Let’s check the credit rating scorecard. As the existing credit rating system changes to a credit rating score system, there are changes to personal credit ratings. In the past, when using the rating system, it was not easy to borrow money from banks or financial institutions based on credit rating alone. However, with the introduction of the credit rating score system, it is said that the score rather than the rating is used to determine individual creditworthiness and apply it more flexibly. Learn more about the credit rating scorecard and scoring system below. 신용등급 점수
Introduction to Credit Rating Point System 좋은뉴스
The credit rating score system is a system created by improving the existing credit rating system. Many people were judged only by their credit rating in various banking and finance-related examinations, and unfortunately, there were many cases where they could not borrow money from banks or financial institutions. However, by introducing a credit rating score system. Even if the rating is low and does not meet the qualifications, in the case of a person with a higher credit rating score in the corresponding rating, it is considered as a higher credit rating and screening is possible.
Check your credit rating scorecard
So let’s take a look at the credit rating scorecard. There are various credit rating agencies, but today, we will check the credit rating scorecards applied by Nice credit rating agencies and All Credit rating agencies, which are used by the most people and are generally applied.
Credit Rating All Credit Nice
1 900-1000 points 942-1000 points
2 870~900 points 891~941 points
3 840~869 points 832~890 points
4 805-839 points 768-831 points
5 750-804 points 698-767 points
6 665-749 points 630-697 points
7 600-664 points 530-629 points
8 515-599 points 454-529 points
9 445-514 points 335-453 points
10 0 to 444 points 0 to 334 points
In addition to the above two credit rating agencies, you can check your credit score in various apps such as Toss App or Kakao Bank. I think checking the score from the most used credit rating agency will be a more accurate standard when borrowing money from banks or financial institutions in the future.
Finding hidden government subsidies (how to use the Toss app)
Let’s take a look at how to find hidden government subsidies using the Toss app. The government is helping the people with numerous government subsidies as much as the prolonged corona. However, this government subsidy
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Credit Rating Score Declining Factors
In the case of All Credit, as the credit rating system was changed, it was announced that the credit score was calculated by including non-financial items (8%) instead of the existing financial-related items only. Here, non-financial items include health insurance fees and telecommunication fees. If you have been paying bills for several months at a time after overdue health insurance fees or mobile phone bills, you should manage these parts well so that there will be no setbacks when borrowing money from banks or financial institutions in the future.
However, the part of your credit score that you should be most concerned about is credit card delinquency. These days, most people use credit cards indiscriminately, and there are cases where the card payment date approaches and cannot be paid in full. If you are a person who manages your credit rating, there should be no overdue card value.
Go to Free Credit Rating Score Inquiry
I checked the credit rating score table in the table above. Then you need to check what your credit rating score is? You can check your credit score for free from both Nice Evaluator and All Credit. In the post below, I introduced a free inquiry method, so it is good to refer to it.
2 Easy Ways to Check Your Credit Rating for Free
How to check your credit score for free. As the credit rating system has recently changed from a credit rating system to a credit rating score system, I think there will be a lot of questions about credit ratings. Credit rating points through the post below
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Credit Rating Scorecard Closing Remarks
Today, we have informed you about the credit rating scorecard and related details. Even if you haven’t started your social life yet, you should thoroughly manage your credit rating. It’s best not to borrow money, but if you need a lot of money, such as later business or real estate investment, it will be difficult if you don’t have credit management.