Let’s take a look at how to check your credit history and how long it takes to clear it. The most damaging thing that can happen to your credit rating is when you don’t pay your bills on time, resulting in a late payment. Since you are aware of the importance of your credit rating, I assume you are looking for information on how to view late payments and how long it takes to delete them. 닥터규의 정보도서관
In this article, we’ll show you the easiest and most straightforward way to check your credit history in Nice Keeper.
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How to look up late payments
1. In order to look up your delinquency history, you first need to connect to Nice Keeper.
2. You can do a free credit check for all non-members without signing up. If you verify your identity, you can check your current credit rating and delinquency history together.
3. After agreeing to all the required terms and conditions, fill in your name and social security number and verify your identity. You can choose between mobile phone, credit card, and certified certificate for verification.
4. View your default and short-term delinquency history, as well as information on loans, guarantees, and short-term card loans.
5. See where you’ve received negative credit score factors, which can help you improve your score.
How long to add and remove short-term and long-term late payments
Delinquency is calculated based on ‘business days’, and delinquency is divided into <short-term delinquency> and <long-term delinquency>.
Short-term overdue: If you repaid after being overdue for less than 3 months
Long-term overdue: If you repaid after being overdue for more than 3 months (you will be listed on the default list and have a strong disadvantage in financial transactions)
Regardless of the period or number of delinquencies, delinquencies of less than $100,000 are not considered short-term delinquencies. Your credit rating or delinquency history is not shared with credit bureaus and other financial companies.
However, the financial company will have a record of your delinquency and may penalize you for additional loans or extending the maturity of your loan.
Late payments of KRW 100,000 or more, more than 5 business days, and 1 late payment will not affect your credit score, but will be shared with credit bureaus and financial companies for the duration of the late payment. It is recommended that you do not make late payments as this may penalize your financial transactions.
How to improve your credit score
Credit score if you don’t pay your cell phone bill
Many people are unaware of the impact of not paying their cell phone bill on their credit score, which can lead to financial penalties. Non-payment of cell phone bills can affect your credit rating (credit score).
1. late payment of call service charges and data service charges (cell phone usage fees): If you do not have a record of late payment, there is no impact on your credit score.
2. If you are late in paying your cell phone device installment : If you do not pay, you will have a record of late payment and your credit score will be lowered.
[Life hacks] – Summary of cell phone bill suspension conditions, cancellation, and payment
Cell phone bill suspension: conditions, removal, and payments
If you’re looking for a way to save money on your cell phone bill, here’s a quick and easy guide on how to do it. If you’re a late payer, your credit will be affected, and of course, you’ll have to pay your cell phone bill.
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How to check your short- and long-term delinquency history (free search)
Before applying for a government-backed loan or a conventional loan, it’s a good idea for the borrower to check his or her short-term and long-term delinquency records. While the short-term delinquency record may be known because it’s a short period of time, the long-term delinquency record is not easy to remember because it was a long time ago.
These days, you can get simple information like your credit score and loan history for free, but NICE Keeper and All Credit offer more detailed information.
You can check your credit for free three times a year after signing up.
NICE Keeper: Visit https://www.credit.co.kr/ → Click Try It → Apply for a National Credit Report
All Credit: Go to https://www.allcredit.co.kr/ → View your free national credit report
Wrapping Up
In this article, we have summarized the delinquency record inquiry and record deletion period. Both of the above sites can be viewed as a non-member, and you can view the delinquency record not only on PC but also on mobile.