People who have been denied loans or had their cards rejected due to delinquent information that has been following them like a tag can recover their credit scores through the government’s credit amnesty measures.
Let’s learn about credit pardon information. If you have repaid all of your delinquent amounts, you can quickly check your credit forgiveness below, so please take advantage of it.
Check eligibility for credit pardon
How to check for credit pardon
Information on how to confirm credit pardon eligibility can be found on the personal credit rating agency website.
If you have repaid all of your loan delinquency records by May 24 during the COVID-19 pandemic, your credit rating will automatically increase because the delinquency information has been deleted from the credit rating on the credit rating agency site.
I’ll show you a site where you can check your credit rating for free, so check it out right now.
For reference, the most commonly used credit rating agencies are KCB All Credit and NICE Jikimi, so we recommend using those sites.
Check credit rating agency
Go to KCB All Credit
Go to NICE Jikimi
Go to SCI evaluation information
Go to Credit Information Service
Go to NICE D&B
Go to Icredible
Credit information site inquiry
You can check your credit score for free at KCB All Credit.
In particular, we recommend that those who do not have an ID yet use KCB All Credit because it is easy to use because you can view it without logging in.
1. KCB All Credit can be accessed by going to the website using a PC and installing the app.
All Credit Homepage
2. On the homepage, click Free Credit Check for Nationwide under Financial Consumer Protection at the bottom.
Nationwide free credit inquiry site
3. You can check your credit information for free three times a year through the nationwide free credit inquiry. Click on View Free Credit Inquiry for Nationwide (Non-members) at the bottom.
Non-member login method
4. When logging in as a non-member, select either mobile phone authentication or credit card authentication. You can perform a credit inquiry by entering your email information and clicking the Agree to Non-Member Terms and Conditions button.
Applicable conditions:
Those eligible for credit amnesty are those who have small delinquencies of 20 million won or less and have repaid all delinquent amounts by May 31, 2024.
The total number of delinquents is 2.98 million, of which 2.59 million are eligible for credit forgiveness by repaying the delinquent amount in full.
As you know, if you restore your credit rating through credit forgiveness, you can get credit cards, new loans, and better loans.
If you still have overdue amounts remaining, please refer to the repayment period until the end of May to receive the benefits.
Conditions for credit pardon
1. Those subject to delinquency
– Delinquent from September 21 to January 24
– Registration of debt information for debts under 20 million won
2. Credit amnesty conditions
– Full repayment by May 31, 2025