Today, we will learn about how to check and verify bad credit. Nowadays, many things are based on credit. We use credit cards a lot in our daily lives, so managing our credit scores is important.
So today, I will introduce you to how to check bad credit. There are many ways to check bad credit, so please check in a way that is convenient for you. Also, you can check and increase your credit score at the link below, so please refer to it.
Check bad credit
Nice Jikimi
You can check your credit score for free three times a year on the Nice Jikimi site.
Access the Nice Jikimi site
Free credit inquiry
Identity verification
Check your credit score
Ollcredit site
You can check your credit score for free three times a year on the Allcredit site. Please refer to this because you can check once per quarter.
Access the All Credit site
Select the National Free Credit Inquiry icon in the middle of the homepage
Select Member/Non-member Credit Inquiry
Identity verification
Check credit rating score
Kakao Bank
Run Kakao Bank and log in
Find out your credit score
Check your credit rating score
👇 Go to Kakao Bank (Android)
👇 Go to Kakao Bank (iPhone)
Toss Bank
Anyone who has opened an account at Toss Bank can easily check their credit for free. All credit scores for KCB and NICE can be checked at once.
Launch and log in to the Toss Bank app
Full menu
My credit score
Check your credit score after authentication
👇 Go to Toss Bank (Android)
👇 Go to Toss Bank (iPhone)
Criteria for bad credit
More than 9 months of overdue housing loan payments
More than 3 months of overdue payments exceeding 500,000 won
More than 1 year of overdue taxes and fines exceeding 5 million won or more than 3 times a year
More than 90 days of overdue installments or card payments exceeding 50,000 won
Recovery for bad credit
You can use the national system to recover your bad credit. It is a system that allows you to escape even if you are subject to bad credit criteria due to any debt such as a credit card loan. It is a system that helps you escape from the current economic situation and live a normal life. Please refer to the personal rehabilitation, personal bankruptcy, and credit recovery committee workout systems below to check if they apply to you and recover your bad credit.
Credit Recovery Committee Workout
The Credit Recovery Committee Workout System is available to those with a total debt of 1.5 billion won or less, unsecured debt of 500 million won or less, and secured debt of 1 billion won or less. If you can prove your income or the deliberation committee determines that you can repay the payment, you can proceed with the procedure. Once the procedure begins, any demand or seizure from creditors will be prohibited, and you can reduce the burden by reducing the monthly payment that you have to pay.
Personal Rehabilitation
This is a personal rehabilitation system that allows up to 90% of the principal and 100% of the interest to be written off. It has the advantage of allowing you to receive a debt write-off, and it can prohibit the write-off and demand of not only financial institutions but also private loans, daily wages, and personal money. If the repayment plan is approved, you will have 3 years to repay and the remaining debt will be forgiven. This is a system that requires an application to the court, and it is easy to proceed with the help of an assistant.
Personal Bankruptcy
The personal bankruptcy system is a system that reduces both the principal and interest. It is also a system that allows for recovery of bad credit. However, those who are currently unable to earn income or who have an income below the minimum living expenses can apply. However, since it is a system where all amounts are forgiven, it is more difficult than the personal rehabilitation system, so you need to make a more precise plan and proceed.
Conclusion
Today, we learned about how to check and confirm bad credit, and how to recover. There are various ways to check bad credit, so I hope you use a method that is convenient for you, and I recommend that you manage your credit score in advance.
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