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If you become delinquent, your credit rating will drop from 8 to 10.
Delinquents are largely divided into two categories: short-term delinquents who are delinquent for a short period of time (less than 90 days) and long-term delinquent delinquents who are delinquent for more than 90 days.
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If you fail to pay your cell phone or credit card bill for a short period of time, your credit report may not show a delinquent record.
The credit rating would not have reached the worst level, around 8. Then, of course, you can get a loan from the financial sector.
As mentioned above, whether you have short-term or long-term delinquency, you only need to check whether the delinquency record is shared to see if you can get a loan from the institutional system.
Therefore, if you have no record of delinquency and your credit rating is good, you can secure funds through a loan for the unemployed regardless of your income. If you are an office worker, you can get more loans because there are a variety of products.
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“If your delinquency increases and you become a long-term delinquent with a credit rating of 10, you will not be able to receive a loan from any bank, including savings banks.”
In any case, you will need to pay for the work or a loan company.
Work loans are illegal, so if you are an office worker with income, you can borrow money without much trouble. If you are unemployed and have delinquent payments, there is almost no loan limit and many places are reluctant to lend you a loan.
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Finding a loan company is simple. You use a site that collects information about loan sharks. If you go to the site, you will see that even if you are delinquent, you can easily borrow money to the extent that you can get a loan on the same day. When I look at the purchase reviews, I see only good things about it, so much so that I’m even surprised.
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If you want to use a loan company for long-term delinquency, you don’t have time to take care of everything. Many companies are taking advantage of this and committing fraud.
Some companies charge interest rates that are beyond imagination. This means that if you borrow 1 million won at the legal highest interest rate of 24% per annum, the interest for one year is 240,000 won and the interest for one month is 20,000 won.
However, people who fall victim to loan fraud sometimes borrow with interest as high as 5,000%, so you need to check carefully before proceeding.
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