Guide to checking credit information history: difference between experts and non-experts
1. Credit information history, why is it important?
Economic activity records: records of loans, payments, delinquencies, etc.
Personal economic report card: Bank and financial institution loan screening criteria
Regular check required: check for abnormalities, protect personal information 신용정보 조회 이력
2. Expert vs. Non-Expert: Differences in Verification Methods
Category Expert Non-Expert
Method Utilizing complex systems, analyzing various information, simple authentication, apps, and chatbots
Purpose: In-depth analysis, establishment of credit management strategy, confirmation of basic information, identification of abnormalities
Time Relatively much Relatively little
Costs may apply Free or low cost 이베이스매뉴얼
3. Tips for checking credit information history for non-experts
Use of Financial Supervisory Service electronic civil service: Free once every 4 months, simple authentication possible
Smartphone app: Financial Supervisory Service Fine app, financial institution app
Chatbot: Use the Financial Supervisory Service’s Fine Chatbot
Key confirmation items: inquiry purpose, organization, date and time, frequency
Determination of abnormalities: Whether or not you applied, unknown organization, frequent inquiries
4. Precautions and additional information
Personal information protection: login information, password management
Fraud Prevention: Beware of Suspicious Texts and Emails
In case of damage from credit information theft: Report and secure evidence
5. Explanation of difficult words
Credit information: Individual economic activity records (loans, payments, delinquencies, etc.)
Credit rating: Credit level calculated based on credit information (grades 1 to 10)
Credit inquiry: The act of checking one’s credit information
Personal information protection: Prevention of unauthorized processing of personal information
Fraud: The act of obtaining property by deception.
Credit information theft: The act of using credit information without your consent.
6. Use of comics and games
Cartoon representation of credit information history related content
Create a game that matches words and descriptions related to credit information
7. Discussion
Discussion on the importance of credit information
Discussing measures to prevent credit information theft
8. Quiz
When you lend money to a friend, how do you make sure that your friend repays the money?
Why is it important to organize your credit information history?
How to organize your credit information history?
9. Data organization
Organizing related organization contact information and website addresses
10. Conclusion
Experts and non-experts differ in the method, purpose, time, and cost of checking credit information history. Non-experts can easily check using the Financial Supervisory Service’s electronic civil service, smartphone app, chatbot, etc. Check regularly to check for any abnormalities and strive to protect personal information and prevent fraud.