Today, we have summarized how to Delinquent record inquiry and deletion period summary. There are cases where unexpected delinquency occurs. If it is for a short period of time, it may not cause a major problem, but if it is delinquent for a long period of time, it can cause disadvantages in your financial life.
Please check the article below for details on how to check delinquent records (short-term, long-term, telecommunication) and delete delinquent records.
How to check delinquent records
You can check your delinquency records for free on the KCB and NICE credit rating agency websites. Even if all overdue amounts are repaid, overdue records are not deleted by a certain period of time, so financial companies base their credit evaluations on these.
Since delinquency records are maintained for 1 to 5 years from the time delinquent repayment is completed, it is recommended that you check your delinquency record as soon as possible and then repay the entire delinquent amount. If you have a delinquency record, your credit rating may be affected.
All Credit (KCB Korea Credit View)
After accessing the All Credit website, you can check your delinquency record using the nationwide free credit inquiry at the bottom. However, you can only view it for free 3 times.
NICE Jikimi (NICE evaluation information)
After accessing the NICE Jikimi website, you can check your credit for free by clicking on Free Credit Check for Nationwide at the top. However, if you use it for free, there is a limit to the number of times you can use it, and if you are a paid member, there is no limit.
Delete delinquent record
Delinquent records are deleted after remaining for a certain period of time. To explain it more simply, you can think of it as not deleting delinquent records, but rather delinquent records that have passed a certain period of time are no longer referred to in the financial sector.
Long-term short-term delinquency record deletion period
Delinquent amount Delinquent period Deletion period 100,000 won or more, less than 300,000 won, within 30 days 1 year, 300,000 won or more, within 30 days, 3 years, 300,000 won or more, within 90 days, 5 years
If you are overdue for more than 30 days, your credit score will be lowered and will be used in credit evaluation for up to 3 years from the date of repayment. If the delinquency record is not deleted by 30 days, it is called short-term delinquency. If the delinquency is more than 90 days, it is called long-term delinquency and is used in credit score evaluation for 5 years.
Long-term delinquency records are registered with the Korea Credit Information Service, and in October 21, the government also supported credit recovery by deleting some delinquency records. You can check the results on the Korea Credit Information Service Credit For You website.
How to delete delinquent records of Seoul Guarantee Insurance
It is said that most of the delinquent records of Seoul Guarantee Insurance are due to overdue device payments due to mobile phone installment plans. It is said that if communication fees and device prices are overdue, reception will be suspended and transmission maintenance will be taken, which may result in ex officio termination. As you are registered as a long-term delinquent person with an ex officio telecommunication company, all delinquent records related to your mobile phone will be transferred to Seoul Guarantee Insurance.
In order to delete your communication delinquent record, you must pay all overdue amounts. In this case, the communication fee will be reimbursed to the telecommunication company and the overdue device price will be reimbursed to Seoul Guarantee Insurance.
Seoul Guarantee Insurance Delinquency Record Phone Number: 1670-7000
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Today, we have summarized how to view delinquent records and check the deletion period. Please use this article as a reference and refer to each website for further information.
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