Let’s take the time to find out how to view Overdue record inquiry and deletion period arrangement. The worst impact on credit rating is the moment when the money is not paid on time and overdue occurs. Since you are aware of the importance of your current credit rating, I think you are looking for a way to view overdue records and a record deletion period.
From now on, we will organize the easiest and cleanest way to view overdue records in Nice Keeper.
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How to look up overdue records
1. In order to inquire overdue records, you must first log in to Nice Keeper.
2. In Nice Jikimi, free credit inquiry is available to all non-members without membership registration. If you authenticate yourself at the time of inquiry, you can check your current credit rating and overdue record inquiry together.
3. After agreeing to all the required terms and conditions, write your name and resident registration number and verify your identity. When authenticating, you can choose from mobile phone, credit card, or public certificate.
4. Check my default information, short-term overdue history, loan, debt guarantee, and short-term card loan information.
5. If you check where you received a negative factor in my credit score evaluation factors, you can get help raising your rating again.
Registration and deletion period for short-term and long-term overdue records
Overdue is calculated based on ‘business days’, and overdue is divided into <short-term overdue> and <long-term overdue>.
Short-term overdue: when repaid after less than 3 months overdue
Long-term overdue: When repaid after being overdue for more than 3 months (strong disadvantage in financial transactions due to being listed on the debt default list)
Regardless of the period and number of overdue cases, if less than KRW 100,000 is overdue, it is not considered as short-term overdue. Credit ratings, credit rating agencies, and overdue records are also not shared with other financial institutions.
However, since the financial institution has an overdue record, additional loans or loan maturity extensions may be disadvantaged.
Over 100,000 won, 5 business days or more, even if one case is overdue, it does not affect the drop in credit score, but overdue records are shared with credit rating agencies and financial institutions during the overdue period. It is recommended that you do not overdue, as you may be disadvantaged in financial transactions.
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Credit rating in case of non-payment of mobile phone bill
There are many people who are at a disadvantage in financial transactions because they do not know the exact information on whether non-payment of cell phone bills has an impact on their credit rating (credit score). If you do not pay your cell phone bill, your credit rating (credit score) will be affected.
1. In case of overdue call service fee and data service fee (mobile phone usage fee): If there is no overdue record at the time of nonpayment, there will be no impact on your credit score.
2. In case of overdue cell phone installment payment: In case of non-payment, an overdue record will be left and your credit score will also decrease.
[Living Knowledge] – General summary of cell phone bill non-payment suspension conditions, cancellation, and payment
General summary of cell phone bill non-payment suspension conditions, cancellation, and payment
Let’s find out easily and simply how to stop conditions for non-payment of mobile phone bills, cancellation, and payment. If you become a telecommunication delinquent, it will also affect your credit.
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Short-term/long-term overdue record inquiry method (free inquiry)
Before applying for government-supported loans and general loans, it is recommended that the person who wants to apply for the loan check their short-term and long-term delinquency records first. You may know the short-term overdue record because it has not been long, but it is not easy to remember the long-term overdue record because it was a long time ago.
Recently, simple information such as credit score and loan history can be inquired for free, but NICE Keeper and All Credit provide more detailed information.
After registering as a member, you can try credit inquiry 3 times a year for free.
NICE Keeper: Access https://www.credit.co.kr/ → Click Experience → Apply for national credit inquiry
All Credit : Access to https://www.allcredit.co.kr/ → Free credit inquiry for all citizens
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In this article, we have organized the overdue record inquiry and record deletion period. Both of the above two sites can be viewed as non-members, and overdue records can be viewed not only on PC but also on mobile devices.