연체기록 조회In order to be registered as a current short-term delinquent, information is shared and records are uploaded to credit rating companies when overdue of 100,000 won or more and 5 business days or more. In order to be registered as a long-term delinquent, it is registered when it is overdue for more than 500,000 won and 90 days or more.
As it was announced that the personal credit rating standards will be changed this time, there are changes in the standards from the second half of this year. Short-term overdue is 300,000 won for 30 days, and long-term overdue is 1 million won over 90 days.
It is important not to overdue because it takes a long time to delete the overdue record registered with the credit rating agency. Please note that short-term delinquency records are deleted after 3 years after paying off all debts, and long-term delinquency records are deleted after 5 years after paying off all debts. If you want to check these records, you can find them right away by accessing All Credits.
If you have received a credit loan, you can check the unreleased overdue information in the Loan Appearance Information column. What you can check here is which financial institution you received the loan from, when it was overdue, how much the repayment amount is, and how much the remaining overdue amount is.
If overdue for more than 90 days, default information will be registered with the Korea Credit Information Service. In addition, the record is received and registered in All Credit.
If you do not pay your taxes on time, a record remains in the Other Overdue Account, and those who are paying off their debts through personal rehabilitation or bankruptcy can also check the information below.
If the bond was overdue for more than 5 years, the creditors would have changed due to the sale of the bonds. If it was extended, the record would still be there.
