Today we are going to learn about Tos credit rating.
We’ll also check the Toss credit score, which affects your rating, and briefly show you how to raise it. And first, let’s start by looking at the system that will change from January 1, 2021.
credit score system
In accordance with the improvement plan of the personal credit evaluation system of the Financial Services Commission, it is a new system that will be applied from January 1, 2021, and the existing rating system will completely disappear and change to a point system. Scores range from 0 to 1,000, with the closer to 1,000, the higher the score.
The existing rating system is evaluated by dividing it into grades 1 to 10, and has been used in financial transactions such as loan review and card issuance review. Even if the score differs by 1 or 2 points, if the grades are divided, there was a problem in issuing or borrowing a card. 토스 신용등급 조회
Therefore, the Financial Services Commission is hoping that the threshold effect will be eliminated by eliminating the rating system and introducing a point system. In the future, it is said that detailed loan screening will be possible according to Ga-in’s characteristics, as the evaluation is done on a one-point basis. For your reference, Toss provides scores based on the new evaluation system of KCB (Korea Credit Bureau), a credit rating agency. 이베이스매뉴얼
tos credit rating
First, let’s see how to check the Toss credit rating.
You must first have the app installed. Then you can proceed.
If you run it, do you see the credit section? You can check your credit rating by entering here. Hmm. My original score was pretty high, but it dropped a bit. So, I’m going to check how to raise the Toss credit score and apply for it a little later.
If you check the credit rating of Toss, there are 3 changes.
I recently had a negative bankbook that was canceled. Other than that, there were other things, but I guess this also affects the rating. If other people look at it, there will probably be some views and changes. Take a look.
How to Raise Your Toss Credit Score
First of all, do you see the increase in your credit score on the screen above? Just click on it.
1. Notice
Then there is a note at the bottom. Let’s check this out first and proceed.
You can increase your Toss credit score by proving your payment history for more than 6 months. Personal information is not stored during the application process, the score may not rise due to other negative factors, and if you submit duplicate submissions with no significant change in income and expenses, the score result will not change. Please read it once.
2. Two ways to raise Toss credit score
There are two ways to upload. Communication fee payment details and general payment details are used in this way.
First of all, if you look at the communication fee payment history, you can proceed by entering the relevant carrier, ID, and password as shown in the image on the right, but it was not possible because I did not change the password normally. So, after changing several times, I gave up and changed the route to the general payment details below.
If you have not changed your KT password for a long time, please change it and proceed.
If you click on the second general payment history, you will see the step of entering your social security number and the next step of entering the certificate.
Then, the health insurance payment details and income amount documentary section will appear. Check it and send it to the credit rating agency. It was really easy.
I could not check the communication fee payment details, but the general payment details have been submitted.
If you look at it, it is said that the evaluation will be reflected on December 28, 2020. Even though I applied on the evening of the 27th, it is being processed right away. When it’s finished, I’m looking forward to seeing how many points appear in the question mark section.
I checked the Toss credit rating above.
Now, from January 1, 2021, the rating system will be abolished and the point system will be converted to a point system, so please check how many points you have. It is likely that there are pros and cons because it can be considered more subdivided than graded. Please check your Toss credit score and learn more about how to increase your score as mentioned above. It’s actually not that difficult to manage.
Please check back often to understand and acknowledge your level, then try to improve your score.
Don’t be late for administrative fees, taxes, or card usage fees, as it is absolutely forbidden to be late. If you pay on time, you will be managed. I will end the post here. Thank you so much to everyone who watched till the end. Have a nice day today too ^^
Toss supports credit rating inquiry service, and the inquired information basically displays credit rating, credit score, credit percentage, and recent changes.
You can use the credit rating inquiry service after verifying your identity. User authentication supports biometric information authentication and password authentication through a fingerprint sensor.
How to check the credit rating of Toss
▣ Select all menus (3)
To check your credit rating, first launch the Toss app and then tap the All menu (三) located in the lower left corner.
▣ Click [Credit Management]
In the Toss menu, service items are listed in categories such as event/insurance/inquiry/remittance/account opening/credit/loan/card/investment/auto/real estate/travel/benefit.
Scroll down the screen and click [Credit Management] in the ‘Credit’ category.
▣ Identity verification
Credit rating inquiry includes personal information, so identification is essential. (Fingerprint authentication/password authentication support)
▣ Check the Toss credit rating inquiry result
If you have successfully verified your identity, you can check information such as your credit rating, credit score, and credit percentage in the ‘Credit Management’ section.
If you click the ‘Inquiry/Change’ link, you can check the history of changes related to credit information such as cards, loans, delinquency, and guarantees over the past year, as well as the history of inquiring my credit information from financial institutions for credit transactions.
Raise Toss Credit Rating
In order to increase your credit score, it is recommended to use your credit/debit card appropriately and consistently.
The credit rating is judged based on the financial transaction history and type of whether the payment is made on time for loans and credit cards.
You can receive additional points for credit evaluation if you submit information on your faithful payment of telecommunication and utility bills for more than 6 months to CB.
In particular, it is a useful way to improve credit rating for college students or beginners who do not have a lot of financial transaction records, to continuously submit payment records of telecommunication and utility bills such as mobile phone bills.
Delinquency is the most detrimental factor on your credit score. If you have a history of delinquency, your credit score may drop. The longer the delinquency period, the more adversely your credit score will be affected even after repayment.
Paying off overdue loans can improve your credit score and rating.
Your credit score and rating will not be restored to the pre-delinquency score immediately upon repayment of the arrears, but your score and rating will gradually recover if you lead a conscientious financial life without additional arrears.
If there are multiple delinquent loans, it is more beneficial to improve your credit rating and score by repaying the old loans before the large delinquent loans.