신용정보의 집중과 법적 문제

This paper aims at pointing out several problems on the current legislative system of credit registry system. The most problematic is conflict of relevant regulations, which are ‘Use and Protection of Credit Information Act’ and ‘Personal Information Protection Act’. For this reason, there is no appropriate regulation but the importance of credit information protection is increasing. This is the first part of this article. The Second part of this article is allotted to analyzing the current management system about personal credit information. Here, I consider the current credit registry organization, that type of the United States is complicated but not effective, and criticize the controversial issues related to confused management structure of credit information and excessive data collection. In the last part of this article, I tried to suggest two unsolved doubts about deficiency of current legislation and noticeable analysis report, that bring need of rethinking about our credit regulation structure. With regard to these issues, I want to emphasize that confused credit legislation produces excessive data collection and immoral organization.