연체기록 조회For overdue registration to be registered, it depends on the amount and conditions. And the record of overdue registered as such overdue is kept differently depending on the overdue period.
The amount is also related to overdue. If it is less than 100,000 won, it is said that overdue registration is not possible. Then, can those who have less than 100,000 won in overdue be relieved?
The answer is half right and half wrong. The reason is that if interest is accrued due to overdue, if interest is accumulated and the overdue amount of principal plus interest exceeds 100,000 won, overdue will be registered according to the above conditions.
The problem is that the registered delinquency record is not used only by the financial institution. The contents are immediately shared with all financial institutions.
In other words, delinquency in one place causes problems even when using other financial institutions. Are you curious about when these delinquency records will be released? Let’s find out.
As mentioned briefly at the beginning, delinquency records do not proceed immediately after the principal is paid off.
In the case of registration with short-term delinquency, it is kept for 3 years, and in the case of long-term delinquency, it is kept for 5 years.
Even if you have paid off the loan in full, you will be at a disadvantage in your banking business because of your past overdue record. Even after the overdue period arrives, there are things you must do.
Your financial institution may have it run electronically, but sometimes delinquent records are not deleted.
Or, there are many cases where you do not know the overdue registration date. In this case, look up accurate information from famous companies such as Korea Credit Rating Agency, KCB Credit Rating Agency, and Nice Credit Rating Agency.
Toss, Naver, and Kakao Bank also provide the information. The important thing is that I must protect my credit, so if the overdue information is registered and is not deleted due to unfairness, please contact us without delay to delete it.
Good article to read together
This is all you need to know about credit card overdue standards.
