This year, after the credit rating system was abolished in 2021 and changed to a point system, I did a free credit inquiry on All Credit (KCB) for the first time. 올크레딧 무료신용조회
You can search for free on Kakao Bank, Toss, etc., but if you want to check a little more detailed information, you can check the All Credits site with a little more detailed information. You can also get a small rating straight up with a credit propensity survey. 이베이스매뉴얼
You can check it for free 3 times a year (January-April, May-August, September-December, once each), but it is a bit more inconvenient because you have to register as a KCB i-PIN member.
If you want to make a free inquiry on All Credit (KCB), you can apply by clicking on the National Free Credit Inquiry button at the bottom right >>> of the homepage as shown in the picture above.
You can log in (identify yourself) with your mobile phone, general-purpose public certificate, Naver, Kakao, Payco, or credit card, and register as a member or check your credit as a non-member.
After that, you can check your credit score by verifying your identity with KCB MyPin. On a scale of 1 to 1,000, the closer to 1,000, the higher the credit score, the better.
I’m in the top 31% with 924 points overall. The level is slightly lower than last year due to lack of management.
All Credit includes a credit propensity survey and My Date registration (registration of non-financial information), so these two alone will increase your credit score to some extent.
Well, I’m not in a situation where I need a loan, and I don’t have any plans to get a loan for a while, so I’m just neglecting it.
In terms of credit management, I don’t do anything special, I just keep using my credit and debit cards at the level I normally use.
With no loans, no delinquency, and consistent and appropriate use of your credit or debit card, you have no choice but to maintain good credit quality. Problems such as delinquency, loans, and overpayments are shortcuts to low credit.
If you search in All Credits, you can check credit score, open issuance information, short-term card loan, loan information, overdue information, other overdue information, guarantee information, and credit inquiry in detail.
You can check the initial issuance time of your credit card in the open issue information.
Theft… And as short-term card loans (credit card cash advances) are separately classified, cash advances have high interest rates and have to be repaid every month, so using them for a long time is not good for credit management.
What is unique about the loan information is that the negative bankbook (Matong), that is, the emergency fund loan of Kakao Bank, is now available as a general loan… In the past, all credits favored negative bankbooks quite a bit.
It was widely used as a way to raise the credit rating in All Credits because the opening of a Martong meant that income information was good, and that using a small limit of the opened Martong was financially plentiful.
However, it is now classified as a general loan, so it seems difficult to expect such an effect.
And overdue information includes not only credit card and loan amount but also payment information (subrogation details related to guarantee insurance policy). Court judgments) and information about disorder of financial order (financial fraud, bank book lenders, etc.)
For reference, the credit card issuance standard based on KCB is a personal credit score of 576 or higher. Of course, having more than this score does not mean that it can be issued unconditionally. You must meet income or property standards.
In addition, the target of microfinance is within the bottom 20% of personal credit score, so it is possible if it is 700 points or less.
If you want to actively raise your credit score on All Credit in a short period of time, you can participate in a credit propensity survey or register your past non-financial information.
To register all-credit My Data, you just have to register the details of faithful payment of telecommunication charges, national pension, health insurance, and utility bills (one of city gas, water, electricity, and apartment management expenses), and register income information with the National Tax Service.
People with low credit often need to manage their credit. On the other hand, if you have high credit, your income level or debt level is more important.
If you look at the past, if your credit rating is high, wouldn’t it be possible for the unemployed to get a large loan with a low interest rate? Everyone thinks… that’s not the case. Credit score is one criterion in loan terms. Other conditions are also important.