As I go through my life, there are naturally cases where I cannot pay taxes, fines, interest on loans, etc. on the set payment date, but people who don’t know that things that I thought would be okay in a few days than I thought would take a huge toll on me these days. It seems like too many.
Disadvantages of overdue records
There are many people who think that it will be okay for a few days or a few weeks or a month after being ‘overdue’ than I thought. It is highly likely that you will realize it, so we recommend that you accurately recognize it at this opportunity. 연체기록
Less than 100,000 won = It is located on the standard line where there is no problem at all about credit score and public institution registration. 좋은뉴스
Over 100,000 won + 5 days overdue on business days = 1 overdue case has a good credit score, but information is shared with the financial sector.
100,000 won or more + 5 business days overdue = 2 overdue cases decrease the credit score, and since ‘3 years’ remain after full payment, it is good to reduce the ‘number’ as much as possible, and it is helpful to solve the old ones in the arrears by date. It’s possible.
Over 300,000 won + 30 days overdue on business days = If there is even one overdue case, the credit score will drop, and it will remain on record for 1 year even after full payment.
Over 1 million won + 90 days or more based on business days = If there is even one overdue case, the credit score will drop, and even after full payment, it will be recorded for a long time of ‘5 years’, so the amount in units of 1 million won and a period of about 3 months We recommend that you resolve it within .
In the case of delinquency of more than 5 million won or three times a year (national tax, local tax, negligence fine, etc.), a credit score drop and a record for a long time of ‘5 years’ are left. Since there is a deadline for the number of times ‘burn’, I think it will be helpful to refer to this point.
If you want to check whether you are a ‘credit delinquent’, you can refer to ‘How to check if you are a credit delinquent’ when this post explains the specific way to ‘confirm’.
How to tell if you are overdue
2 delinquent records check sites
I wonder if there is a ‘record’ left when I paid in full while ‘overdue’ for the amount I had to pay. Since you may be curious and afraid of whether there is a ‘record’ left, I will explain how to ‘check’ the overdue record in detail.
There are two representative sites (Nice Keeper, All Credit) where you can most definitely check the part about the ‘overdue’ record. In addition, it is recommended that you sign up for ‘i-PIN (such as a resident registration number on the Internet)’ even for the ‘personal authentication’ process.
Nice Keeper
If you visit the Nice Keeper official website and scroll down a little, you will see the ‘free credit inquiry for all citizens’ section. If you click it, you will see ‘Search’ in a blue window at the midpoint. If you click it, you will go through the ‘Login’ process in earnest, go through the ‘1st and 2nd’ authentication process (recommended to sign up for an i-PIN), and then ‘Confirm’. It becomes possible.
1. ‘Nice Keeper’s official website. kr’ and scroll down a bit, click ‘Free Credit Inquiry for All Citizens’.
2. After clicking the ‘Inquiry’ part in the blue window at the midpoint, you can proceed with ‘Step 1 and 2’ authentication after ‘Login’ first.
3. Personally, Nice Keeper and All Credits are available for free, 3 times a year (once per quarter), so it is recommended to create an ‘i-PIN’ to use it steadily.
all credits
If you visit the All Credit official website, there is a ‘free credit inquiry for all citizens’ section in the lower right corner. After clicking on it, you can proceed with ‘Login’ and, unlike Nice Keeper, you will be able to browse once you have authenticated yourself.
1. ‘ All Credit Official Website. kr’ and check the lower right part, there is a ‘free credit inquiry for all citizens’ section, so you can click it.
2. After proceeding with ‘login’ for the first time, you have to ‘authenticate yourself’ in earnest. Here, it is a little more convenient in terms of accessibility because you only need to go through one step in the identity verification process than Nice Keeper.
3. If you have an ‘i-PIN’ in the ‘Identification’ section of Nice Keeper or All Credit, we recommend that you sign up as a member because you can officially access it quickly.
If you become a ‘credit delinquent’
If you become a ‘credit delinquent’, you cannot afford to pay your debts, so I think that it must have been overdue for a long time. It is most recommended to check the workout and rehabilitation system that suits the situation.
If you endure a lot of time alone, ‘experts’ actually have a point where you can solve the situation more quickly, but you can delay the situation further and lead to a situation where you can’t solve it, so ‘timing’ is also important in this part. I think it is.
The reason why I am scared and anxious is because I do not know exactly how to solve the problem, so if it is judged that I cannot personally afford the debt, I can get a reduction through the ‘Credit Recovery Committee’ rather than borrowing it from my acquaintances, or I can afford it monthly. We recommend that you proceed with installment payments where possible.