Since ‘mobile phones’ have become widespread now, the era has come when everyone is using them, and in addition to enjoying the convenience of everyday life with ‘smartphones’, telecommunication companies have also grown into ‘large companies’, so there has been a lot of systemicity. Let’s see what happens if you overdue the fee.
What if my phone bill is overdue?
Basically, after using a ‘mobile phone’, there is a ‘promise’ that you have to pay a ‘charge’ according to the use. ‘ It is common to disable functions little by little in that order.
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Penalties for overdue cell phone bills
After making ‘non-payment (overdue)’, in addition to the above-mentioned ‘Stop calling, stop receiving, and cancel ex officio’, a surcharge of 2% of ‘overdue charge’ is generated. 좋은뉴스
After 4~5 months, the collection of unpaid amount is transferred to the ‘credit information company’ and processed.
As the ‘credit rating’ moves from the ‘credit score’ to the ‘credit score’, the part of the mobile phone bill payment is also reflected in the ‘credit score’. This is reflected as public information and until then, ‘credit score’ and financial institution information registration are not affected.
In case of non-payment of mobile phone bill (arrears), an additional charge of 2% arrears will be applied.
In the final ‘ex officio cancellation’ stage, it is transferred to a ‘credit information company’, and overdue records are registered as public information in the process of ‘confiscation procedure’, which affects credit score.
If you go to foreclosure, your credit score will drop and your overdue information will be shared with credit rating agencies or financial companies, limiting your loan until it is deleted, and your financial activities may be suspended.
As for the loan limit, it is at least 1 year to a maximum of 5 years, so it is better not to go to foreclosure if possible.
If you pay the repayment amount for at least 12 months or up to 24 months without arrears every month if you proceed through debt reconciliation, it is possible to delete overdue information early. You can borrow up to $150,000.
Raise your mobile phone bill ‘credit score’
With the change from ‘credit rating’ to ‘credit score’, more detailed information about the parts that can affect your credit have been added. We recommend that you use it.
If you have a record of paying mobile phone bills for more than 6 months with your main account, visit the same website as ‘Nice Keeper, All Credit’ related to credit information based on this record and attach the records that reflect ‘non-financial information’. It will be reflected in your credit score and you will be able to raise your score.
With the change from ‘credit rating’ to ‘credit score’, it is now possible to raise ‘credit score’ based on ‘non-financial information’.
For more information, please refer to this post ‘Non-financial information credit score impact’ I think it will be helpful.