There are more people than you might think because they don’t know how to check communication overdue, so they’re out of the question. Sometimes I borrowed my name for nothing, and I’m at a loss. Here’s how to inquire about my past unpaid cell phone bills. I can see all carriers. 통신등급 조회
<Confirmation method based on all telecommunication companies for communication overdue inquiry (non-payment of mobile phone bill)>
If it’s a relatively recent problem, I’m well aware of the state of non-payment of cell phone bills anyway. However, it is embarrassing when suddenly it comes out that there is a history of communication delinquency in the past or that if you do not pay it suddenly, it will be transferred to a credit information company. You can check it easily by following the guide below.
Credit information joint management service website 이베이스매뉴얼
A lot of people don’t know this. Managed by the Korea Information and Communication Promotion Association, it is a place where credit information is centrally managed in connection with habitual and intentional late payment. Credit information is managed with permission from the Financial Services Commission.
You can check overdue communication on the credit information joint management service website (shortcut). You can check the status of unpaid bills for not only SKT, KT, and LG, but also other budget phones. You can check not only non-payment of regular mobile phone bills, but also non-payment of wired, cable, and internet bills.
How to check overdue communication
The method is not difficult. You can check it right away as it is only possible to verify your identity.
There is a ‘My Credit Information’ menu on the main screen menu of the homepage. If you click this button to agree and verify your identity, you can view all unpaid overdue communication charges. In addition to mobile phone authentication, self-authentication is possible with a joint certificate or credit card, so even those who are in a bad situation can do it.
[A collection of essential information to help you below]
When will the non-payment of mobile phone bills be suspended, essential communication delinquency common sense
How to raise KCB credit score level
Conditions for receiving lump-sum refund of national pension, how to apply
Inquire about credit score rating and raise your credit score (ft. Management method)
Hello, this is Naver Economy Influencer HoDRT. The standard for evaluating creditworthiness has changed from credit ratings in the past to a credit score system from 2021. Today, we will look at the concept of credit score, how to inquire, and how to raise the score.
Credit Rating and Credit Score
You can think of your credit rating and credit score as your face and business card in your social life. This is because it quantifies ‘credit’, which can be said to be the most basic in social life.
These credit scores and credit ratings are determined by synthesizing various information such as the existence and duration of delinquency and multiple debts during personal credit transactions, and depending on these scores, they are applied to loans and investments in the financial sector, and further, play a significant role in daily life.
To start with a little more concept, the past credit ratings are classified into grades 1 to 10, with grades 1 and 2 being good, grades 3-6 being general, grades 7-8 being caution, and grades 9-10 being risky. was becoming
For credit ratings, NICE and All Credit (KCB), a credit rating agency, are representative.
Source: Financial Supervisory Service
In the case of credit rating, since it was divided into 10 levels, individual loans can vary greatly depending on the first level. From 2021 onwards.
The meaning of credit score refers to personal trust in capitalism. In other words, it can be said that it is whether or not you can trust this person and lend money.
raise your credit score
If you know the importance of your credit score, of course, you need to take good care of it so you don’t get hurt. Let’s summarize some of the most basic ways to raise your credit score:
1. Make good use of your credit card
If you use your credit card for a long time, your credit score will increase. Since a credit card is borrowing money for a short period of time with the concept of prepayment and settlement, it can be helpful to increase your creditworthiness if you use it consistently without a history of delinquency.
However, it is recommended to use it with a little more room than to use it by filling the limit. This is because this person may be judged to have no cash flow if you use it up to the limit.
Lastly, if you need to organize your credit cards, it’s a good idea to start with the most recent ones and keep the old ones. It is because there is a history of repaying well for a long time.
2. Make good use of your debit card
Do not use only credit cards, and if you use debit cards regularly, your credit score will improve. It is highly recommended to use it for a long period of time at 300,000 won or more per month, and your credit score can be improved up to 40 points.
Source: Financial Supervisory Service
3. Use the negative account limit with plenty of room.
Overfilling your Matong loan limit can also erode your credit score. Because it is judged that the possibility of delinquency is high. Therefore, it is recommended to use it at a level of 30-40% within the limit of matong.
If you are using more than that, you need to get in the habit of cleaning it up to some extent. Oh, by the way, if you need money urgently, we recommend that you use a matong rather than a credit card cash advance.
4. 3 financial institutions, loan companies, cash advance, revolving, avoiding delinquency
No matter how much money is urgent, it is better to avoid the above services if possible. It can seriously damage your credit rating. To prevent such a situation, we recommend that you operate an emergency savings account, or if you have not operated such a bankbook, you should try the service through the Financial Services Agency.
5. Communication fee, tax, utility bill, payment
If you have consistently paid your telecommunication bills, taxes, and utility bills without arrears, this can also improve your credit score. It is because it is judged that the promise with the company or the bank has been faithfully (?) fulfilled.
Conversely, if these charges are overdue, it will inevitably have an adverse effect on your creditworthiness, right?
Credit score inquiry
I mentioned earlier that there are representative credit institutions such as Nice (NICE) and All Credit (KCB). Let’s take a look at the places where you can check by institution:
[ Where you can check both Nice and All Credits ]
: Kakao Pay, Hyundai Card, Toss, Bank Salad
[Where you can check the niceness]
: Kakao Bank, K-Bank, Payco
[The place where all credits were checked]
: SBI Savings Bank, Naver App, Shinhan Card
Free Credit Inquiry | Financial Supervisory Service 1332
If you click the website banner below or follow the instructions below to access it, you will be directly connected to a free credit inquiry. Go to 「Nice Ji Kimi」 ( ) on the Internet → Click on ‘Free National Credit Inquiry’ → Click ‘Browse’ → Check your credit rating ※ Check (inquire) your credit rating with confidence! credit, etc…
I will upload a link to a free site listed in the Financial Supervisory Service, so please check it out. Note that even if you check your credit rating, your credit score will not be affected.
In the past, the credit inquiry office had an effect on the credit score, but since October 2011, the fact of the credit score inquiry has been improved so that it is not reflected in the credit evaluation.
Also, if you have any objections to your credit rating, you can check the basis for calculating your credit rating and receive explanations through the customer center of the credit inquiry company, so please refer to it.
concluding
Today, we looked at the conceptual part and how to manage the credit score, which is essential for social life. This is an area that requires attention to avoid damage to your credit score through financial management.
Please follow the basics well and enjoy the various benefits of your credit score. So, I will end today’s post with this, and if it was helpful, please add a neighbor and a fan! thank you!