As you go through life, there will naturally be cases where you cannot pay taxes, fines, interest on loans, etc. on the set payment date. It seems too many.
Disadvantages due to overdue records
There are a lot of people who think that it will be fine for a few days or weeks or even a month after being overdue. Since there is a high chance of realizing it, we recommend that you take this opportunity to correctly recognize it.
Less than 100,000 won = Credit score and public institution registration are at a level where there is no problem at all. 연체기록
Over 100,000 won + 5 business days overdue = 1 overdue credit score is fine, but information is shared with the financial sector. 좋은뉴스
More than 100,000 won + 5 business days delinquency = 2 delinquency cases are due to a drop in credit score and ‘3 years’ remaining even after full payment, so it is better to reduce the number of cases as much as possible It’s possible.
More than 300,000 won + 30 business days overdue = If there is even one overdue case, the credit score will be lowered, and it will remain on the record for one year after payment in full.
1 million won or more + 90 business days or more = If there is even one delinquency, the credit score is lowered, and even after full payment, it is recorded for a long time of ‘5 years’, so the amount in the unit of 1 million won and about 3 months We recommend that you solve it within
If more than 5 million won or 3 times a year (national tax, local tax, fine for negligence, etc.) There is a number of deadlines called ‘burns’, so I think it will be helpful to keep this in mind.
If you would like to check whether you have bad credit, you can refer to this post, ‘How to check if you have bad credit’, as detailed instructions on how to ‘verify’ are explained in this post.
How to check if you are overdue
2 overdue record check sites
I am curious as to whether a ‘record’ is left in the case of ‘overdue’ and full payment of the amount owed. Since you may be curious and afraid about whether or not a ‘record’ is left, I will explain how to ‘check’ overdue records in detail.
There are two representative sites ( Nice Keeper , All Credits ) where you can most definitely check the ‘overdue’ record. Since each is free 3 times a year (quarterly), you can click ‘Membership’ on the two homepages. In addition, it is recommended that you sign up for an ‘i-PIN (such as a resident registration number on the Internet)’ for the ‘personal authentication’ process.
Nice Keeper
If you visit the official website of Nice Keeper and scroll down a bit, you will see the ‘Free Credit Inquiry for All Nationals’ section. If you click on it, you will see ‘Inquiry’ in a blue window at the midpoint. If you click on it, you will go through the ‘login’ process in earnest, go through the ‘step 1 and 2’ identity verification (i-PIN subscription recommended), and then click ‘Confirm’. It becomes possible.
1. ‘Nice Keeper’s official website. kr’, scroll down a bit, and click on ‘Free credit inquiry for all citizens’.
2. After clicking the ‘Inquiry’ section on the blue window at the midpoint, first ‘Login’ and then ‘Steps 1 and 2’ to verify your identity.
3. Personally, Nice Keeper, All Credits 3 times a year (once quarterly) A total of 6 free checks are available, so it is recommended that you create an ‘i-Pin’ for consistent use.
all credits
When you visit the All Credit official website, there is a ‘Free Credit Inquiry for All Citizens’ section in the lower right corner. After clicking on it, proceed with ‘login’ and, unlike Nice Keeper, you will be able to view it once you have authenticated yourself.
1. ‘All Credits official website. kr’ and check the bottom right corner, there is a section called ‘Free credit inquiry for all citizens’.
2. First, after ‘login’, you have to ‘authenticate’ in earnest. Here, you only need to go through one step in the self-authentication process rather than Nice Keeper, which is convenient in accessibility.
3. If you have an ‘i-PIN’ in the ‘Identification Verification’ section, whether you are a Nice Keeper or All Credits, we recommend that you register as a member because you can access it officially quickly.
If you have become ‘bad credit’
If I became ‘bad credit’, I think the delinquency would have been going on for a long time because I couldn’t afford my debt. We recommend that you check the workout and rehabilitation system that suits your situation.
If you endure a lot of time alone, even though there is a point where ‘experts’ can solve the situation more quickly, it can lead to a situation that cannot be solved by delaying the situation, so ‘timing’ is important in this part as well. I think it does.
The scary and insecure reason is that it happens because you don’t know exactly how to deal with it. We recommend that you proceed with the installment payment as much as possible.