Today, previously, along with corporate credit management, the most important
To raise the representative’s personal credit score rating inquiry
Would you like to explain how to do this based on the KCB rating management standards?
do.
(This applies even to general loans that are not for personal business purposes.
Please refer to it as applicable.) 통신등급 조회
1. How to increase in a short period of time (KCB all-credit site) 이베이스매뉴얼
● K-SCORE information registration (submit ID card, application form included)
– Submit payment statement (up to 50 points or more)
: Income amount proof, health insurance premium, national pension
– Various taxes, communication charges (6 months), utility charges (6 months)
Submit payment statement (3~5 points increase)
● Credit study problem solving: 4 points increase when you solve 4 problems
● Survey participation (possible once a year): 10 points higher
● Participation in the all-credit experience group
2. Regular credit rating management
● Loan repayment: from old loans to loans with high interest rates
redemption first
● Loan order: 1 finance → 1.5 finance → 2 finance
→ 3 Finance (loan business)
※ It is recommended to use government-supported loans whenever possible.
(Sunsalon Loan, New Hope Spore, etc.) If you are repaying well for more than 6 months
good.
● Never use card loans and cash advances.
(It is the main culprit of credit deterioration.)
● Prohibition of delinquency even in small amounts (records reflected for 3-5 years)
● Concentrate on one main bank
Actively sign up for deposit and savings products with the main bank
● Establishing card usage habits
– Credit card (high score reflection) VS check card (score)
Insufficient reflection.)
– Use 10-20% within the credit card limit: credit card
increase the limit to the maximum
※ Example: Use of 500,000 won from the limit of 1 million won → 50%
Use of 500,000 won from the limit of 5 million won → 10%
The second is definitely better, right?
– Use only one credit card (easy to manage the amount used)
– One-time payment is good: installment is evaluated as debt
– Do not have to pay in advance → Why do you pay in advance?
You want to increase your monthly payment limit.
(However, it does not matter if it is not for the purpose of increasing the payment limit.)
– Spend 10,000 won or more on a debit card every month
(Cultivate the habit of using it at the beginning of each month.)
● Consistent consumption habits → Score decreases as average consumption increases
● Check your score every month
KCB score inquiry such as Kakao Bank and Toss is free
NICE score inquiry is free on Naver Pay, etc.
Financial sector credit rating score sheet for 2021
credit rating
NICE
(My Credit)
KCB
(all credits)
Grade 1
900 to 1000 points
942 to 1000 points
2nd grade
870 to 899 points
891 to 941 points
3rd grade
840 to 869 points
832 to 890 points
4th grade
805 to 839 points
768 to 831 points
5th grade
750 to 804 points
698 to 767 points
6th grade
665 to 749 points
630 to 697 points
7th grade
600 to 664 points
530 to 629 points
8th grade
515 to 599 points
454 to 529 points
9th grade
445 to 514 points
335 to 453 points
10th grade
0 to 444 points
0 to 334 points
NICE and KCB standard credit rating table once
I have listed it.
Because we are dealing with KCB today, cabin or
Substitute based on the score inquired on the toss
You can compare them all with the diagram above.
– Credit score rating level for each section
· 500 points: Of course, it is grades 7-8.
That’s why it’s almost impossible to get a loan.
600 points: 6-7 grades, so it’s almost impossible
Must see.
(There are products with low credit ratings, but this is a special case.)
· 700 points: 4-5 grades, easy to borrow
not the situation. For reference, the 5th grade is exactly in the middle.
In the case of NICE, the credit score starts from 750.
I can do it.
· 800 points: 2 to 4 grades, usually here
It seems to be widely distributed. loanable
It might be the time.
· Above 900 points: Grades 1 and 2, separately
I don’t think it needs to be mentioned. of course prefer
would give
Did you see it? Credit score rating and KCB
Score lookup and score increase and long-term management through
We looked all over how.
You have to manage both KCB and NICE.
So I hope you have a nice day today.
thank you
According to the existing credit rating system, the difference between the 6th and 7th grades is not large, but there are disadvantages in credit card issuance and loans.
The credit score system was reorganized from this year to improve the problems of uniform loan rejection according to credit rating confirmation and difficulties in financial access to low-credit financial consumers.
With the introduction of the credit scoring system after 2021, credit rating agencies do not set credit ratings, but only calculate personal credit ratings and provide them to financial consumers and financial companies.
As the credit score system is subdivided from 1 to 1000, the ‘threshold effect’ of not getting a loan due to a slight difference in credit rating is expected to decrease.
Today, I will look at what my credit score is according to the existing credit rating score sheet, the conditions for issuing a credit card, and how to raise the credit rating.
What is the credit scoring system?
The credit score is a system that gives a score from 1 to 1000 points when evaluating an individual’s credit.
Previously, credit cards could not be issued if the credit rating (CB) company divided individuals into grades 1 to 10, and grade 7 was the case.
However, by reorganizing the credit score system, the credit rating was evaluated for each score subdivided by one point to minimize the disadvantage caused by a low credit rating with a slight difference.
According to the Financial Services Commission, it is analyzed that 2.5 million financial consumers will be able to obtain an interest rate reduction effect of 1% per year due to the reorganization of the credit rating system.
Credit Rating Scorecard
The credit rating score table differs according to the credit rating agency Nice Rating Information and All Credits.
Toss, Kakao Bank, Kakao Pay, Bank Salad, Faker, etc. that we generally use are set on an all-credit basis.
The credit card issuance condition is 6 or higher in the existing credit rating score sheet, and a Nice 680 or higher score or 576 or higher all credit score after conversion to the credit scoring system.
You must be in the top 93% of your personal credit score or less than 0.65% of the probability of long-term delinquency.
How to check your credit rating
You can check your credit score simply by accessing the AllCredit website and in ‘My Credit Score’.
raise your credit rating
As the credit rating verification system was reorganized into credit scores, the field of credit rating evaluation became more diversified and the standard for delinquency delinquency was relaxed.
After the reorganization, the detailed information has been expanded to include non-financial information such as utility bills, insurance premiums, and telecommunication costs, so even those who do not do a lot of financial transactions can get a first-class credit score.
In addition, the delinquency history has been shortened from 3 years to 1 year, and it can be an opportunity to increase the score for consumers who mainly use debit cards.
This method of raising the credit score score is very helpful in improving your credit score if you receive a debit card and make regular transactions with your main bank, avoid using cash services, and pay utility bills such as telecommunication charges without arrears.
Today, we looked at how to check the new credit score on the existing credit score score sheet and tips on how to raise your credit rating.
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