Abstract: An apparatus for providing credit assessment information includes an information collection unit collecting communication information of a user having a record of communication bill non-payments, a first assessment unit assessing whether the user falls within a delinquent type using first assessment factors and a second assessment unit assessing whether to fall within a user type of a high probability of voluntary payment using second assessment factors. The apparatus also includes a third assessment unit assessing whether to fall within a type of user who has resolved the communication bill non-payments in a short period of time using third assessment factors, a fourth assessment unit assessing whether an attitude of the user falls within a positive attitude or a negative attitude using fourth assessment factors and a credit rating assessment unit assessing a credit rating of the user based on the non-payment type assessment model.