You have to be careful not to get involved in financial fraud one more time.

When I get a loan, I often hear that it is difficult to borrow because of the excessive credit history. Therefore, loan counselors may have to remove credit check records. Today, we will have a time to find out how to delete the credit inquiry record, how to do it, how long, and how it affects the credit rating.

Before you proceed with the loan at a bank or a loan company, you will be able to check the customer’s credit information and check the loan details and overdue records. This process is called credit inquiry. When an individual or institution inquires credit information, the inquiry record is left in the credit information system.

But sometimes you don’t want to 비대면폰테크 leave a credit check record. The representative case is when you think that the loan continues to be rejected due to excessive inquiries. Usually, you look for deleting the inquiry record because the loan keeps getting rejected.

Deletion possibility

You can delete it. The Korea Credit Information Service records and manages credit information of major financial institutions in Korea. If you want, you can delete the credit inquiry records registered with the Korea Credit Information Service at any time.

Korea Credit Information Service

The Korea Credit Information Service was established to ensure stable and integrated management of credit information that is being managed in a distributed manner. It is an institution that manages credit information inquiry records, personal loan information, overdue details of more than three months, and credit card issuance records.

Credit For You

You can delete the credit inquiry record by entering the Credit For You website operated by the Korea Credit Information Service. If you click “Your Credit Information Management Service” in the menu window, you can enter “Credit Information Service Office Delete”, and click the consent window to delete the credit lookup record for the past year.

Request to financial institution

Only you can see the credit lookup record, and you can also delete it yourself. Financial institutions and credit rating agencies can directly request the deletion of credit checks. You have to submit a draft copy of the resident registration registration issued within 3 months, an application for deletion of the inquiry record, and an ID card.

Over-checking and credit rating

Most people delete the inquiry record to raise their credit rating. In the past, over-reviewers with a lot of credit history actually had their credit ratings down. In 2011, the Financial Services Commission began comprehensive measures to strengthen the financial base of the working class, and credit inquiries no longer affect credit ratings.

The reason why loans are rejected is that most of them have low credit ratings and high expectations. Therefore, it is not true that the loan was rejected due to an overdraft. What is the reason that the loan broker said it was sorry because of the excessive inquiry? It’s because it’s annoying to tell you the detailed reason or because the customer has already decided that they can’t get a loan.
Credit checks to determine the limit of loans are usually in the form of a check. This record remains at the Korea Credit Information Service. However, only the inquiry record remains, and the institutions that are actually evaluating the credit rating (KCB, Credit Bureau, Nice Evaluation Information, etc.) do not refer to the credit inquiry record. Therefore, deleting the credit lookup record does not affect the rating because the credit rating does not decrease or increase.

Under the Act on the Use and Protection of Credit Information, the Korea Credit Information Service will have a record of one year from the date of inquiry. The credit inquiry records include the purpose, date and time of inquiry, and the type of credit information that was inquired by the financial institution that looked up the credit information. If you delete the credit lookup record, all the records for a year will be deleted.

Retention period for overdue records

Credit information retrieval records do not affect credit ratings, but overdue records are very relevant and have a significant impact on credit ratings. The Korea Credit Information Service also manages credit information inquiry records, but it also manages overdue records. If the overdue period is more than 90 days (3 months), the record remains for up to one to three years. Therefore, if you want to raise your credit rating in a hurry, you have to delete the overdue records as soon as possible by removing all overdue payments.

Today, we looked at the effect of credit inquiry record deletion, method, period, and credit rating. Some loan counselors say it’s difficult to borrow because they over-reviewed credit information, and they tell us how to delete the inquiry record. In this case, it is likely to mislead customers who are not familiar with credit information.

Because credit check records alone do not affect your credit rating, it is important to note that deleting the records does not increase your credit rating. While you’re looking for a place to get a loan, you should be careful not to get caught in financial fraud such as voice phishing.

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