신용회복위원회

"「신용UP 채무DOWN」 is an application that helps individuals struggling with debt to seek assistance from the Credit Recovery Committee. This committee was established in 2002 and operates as a public special corporation under the "Law on Support for the Financial Life of the Underprivileged." They provide support to those who are unable to repay their debts through interest rate adjustments, extended repayment periods, and debt reduction. Through the app, users can apply for the Credit Recovery Committee's debt adjustment program. Depending on the length of delinquency, there are three options available: "Pre-Workout" for those who are less than 30 days delinquent, "Interest Rate Adjustment" for those who are 31-89 days delinquent, and "Individual Workout" for those who are 90 days or more delinquent. If the app displays a blank screen upon opening, users are advised to update their Chrome browser and try again. If the issue persists, they can contact the counseling center for assistance. The Credit Recovery Committee's counseling center can be reached at 1600-5500 from 09:00 to 18:00 on weekdays. Counseling services are free of charge, and users are warned to be cautious of illegal brokers. The app also provides information on loan interest rates and repayment periods. The repayment period can range from 6 months to 5 years, and there are no additional fees or charges besides the maximum annual interest rate of 4%. For security purposes, the app requires certain access permissions. These include access to photos, media, and files for storing authentication certificates and checking for OS tampering. The app also requires access to make and manage phone calls for connecting to the Credit Recovery Committee and setting up push notifications. Additionally, the camera access permission is needed for taking photos of identification and documents. Users who already have the app installed will need to uninstall and reinstall it to adjust their access permissions. This app is recommended for devices with Android 6.0 or higher and is only available for members of the Credit Recovery Committee."