Credit Counseling

The debt relief system supports individuals who struggle to repay their debts by adjusting repayment terms - such as extending repayment periods, offering installment plans, reducing interest rates, or deferring payments - so they can regain financial stability.

CCRS

Analysis of Credit and
Debt Situation

  • Review of credit ratings and credit history
  • Review of debts, credit card usage, and financial transactions
  • Counseling to improve financial structure, including analysis of loan interest rates and repayment schedules

Guide to Various Debt
Relief Options

  • Before-overdue debt management, Pre-Workout, and Individual Workout (CCRS)
  • Individual Rehabilitation and Bankruptcy

Guide to Financial
Inclusion Services

  • Refinancing high interest loans at lower rates
  • Microfinance for low income individuals or those with poor credit
  • Employment and welfare linked support programs

Issuing Credit
Counseling Report

  • Issuing Credit Counseling Reports
  • Suggestions to improve or maintain your credit standing based on credit score, income, and assets

We are partners with Korea Inclusive Finance Agency which is founded on the basis of Micro Credit Support Act.
We jointly operate Financial Inclusion Service Centers in major cities across the country and offer one-stop financial services for common people.

Financial Inclusion Service Center

At Financial Inclusion Service Centers nationwide, the Credit Counseling and Recovery Service (CCRS) and the Korea Inclusive Finance Agency (KINFA) jointly provide one-stop access to financial-inclusion support programs.

  • Credit Counseling

    We provide one-on-one counseling to assess your credit and financial situation, including income, debt level, and repayment capacity, and offer personalized guidance.

  • Debt Relief Support

    We help individuals burdened by excessive debt regain financial stability by providing suitable debt-relief options.

  • Loan Consultation

    We provide consultations on inclusive-finance loan programs offered by the Korea Inclusive Finance Agency (KINFA).

  • Employment & Welfare Referral

    In cooperation with local governments and central agencies, we connect you with job-search assistance, employment services, and public welfare benefits.