Credit Information System

In accordance with Article 31 of the Credit Information Utilization and Protection Act (abbreviated as the "Credit Information Act"), we disclose the following credit information utilization system managed by our company.

Type of credit information managed and purpose of use

  • 1.Type of credit information
    Among the following information, information available at our company pursuant to the provisions of other laws, such as the Credit Information Act and the Financial Holding Company Act
  • Identification information
    Personal name and resident registration number (foreigner registration number, overseas resident registration number, foreign resident registration number, or foreign resident registration number if there is no domestic resident registration number), trade name of individual enterprises and corporations, business entity registration number, representative name, etc
  • Credit transaction information
  • (1)Personal credit transaction information
    Current status of loans, debt guarantees and credit card cash services, credit card issuance and termination, overdue information, subrogation payment and payment information, bill check default information, etc
  • (2)Corporate credit transaction information
    Credit card issuance and termination, overdue information, subrogation payment information, bill check default information, loan payment guarantee, credit offering status, etc
  • (3)Financial Order Disturbance Information
    Facts that have disrupted the financial transaction order, such as taking out loans by fraudulent means, etc
  • (4)Credit capability information
    General information such as the company's overview, business details, etc., financial status, financial ratio, etc., non-financial matters such as auditor's opinion and tax payment performance, etc
  • (5)Public record information
    National taxes, local taxes, tariffs, fines, arrears of employment property insurance premiums, the fact that they are registered as defaulters by court ruling, clients in progress of personal rehabilitation procedures, clients with credit recovery support, clients who have received immunity due to bankruptcy, etc
  • 2.Purpose of Use
  • Internal management management
  • Determination of establishment and maintenance of commercial transactions, such as financial transactions, applied by the relevant credit information subject
  • Other cases prescribed by the Act on the Use and Protection of Credit Information and other Acts

Purpose of use of the person to be provided and the type of credit information to be provided

  • 1.Person to be provided
    Credit information concentration agencies, credit information companies, public institutions requiring submission under the Credit Information Act and other laws, etc
  • Credit information concentration agencies: Korea Credit Information Service, Korea Federation of Banks, Korea Financial Investment Association, Credit Specialized Financial Business Association, etc
  • Credit information companies: Korea Credit Information Co., Ltd., Korea Credit Information Co., Ltd., Korea Credit Bureau Co., Ltd., etc
  • 2.Purpose of use by the recipient
  • Concentration, collection, storage, and provision of credit information to financial institutions
  • Contents prescribed by the Credit Information Act and other Acts
  • 3.Types of credit information provided
  • Information that may be provided under the provisions of other laws, such as the Act on the Use and Protection of Credit Information among Identification Information, Credit Transaction Information, Financial Order Information, and the Financial Holding Company Act

Period of retention and use, procedures and methods for destroying credit information

  • 1.Period of retention and use of credit information
  • Retention and use of the period that can be held under other laws, such as the Credit Information Act and the Financial Holding Company Act, until the consent to provide customer information is withdrawn or the suspension of the provision is requested
  • 2.Procedures and methods for destroying credit information
  • It is handled in accordance with the Credit Information Act, other laws, relevant regulations, and our document management regulations.

Details of the entrustment of credit information processing and the trustee (not applicable)

Rights and methods of exercise of the subject of credit information

  • 1.Right to claim the provision and access of personal credit information
  • The credit information entity may request the provision or access of personal information held by displaying a certificate indicating its identity.
  • 2.Right to claim correction of personal credit information
  • The credit information entity may request correction from the credit information company, etc. if its credit information is different from the facts.
  • 3.Right to request notification of credit information provision
  • The credit information entity may request to notify the details of the provision of credit information regarding the principal over the past year (except where it is used for internal management purposes or provided for repeated business entrustment)
  • 4.Right to withdraw consent to provide and use personal credit information
  • The credit information entity may withdraw its consent to provide personal credit information through wired and wireless communication, written communication, etc. if it has agreed to provide it for purposes other than the purpose of evaluating its creditworthiness, etc.
  • a custodian of credit information
  • Protection Officer : CEO
  • Phone number : 02-6264-2843