Korea Credit Information

What Korea Credit Information does

Korea Credit Information (고려신용정보 주식회사) is a privately held South Korean financial services company founded in 1992, headquartered in Seocho-gu, Seoul, with between 251 and 500 employees. The firm operates a six-line service platform focused on debt recovery and credit information: (1) 채권추심 — debt collection across civil, commercial, financial, and telecommunications claims; (2) CRM 센터 — customer service monitoring, call center operations, and quality control; (3) 수납센터 — payment notification, delinquency management, and early-stage delay notification; (4) 신용조사 — credit investigation of delinquent debtors and damages-compensation claimants; (5) 금융서비스/자산관리 — civil petition handling, rights confirmation, asset valuation, and asset consulting; and (6) 해외채권 자문관리 — overseas debt advisory and export-receivables collection management. Each line is operated as a discrete product category on the firm's public website (koreaci.co.kr).

The company's go-to-market is sales-led and field-driven, anchored by a nationwide branch network of more than 42 offices covering Seoul (12+ sub-branches across Seocho, Gangnam, Jongno, Songpa, Gangbuk, Gangdong, Yeongdeungpo, and Mapo regions), Daejeon/Chungcheong, Gwangju/Jeolla, Gyeonggi/Incheon, Busan/Ulsan/Daegu/Gyeongsang, and Gangwon/Jeju. Customer acquisition combines a 1522-3333 phone consultation hotline, online consultation request forms (with separate flows for direct clients and related companies), and branch-level field sales. Target segments span horizontally from large corporations and mid-sized enterprises through corporate business owners, individual business owners, and individual consumers. The firm also operates a "Connectors" (커넥터스) program to onboard individual collectors/agents into its delivery network.

Revenue mechanics are mix-based and not publicly disclosed: debt collection operates on a transaction-fee (successful recovery) model, while credit investigation, CRM/collection center operations, asset management, and overseas debt advisory are professional-services engagements priced by quote depending on debt type, amount, and complexity. Pricing is not standardized across public channels. No technology platform, AI/ML capability, or patent portfolio is disclosed in the available source material, and the firm reports no audited financials despite maintaining a public-facing investor information section (재무정보, IR 자료실) that is uncharacteristic of a closely held private operator. Korea Credit Information also maintains affiliate relationships with related-company entities Koryo Humans (human resources services) and Happiness Dream Finance (lending services), forming an adjacent financial-services ecosystem.

Name

Korea Credit Information

Legal name

고려신용정보 주식회사

Website

https://koryoinfo.co.kr

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Korea Credit Information is a Seoul-based, privately held debt recovery and credit information services firm founded in 1992, operating a 42+ branch nationwide network in South Korea and serving large corporates, mid-market firms, SMEs, and individuals with debt collection, credit investigation, CRM, and asset management services.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Information Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Debt collection services
• Credit investigation
• Credit information bureau
• Receivables management
• Asset management consulting

Headquarters

HQ city

Seocho

HQ country

South Korea

HQ region

Asia

Offices44 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Debt Collection Services (채권추심): Professional debt collection services for civil/commercial/financial/telecom debt. The company handles debt collection on behalf of creditors, charging fees for successful recovery.
2. Credit Investigation (신용조사): Credit information investigation services for debtors and damage compensation cases.
3. CRM and Collection Center Services: CS monitoring, call center operations, quality control services, debt notification, and delinquency management services.
4. Financial Services and Asset Management: Civil complaint handling, rights confirmation, asset evaluation, and asset consulting services.
5. Overseas Debt Advisory Management: Advisory and management services for overseas debt collection, particularly for export receivables.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Korea Credit Information provides professional debt collection and credit information services in South Korea across six business lines: civil/commercial/financial/telecom debt collection (채권추심), CRM center operations (CS monitoring, call center, quality control), collection center services (delinquency notification, early-stage delay management), credit investigation for debtors and damage compensation, financial services and asset management (civil petition handling, rights confirmation, asset valuation, consulting), and overseas debt advisory management for export receivables. Services are delivered through a nationwide branch network of 42+ offices for corporations, mid-sized enterprises, corporate/individual business owners, and individuals.

Product overview

Korea Credit Information operates as a comprehensive credit management and debt collection services company. The company offers a multi-service platform consisting of six integrated core business areas: Debt Collection (채권추심), CRM Center, Collection Center (수납센터), Credit Investigation (신용조사), Financial Services/Asset Management, and Overseas Debt Advisory Management. These services work together to provide end-to-end credit and debt management solutions for corporations, financial institutions, and individuals. The company positions itself as Korea's leading expert in non-performing loan management, with 34 years of accumulated expertise since founding.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Collection (채권추심) Professional debt collection service handling civil, commercial, financial, and telecommunications claims. Provides collection of overdue receivables on behalf of corporations, mid-sized enterprises, individual businesses, and individuals. Transactions may relate to goods payments, service payments, construction payments, transportation payments, or loan payments.
• CRM Center (CRM 센터) Customer relationship management center services including CS monitoring, call center operations, and quality control management. Provides outsourced customer experience and quality assurance support to corporations across Korea.
• Collection Center (수납센터) Collection center providing debt notification services, delinquency management, and early-stage delay notification. Supports creditors with payment reminder and arrears management workflows.
• Credit Investigation (신용조사) Credit information investigation services targeting delinquent debtors and damages compensation cases. Provides investigative research to support creditor decision-making and damages recovery proceedings.
• Financial Services and Asset Management (금융서비스/자산관리) Financial services and asset management offerings including civil petition handling, rights confirmation, asset valuation, and asset consulting. Serves both corporate and individual clients seeking professional asset-related support.
• Overseas Debt Advisory Management (해외채권 자문관리) Advisory and management services for overseas debts, including export receivables collection and debt collection management. Supports Korean exporters seeking professional cross-border receivables recovery and advisory.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• Koryo Humans (고려휴먼스)minorOthersRelated family company providing human resources related services.
• Happiness Dream Finance (행복드림금융대부)minorOthersRelated family company in the financial services sector providing lending services.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Korea Ratings (한국신용평가): Major Korean credit rating agency and financial information provider serving institutional clients. Operates in the broader credit information category with overlap on corporate credit assessment services.
• Intrum: European-based leader in credit management and debt collection services. Comparable business model of outsourced receivables management across consumer and commercial debt, though operating across multiple European markets.
• Seoul Credit Rating & Information: A larger, established Korean credit rating agency providing corporate credit ratings and broader financial information services. Comparable as a credit information incumbent in the same regulatory ecosystem.
• Encore Capital Group: US-based multinational debt buyer and recovery specialist with operations across multiple geographies. Comparable in core debt recovery and collection services though primarily purchasing portfolios rather than contingency collections.
• Portfolio Recovery Associates (PRA Group): US-headquartered global debt recovery and purchasing company operating across multiple continents. Comparable in outsourced receivables management though portfolio purchasing model differs from contingency collections.

Direct peers

• Korea Credit Bureau (KCB): Major Korean credit bureau providing consumer credit information, scoring, and credit risk analytics. Comparable in serving similar financial institution clients with overlapping credit information and collection-adjacent services.
• NICE Credit Rating Information: One of Korea's largest credit information and debt collection specialists, offering credit reporting, scoring, and collection services to corporates and financial institutions. Directly competes with Korea Credit Information in the Korean debt collection and credit investigation market.
• Korea Enterprise Data (KED): Korean business credit information provider offering corporate credit reports, investigations, and receivables management. Overlaps with Korea Credit Information's B2B credit investigation and corporate receivables services.

Emerging players

• Credolab: Emerging fintech using alternative data and digital footprint analytics for credit risk assessment. Represents the technological direction the industry is moving toward, contrasting with Korea Credit Information's traditional branch-based model.

Others

• Dun & Bradstreet Korea: Global business credit information provider with Korean operations offering corporate credit reports and risk analytics. Adjacent player in credit information ecosystem serving similar corporate risk management use cases.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/koryo-credit-information-co-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Korea Credit Information