Today, we are going to look at the Overdue record inquiry and deletion period arrangement. If you are aware of the importance of credit rating management, you will be sensitive about overdue. It’s because when the delinquency appears, your credit rating is adversely affected. As these credit ratings increase, there are a lot of benefits, and when they get lower, you lose benefits as much as you do, so you will have to familiarize yourself with the information related to this on a daily basis. We will check the record deletion along with the overdue record inquiry.
Did you know that if you have an overdue record, these parts affect your credit rating? It is not possible to delete delinquent records until the specified period, even if all delinquent amounts are subsequently repaid. It should be noted that general financial companies look at these records and make credit evaluations accordingly. If so, how long will the normal overdue record remain? At the end of repayment, a period of 1 year at the shortest and 5 years at the longest will appear.
If your credit rating is lowered, you will receive several disadvantages. Getting the loan you need is becoming difficult, sometimes impossible. In addition, credit card limits will be lowered or issued more difficult, and loan interest rates will rise. This is probably why you should check and manage your overdue record on a regular basis. You can check overdue records through Nice Jikimi and All Credit. In the case of Nice Jikimi, you can search without registering as a separate member, so please refer to it.
If you have looked at the overdue record inquiry, you should also check when the overdue record deletion period is. In the case of a loan or card overdue, if it is overdue for more than 5 business days, it is recommended to repay within 5 days, as all financial companies will share the record. If it is more than 5 days, the delinquency record deletion period is as follows. 1) If it is less than 100,000 won, there is no effect on your credit score. 2) Less than 100,000 won ~ 300,000 won is within 30 days of overdue, and it will take 1 year to delete. 3) In the case of over 300,000 won, the deletion period is 3 years if overdue for more than 30 days. 4) If more than 300,000 won is overdue and more than 90 days have elapsed, it will take 5 years to delete.
Today, we learned how to view through overdue records and the deletion period. If you need money urgently, you can use it according to the situation through a loan, so you will have to consider the part about overdue. This is because the accumulation of delinquency can eventually lower your credit rating. Hope Dong-A Line provides detailed counseling on overdue record inquiries as well as assistance in personal rehabilitation bankruptcy. If you are in a difficult situation, please do not hesitate to refer to the link below and write it down.