency, and the amount owed.
Proof of repayment of overdue debt: Include a reimbursement receipt or bank statement.
Reasons for clearing delinquent records: These may include personal reasons, such as taking out a loan or seeking a loan at a lower interest rate.
Decision to delete delinquent record: Seoul Guarantee Insurance may review the application for delinquency record deletion and delete the delinquent record if it deems it warranted. However, if Seoul Guarantee Insurance decides not to delete the overdue record, you may appeal. The appeal procedure can be found on the Seoul Guarantee Insurance website.
Delinquency record: The delinquency record is deleted when all arrears are paid off. If the delinquency record is incorrect, you may appeal the delinquency record. In this case, you must submit an objection to the overdue record to the Credit Information Service. You can download the appeal form from the Credit Information Service website.
Overdue records are deleted after 5 years from inquiry, but registration with the Credit Recovery Commission is deleted after 3 years.
For credit management, if there is an overdue record, it is recommended to register with the Credit Recovery Committee to delete the overdue record early. Take care of your credit management.
If the delinquency record is incorrect, you may file an objection to the delinquency record, in which case you must submit an objection against the delinquency record to the Credit Information Service. If you go to the Credit Information Service website, you can download a credit information appeal form.
A credit information objection form is a document submitted by a subject of credit information to a credit information collection agency to file an objection to personal credit information. If your credit information is incorrect or incorrect, you can file a dispute. The credit information objection form must include the reason for the objection, specific details, and evidence.
Download the Credit Information Opposition Form
The credit information collection agency completes the investigation within 10 days of receiving the credit information objection application and notifies you of the objection processing result. You can visit the credit information objection form in person or send an electronic document by mail.
Telecommunication overdue record inquiry
There are several ways to view telecommunications delinquency records.
Inquiry on telecommunication company website: You can search telecommunication delinquency records on the telecommunication company website. Just click the “Look up delinquent record” link on the website and enter the required information.
You can inquire by calling the customer center of the telecommunication company, and you can also inquire about the communication delinquency record by calling the customer center of the telecommunication company. Alternatively, you can visit the branch of the telecommunications company to inquire about the communication delinquency record by visiting the branch of the telecommunications company.
In order to view telecommunication delinquency records, you must provide information on your telecom account, which includes the telecom account number, telecommunication company name, overdue start date, and overdue amount.
Then, we will tell you in detail how to view and delete the communication delay record for each carrier.
How to view and delete SK Telecom communication overdue records
SK Telecom:
How to inquire: On SK Telecom’s homepage, click “Customer Center> My Page> Rate/Billing> Billing History> Overdue History” menu.
How to delete: When you pay the overdue fee, the communication overdue record is automatically deleted.
LG U+:
How to inquire: On the LG U+ homepage, click the Customer Center> Rate/Billing> Rate Inquiry> Overdue Details menu.
How to delete: When you pay the overdue fee, the communication overdue record is automatically deleted.
KT:
How to inquire: On the KT homepage, click the “Customer Center> Rate/Billing> Rate Inquiry> Overdue Details Inquiry” menu.
How to delete: When you pay the overdue fee, the communication overdue record is automatically deleted.
KT Customer Center: 1588-0500
Even if the communication delinquency record is more than 3 years old, you can check your credit information with a credit inquiry company. To delete the telecommunication delinquency record, you must pay the arrears to the telecommunications company and request deletion of the delinquency record to the credit inquiry company.