The benefit of getting a loan at a lower interest rate if you have high credit is a very important part in a world where you can’t do anything without a loan. In particular, it is said that the rate of making negative bankbooks as well as credit loans of the younger generation has increased these days. We’ll find out more about it below 🙂
If you do not use a credit card and only use a debit card and have no history of delinquency, you will get a grade 3 rating.
▶ Where can I do a credit inquiry?
The cumulative number of Toss free credit inquiries has surpassed 10 million.
Since I use “Toss” as a money transfer app, I use it to check my credit rating easily. 토스 신용등급 조회
There are a lot of apps these days that allow money transfer services.
It seems that you usually check your credit rating through Kakao Bank or Toss.
▶ Is it bad to do a lot of credit rating checks?
If you check your credit rating, it can actually be bad for your credit rating.
There were a lot of rumors, but in fact, the simple steps to find out the grade are 이베이스매뉴얼
It doesn’t affect my credit rating no matter how many times I do it 🙂
▶ If you do a lot of credit checks before getting a loan, it’s not good.
A simple rating inquiry has no effect on my credit rating.
If you have too many credit inquiry history when you are applying for a loan, it may affect you.
This is because there is a part that can be a problem when reviewing over-inquiry in the case of a loan.
※Because there is no problem with the credit rating, it is not recommended to search too much (10 or more) here and there..!
▶ It is good to know the credit rating level!
Grade 1-2 credit transaction
▶ Excellent grade credit transaction performance and no delinquency
Grade 3-4 Excellent grade
▶ Credit transaction is not active, but there is no delinquency.
Grade 5-6 General Grade
▶ Have used cash advance, have a history of delinquency
Level 7-8 Caution Level
▶ Many transactions with lending companies (credit card issuance becomes difficult after grade 7)
Grade 9-10 Hazard Grade
▶ In case of non-payment due to delinquency in a state of bad credit due to a very dangerous grade
▶ Can you get 3rd grade without overdue?
Even if you don’t have a history of delinquency, if you get a grade 3, it’s probably because you don’t use a credit card!
If your credit card transaction performance is good and there is no overdue, you will get a grade 1 or grade 2.
※ Currently, grades 1 to 10 are maintained in stages, but this year (2020) the system will be reorganized to a point system. It is said that it can be checked as it is divided into scores from 1 to 1,000 points.
There are so many ways to send money these days. In the past, you had to go to the bank, but now you can do it easily with a few touches of your smartphone.
Even if it is not the bank application I use on my smartphone, there are various applications that can send money. Do you have more cabin, toss, cacao money, etc.?
Among them, I often use the Toss app because the remittance function is easy. You can also check your credit rating, so I’ll write about how to check the Toss credit rating and what you need to be careful about.
If you do not have the app installed on your smartphone, you must first install the app and run it after signing up for it to proceed according to my instructions.
Since the main content of this post is not how to sign up for the Toss app, I will not write about that part.
If you run the Toss app, you will see the following screen at the top.
Above, there is a window where you can see your credit score where your name is right below it.
What is my credit score? Please click here.
You will then see a notification at the bottom of the screen asking you to verify your fingerprint. Of course, there may be people who authenticate biometric information in other ways.
Some of you may have set the password to be entered immediately. If biometric information is not properly authenticated, you must enter a password.
So, you must remember your password. Haha These days, there are times when my fingerprint recognition doesn’t work well. In that case, touch Password Verification.
Toss’s password is a total of 5 characters. It consists of 4 numbers + 1 letter of the alphabet.
If you enter it correctly, you will go directly to the next screen.
As shown in the picture above, your credit rating and score are immediately viewed.
As far as I know it won’t be 100% accurate. I think it would be good to use it as a reference only to the end.
And then slide the screen down to the bottom of the screen.
Then you have a list that tells you if the value of the card you used in the last month has increased or decreased. I have increased
Please touch it.
The numbers make it clear how much you’ve spent on your cards over the past month.
Scroll down the screen further.
All the cards I’m using are listed. Also, it is convenient to know how much each card has been used.
I think I’ll have to refrain from spending this month. Haha I’ll tell you how to check Toss’s credit rating until here.
I’ll just tell you a few things to keep in mind.
1. Please consider that the Toss credit rating inquiry is not 100% accurate, and only for reference.
2. It’s okay to check your credit score, but it’s not a good idea to check your loan frequently.
Loan provisional inquiry means clicking a loan product, entering my information, and requesting an inquiry.
It’s not good, so I think it’s better to refrain.
I hope this was helpful, and I will end this post on how to check Toss’s credit rating and precautions.
There are several sites that come to mind when you think of credit rating checks. Among them, the two most familiar and familiar are the NICE rating information Nice Jerk Me and All Credits. They both provide credit rating information for free. However, in order to check such a huge credit rating in Korea, the best country where you have to check with a PC and place the security responsibility on the individual, it is not one or two things that are troublesome to install various security programs (cumbersome) and log in with a public certificate in Active Ax.
In this article, I will show you how to check your credit rating. In Toss, you can check your credit rating without limiting the number of times from that point on by simply registering your fingerprint after verifying your identity. I also switched to Toss after using all credits a while ago. Start looking at your Toss credit rating below.
To check the credit rating of Toss, after installing and running Toss, all user authentication must be completed. In the case of toss, all menus are located at the bottom. Tap the ‘Credit Management’ menu indicated by the down arrow.
toss main screen
The number of users whose credit rating has increased is shown below. Tap the ‘Get Free Credit’ button where the arrow is pointing to go to the next screen.
Free credit inquiry button tap
Tos credit rating inquiry
If your fingerprint is registered, you can check your credit rating immediately after fingerprint authentication as shown below.
You can check everything from last month’s card payment to loan principal, overdue principal, and guarantee principal at a glance. If you know that your computer slows down when you install a security program, you will no longer use a PC to check your credit rating. Simply check your Toss credit rating for free every day without limiting the number of times just by fingerprint authentication.