How to check your credit inquiry history at a glance
1. What is credit inquiry history?
Credit inquiry history is information that records who inquired your credit information, when, and for what reason. Just like checking your card usage history, you can see who has looked into your economic activity records. 신용정보 조회 이력
2. Why should I check my credit history?
Personal information protection: You can check whether your credit information has been viewed without your consent.
Fraud Prevention: Prevent credit theft and respond quickly.
Credit Management: You can understand and improve your credit situation.
3. How to check credit inquiry history 이베이스매뉴얼
3.1. Visit to a financial institution
Visit the branch of your bank or financial institution
Present ID
Apply for issuance of credit inquiry history
Payment of issuance fee (approximately 1,000 won)
3.2. online inquiry
Use public certificate or simple authentication
Access the Financial Supervisory Service’s electronic civil service website
Select the ‘View your credit information’ menu
Check credit inquiry history
3.3. Use a credit inquiry company
Access the website of credit inquiry companies such as NICE Rating Information and Korea Credit Information Service
Proceed with membership registration and identity verification process
Check credit inquiry history (fee incurred)
4. Interpretation of credit inquiry history
4.1. inquiry purpose
Individual: Check your credit situation, apply for a loan, etc.
Financial institutions: loan screening, credit card issuance screening, etc.
Others: telecommunication companies, leasing companies, etc.
4.2. inquiry agency
Financial institutions, credit reference companies, and other institutions
4.3. Date of inquiry
Date and time of inquiry
5. Precautions
Free inquiry once every 4 months (Financial Supervisory Service electronic civil service)
A fee will be charged for additional inquiries within 4 months
If your credit information has been searched without your consent, you can report it.
Credit information inquiry history is kept for 3 years
6. Additional information
7. Tips
It is a good idea to check your credit history on a regular basis to check for any abnormalities.
If your credit information has been checked without your consent, you must immediately report it to a credit inquiry company or the Financial Supervisory Service.
Information on credit information management can be found on the Financial Supervisory Service’s Fine site.
8. Related terms
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
9. Cartoon
Express content related to your credit inquiry history through cartoons.
10. Discussion
Discuss the importance of credit information with your family.
What can we do to prevent credit information theft?