Perhaps you have taken a loan at least once, or you may be wondering what your credit rating is usually.
Recently, the credit rating has been changed to a rating system. 올크레딧 무료신용조회
It was close to the 5th grade of the existing 6th grade (740 points), but banks can borrow from the 5th grade.
Even those who used to be rejected at the time of screening began to operate as a rating system and reduced this gap.
It can be applied more advantageously. 이베이스매뉴얼
“Well, even though the workers have ratings, they are using their own ratings according to each section.
In any case, it is true that the rating system is more advantageous to consumers than the existing rating system.”
There are two major credit rating agencies in Korea.
These are the NICE evaluation information and all credits (KCB-Korea Credit View).
But do you know that?
It’s a fact that when you check your credit in two places, you get ten different scores.
This is because the two institutions have different standards for rating credit.
This is because some companies look at how stable their credit transactions are, while other companies focus more on delinquency history.
In the table above, I made a table to help me understand which points I focus on more.
The sum is not 100%.
As you can see, the overall proportion of KCB is high, but since this is each company’s own ratio, rather than comparing each
You can see which companies focus on which.
In the case of Nice, on the other hand, the current delinquency and past debt repayment history information are viewed with great importance.
In the case of all credit, the type of loan (how many financial institutions you got it from and what the interest rate is) and the type of card use, etc.
look mainly.
For reference,
In the case of the 1st financial sector, the KCB all-credit score is mainly viewed, while the other 2nd financial sector places more importance on the NICE information base.
Where to check free credit ?
These days, there are many places where you can check your credit for free through an app.
Typical examples include Payco, Kakao Talk, and Toss.
Among them, the most commonly used application, KakaoTalk, is how to view credit information.
<Attach photos in slide format>
From the left to the bottom right, click the … shape and then click the pay shape at the top
You will see the service tab.
You can check my credit information.
here!! In the case of applications that check credit information such as Toss, Payco, and KakaoTalk
In the case of NICE, because the score is based on KCB rather than NICE.
You can check it separately on Nice Jerk Me.
↓ ↓ ↓ ↓ ↓How to check NICE Jikimi credit information ↓ ↓ ↓ ↓ ↓
In the case of Nice, after connecting to the Nice Ji Kim Me site (general mobile phone application X)
You can use the nationwide free credit inquiry in the order above.
Lastly, how is the score of Toss, Payco, KakaoTalk (based on KCB) and NICE credit information different?
I compared.
From the left, Nice / Kakao Talk / Toss / Payco.
If you look, you will see that the NICE score is the highest.
In the case of me, I have been using a credit card for a long time without arrears, and I have a car loan with an insurance company.
In my opinion and my experience so far, the majority of people have a higher Nice score than a relatively All-Credit.
seems to come out There may be others, but
Finally, a brief summary in Q&A format
Q. Will my credit rating go down during a credit inquiry?
A. It does not fall into simple inquiry and free inquiry Excessive credit inquiry has some effect
Lately, this has also been lacking.
Q. Do financial companies look for nice or all credits?
A. In the case of 1st financial sector, it is said that all credit 2nd financial sector focuses on Nice.