Tips to raise your credit score today! is scheduled to be delivered
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What is a credit score (grade)?
between 0 and 1000 points 올크레딧 무료신용조회
Credit score refers to the score evaluated by a credit rating agency (All Credit, Nice). In the case of credit transactions, it is calculated considering the presence or absence of arrears and the period, and in the past, a rating system of grades 1 to 10 was implemented. Each credit rating agency has different standards, so scores may be slightly different, but they are generally the same. 이베이스매뉴얼
In the past, it was graded and provided as data, but there were people who were at a slight disadvantage, so it was changed to a point system and a more precise personal credit rating evaluation model is being used.
Why do I need to raise my credit score?
Why is it normal?
The credit score is the [financial business card] at the time of credit transaction.
Beginners will not know.
That trembling when applying for a loan at the bank.
How frustrating it is if you don’t get the amount you want when you need big funds, such as buying real estate or buying a vehicle.
Actually, I didn’t know anything at that age. However, I have experienced regretting that I will usually manage my credit score only when it is time to apply for an additional loan due to insufficient real estate balance.
In a capitalist society, it is essential to create leverage through debt and to channel wealth by investing in a source of income.
The higher your credit score, the more favorable interest rates and limits you can borrow. It is said that when a person with the top 1% and the bottom 1% borrows 100 million won from the financial sector, the difference in interest burden is more than 20 million won per year.
However, you do not need to be overconfident because a bank with a 1st credit rating does not give you coffee in the branch manager’s office shouting “I love you.”
check my credit score
Kakao Bank Toss All Credits, etc. It’s so easy!
These days, the apps are so good that it’s easy to check your credit score. Let’s look at how to check your credit rating on Kakao Bank, Toss, and All Credit among various applications.
Kakao Bank
With Kakao Bank, you can immediately check your all-credit credit score and apply for a score upgrade immediately!
Click ‘My Credit Information’ in the Kakao Bank app,
Click ‘Search for Free’ at the bottom.
Ryan is diligently collecting information from outside agencies.
And my credit information and the top percentage are displayed,
If you click ‘Credit Score Raise’ at the bottom, repayment history within 6 months, utility bills and communication fee payment history, etc. are automatically submitted, and the credit score upgrade is reflected immediately.
Source: Kakao Bank
toss
In Toss, you can check the scores of both All Credits and Nice Ratings, and you can apply for a credit score upgrade right away.
Click ‘My Credit Score’ in the Toss app menu
All credit score KCB NICE can be checked!
Click ‘Upgrade your credit score’
Similarly, Toss sends a score increase request by submitting payment details for 6 months.
Source: Toss
all credit
This is what the app looks like.
In fact, this is the first application I discovered while paying the house balance.
At that time, the application was recommended by a professional counselor and even paid for it, but it is very professional in credit score management.
In the first place, other applications such as Kakao Bank and Toss
It is to take all credit information and use it.
If other places are simply the end of credit rating inquiry and upgrade
This app is my loan status / overdue /
Credit score simulation is possible.
Capture is not possible due to application policy.
In the credit score simulation, a prediction is presented in advance of how the credit rating will change according to changes such as card usage amount / loan balance.
If there is a goal of ‘to raise your credit score by +30 points or more’ by a specific date, you can plan and respond to it through All Credits.
In addition, big data analysis with similar income and age groups,
Analysis of credit transaction impact by major items such as consumption / delinquency / loan
Various functions are supported in more detail.
The only downside is that it is paid (25,800 won per year).
If you are in a desperate situation where you must raise your credit score, I think it is well worth the payment.
If you need it, click the link below
Korea’s representative credit information all-credit established and used by financial institutions
All Credit allows you to view personal credit scores for financial institutions, manage credit, and raise your credit score. From free credit score inquiry to credit card, loan usage status, delinquency check, credit information change alarm, customized coaching program for rating improvement, credit improvement law, etc., you can check credit and manage credit growth together.
www.allcredit.co.kr
Credit Score Management Tips
Let’s do it normally!
Overdue is absolutely prohibited!
It is the most detrimental factor to your credit rating. If more than 100,000 won or more than 5 to 10 days is overdue, delinquency information is collected from the credit bureau and the score is affected. It is advantageous to repay the long overdue loan as soon as possible.
Please note that not only banking transactions, but also mobile phones, utility bills, and taxes are reflected.
Use your credit card more than the limit.
In general, if the average beginner is level 5, it is helpful to use a small credit card/pay a small amount for credit transaction performance to improve creditworthiness.
However, if the credit card payment is overdue, the credit score will decrease. In general, people with high credit scores use only 20-30% of their credit card limit. Increasing your credit card limit and using it sparingly is beneficial to your score. *Maton also affects your credit rating, so it is important to keep your balance below 30%. Matong is not my money.
Do not deal with small amounts/multiple financial institutions
1It is advantageous to collect as much money as possible from one financial institution (where you receive your salary). Being indebted to various companies, regardless of the amount, is also bad for your credit score. Card company revolving is also prohibited.
Submission of results of faithful payment of utility bills
If you submit payment records for more than 6 months, such as telecommunication fees, national pension, health insurance fees, and city gas fees, you can receive an additional 5 to 17 points. This is a trick used to directly raise your credit score in apps such as Toss and Kakao Bank, so it may not have the effect of raising your credit score in the app for those who have submitted results every time.
In addition, there is a certain level of consistent use of debit cards (300,000 won per month, over 6 months) / faithful repayment of student loans.
In fact, credit management needs to be faithful to the ‘basic’.
Through smart credit transactions, I hope that there will be no disadvantages when credit scores are absolutely necessary in the future.