diff --git a/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerCloseWithin31Checker.java b/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerCloseWithin31Checker.java
index 930632a..dc87a23 100644
--- a/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerCloseWithin31Checker.java
+++ b/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerCloseWithin31Checker.java
@@ -116,6 +116,7 @@ public class OwnerCloseWithin31Checker extends AbstractComparisonChecker {
 
             NewLedgerResponse.Record targetRecord = null;
             LocalDate vldPrdExpryDate = DateUtil.parseDate(vldPrdExpryYmd);
+            LocalDate vldPrdExpryDateMinus90 = vldPrdExpryDate.minusDays(90);
             LocalDate inspEndDate = DateUtil.parseDate(inspEndYmd);
             LocalDate latestChgDate = null;
 
@@ -133,9 +134,9 @@ public class OwnerCloseWithin31Checker extends AbstractComparisonChecker {
                     continue;
                 }
 
-                // 조건: 유효기간만료일 <= CHG_YMD <= 검사종료일자
-                if ((chgDate.isEqual(vldPrdExpryDate) || chgDate.isAfter(vldPrdExpryDate)) &&
-                        (chgDate.isEqual(inspEndDate) || chgDate.isBefore(inspEndDate))) {
+                // 조건: 유효기간만료일-90일 <= CHG_YMD <= 검사종료일자
+                  if ((chgDate.isEqual(vldPrdExpryDateMinus90) || chgDate.isAfter(vldPrdExpryDateMinus90)) &&
+                          (chgDate.isEqual(inspEndDate) || chgDate.isBefore(inspEndDate))) {
 
                     // 가장 최근 일자 선택
                     if (latestChgDate == null || chgDate.isAfter(latestChgDate)) {
diff --git a/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerLevyOver31Checker.java b/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerLevyOver31Checker.java
index 3790325..cacc0e7 100644
--- a/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerLevyOver31Checker.java
+++ b/src/main/java/go/kr/project/carInspectionPenalty/registration/service/impl/delay_checker/OwnerLevyOver31Checker.java
@@ -116,6 +116,7 @@ public class OwnerLevyOver31Checker extends AbstractComparisonChecker {
 
             NewLedgerResponse.Record targetRecord = null;
             LocalDate vldPrdExpryDate = DateUtil.parseDate(vldPrdExpryYmd);
+            LocalDate vldPrdExpryDateMinus90 = vldPrdExpryDate.minusDays(90);
             LocalDate inspEndDate = DateUtil.parseDate(inspEndYmd);
             LocalDate latestChgDate = null;
 
@@ -133,9 +134,9 @@ public class OwnerLevyOver31Checker extends AbstractComparisonChecker {
                     continue;
                 }
 
-                // 조건: 유효기간만료일 <= CHG_YMD <= 검사종료일자
-                if ((chgDate.isEqual(vldPrdExpryDate) || chgDate.isAfter(vldPrdExpryDate)) &&
-                        (chgDate.isEqual(inspEndDate) || chgDate.isBefore(inspEndDate))) {
+                // 조건: 유효기간만료일-90일 <= CHG_YMD <= 검사종료일자
+                  if ((chgDate.isEqual(vldPrdExpryDateMinus90) || chgDate.isAfter(vldPrdExpryDateMinus90)) &&
+                          (chgDate.isEqual(inspEndDate) || chgDate.isBefore(inspEndDate))) {
 
                     // 가장 최근 일자 선택
                     if (latestChgDate == null || chgDate.isAfter(latestChgDate)) {