How to delete overdue records.
If interest or payment is not made on a set date, a delinquent record will be recorded.
If you want to check these overdue records, you can do a credit information inquiry at a place such as Nice Jikimi.
However, even if you have paid the overdue amount, you can see that the record remains in the credit information inquiry.
Depending on the amount of delinquency and whether the delinquency date is long-term or short-term, a delinquency record is kept for a certain period of time.
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How to delete overdue records 좋은뉴스
The only way to delete overdue records is to pay the overdue amount and wait.
Overdue records of less than 100,000 won will not remain after payment.
However, other overdue records are reflected in the credit rating.
Overdue period Record retention period
Short-term delinquency More than 5 business days and less than 90 days 3 years
Long-term delinquency 90 days or more 5 years
If the amount of over 100,000 won is overdue for more than 5 days, it remains as a short-term delinquency record for 3 years and is reflected in the credit evaluation.
If you are overdue for more than 90 days, it will be reflected in your credit rating for 5 years as a record of long-term delinquency
In addition, a record of delinquency may remain even if short-term delinquency occurs twice or more.
In this regard, it is recommended to check the delinquency records that you do not know by regularly inquiring the free credit information for all citizens.
The overdue record retention period is the period from the payment of the overdue amount, so it is better to pay off the old overdue first if possible.
When reviewing products in the financial sector, check overdue records and be aware that if the records remain, you may be penalized.
Until now, this was the method of deleting overdue records.