How to check overdue record inquiry and deletion period (short-term, long-term, communication)
We have summarized how to view overdue records and check the deletion period. There are times when you accidentally become overdue. If it is a short period of time, there may not be a big problem.
Check the details of how to view overdue records (short-term, long-term, communication) and delete overdue records in the article below.
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How to look up overdue records
Overdue records can be viewed free of charge on the websites of KCB and NICE credit rating agencies.
If you have a delinquency record, it may affect your credit rating. Even if all the overdue amount is repaid, the overdue record is not deleted until the specified period, so financial institutions conduct credit evaluations based on these.
Since the overdue record is maintained for 1 to 5 years from the time the overdue repayment is completed, it is recommended to check the overdue record as soon as possible and repay the entire overdue amount.
All Credit (KCB Korea Credit View)
After accessing the All Credit homepage, you can proceed with a delinquency record inquiry at the free national credit inquiry at the bottom. However, free inquiry is possible only 3 times.
All Credit Homepage
NICE Jikimi (NICE evaluation information)
After accessing the NICE Jikimi homepage, click the National Free Credit Inquiry at the top to view your credit for free. However, there is a limit on the number of times of use in the case of free use, and there is no limit in the case of paid members.
NICE Jikimi Homepage
Delete overdue record
Overdue records are deleted after remaining for a certain period of time. To explain it more easily, you can think of it as not deleting overdue records, but overdue records that have passed a certain period of time in the financial sector are no longer referenced.
Long-term short-term delinquency records deletion period
Overdue amount Overdue period Deleted period
More than 100,000 won, less than 300,000 won within 30 days 1 year
Over 300,000 won Within 30 days 3 years
300,000 won or more within 90 days 5 years
If overdue for more than 30 days, your credit score will decrease, and it will be used for credit evaluation for up to 3 years from the date of repayment. If the overdue record is not deleted by 30 days, it is called short-term overdue.
Long-term overdue records are registered with the Korea Credit Information Service, but in October 21, the government supported credit recovery by deleting some overdue records.
You can check the results on the Credit For You website of the Korea Credit Information Service.
Personal credit information viewing service
How to delete overdue record of Seoul Guarantee Insurance
It is said that most of the overdue records of Seoul Guarantee Insurance are overdue device prices due to the opening of mobile phone installments. If communication fee is overdue and device value is overdue, measures to stop reception and outgoing maintenance will be taken, which may result in termination of authority.
As you are registered as a long-term delinquent with the telecommunications company, all overdue records related to your cell phone will be transferred to Seoul Guarantee Insurance.
In order to delete the communication overdue record, you must pay all the overdue amount.
Seoul Guarantee Insurance overdue record phone number is available at 1670-7000 for detailed information.
Communication class inquiry
We have organized how to check the overdue record inquiry and deletion period. Please see this article as a reference, and for more information, please refer to each website.