Today, we are going to learn about credit rating scores and how to raise them. Although the credit rating system has been abolished and changed to a credit score system, there are still people who talk about ratings. Also, it is said that financial institutions also refer to credit ratings when checking credit scores.
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Now, with the credit score system and credit rating system, credit scores have become important. However, since it has been used as a yardstick for a long time, score matching according to rank is still widely used. Although credit rating scorecards are not official, they are still used where loans and other needs are needed.
Hide Table of Contents
1 <Credit Rating Scorecard, How to Raise Your Credit Score>
2 Credit rating and credit score system
3 Credit Rating Scorecard
4 Points where the credit score system has become more advantageous
5 ways to improve your credit score
6 How to Check My Credit Score
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<Credit Rating Scorecard, How to Raise Your Credit Score>
Credit Rating Scorecard
Credit scores supported by NICE and KCB have a great impact on our daily lives. The credit rating is divided into 10 based on the maximum score of 1000, but officially it is now evaluated only by score.
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Credit rating and credit score system
First, the first financial sector is implementing and applying a credit rating score system. The criterion is Nice credit rating and all credit information. Scores were there before. Scores were added and subtracted based on various credit activities, and then divided into grades.
So, I had to avoid things that could absolutely have an impact, such as card overdue or telecommunications overdue. As it operates as a score system, it has affected a person’s credit score in a more diverse way.
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Credit Rating Scorecard
It’s still a lot of people watching, and it’s also a valid credit rating scorecard. In the text below, Nice is on the left and All Credit (KCB) is on the right.
– Grade 1: 900 ~ 1,000 / 942 ~ 1,000
– Grade 2: 870 ~ 899 / 891 ~ 941
– Grade 3: 840 ~ 869 / 832 ~ 890
– Grade 4: 805 ~ 839 / 768 ~ 831
– Grade 5: 750 ~ 804 / 698 ~ 767
– Grade 6: 665 ~ 749 / 630 ~ 697
– 7th grade: 600 ~ 664 / 530 ~ 629
– Grade 8: 515 ~ 599 / 454 ~ 529
– Grade 9: 445 ~ 514 / 335 ~ 453
– Grade 10: 0 ~ 444 / 0 ~ 334
For a credit rating of 5, Nice is 750 to 804 points, and All Credit is 698 to 767 points. For a credit rating of 7, Nice is 600 to 664 points, and All Credit is 530 to 629 points.
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The credit score system has become more advantageous
Credit ratings were divided into 1,2 grades, 3,4,5 grades, 6,7 grades, and less. Based on the Nice standard, credit 7 is 600 to 664 points, but 599 points is 8th grade, so when you use a loan, etc., you can lose a lot if you use your credit rating. with a difference of 1 point.
It is true that it has improved a lot since the credit score system was changed in that respect. Nevertheless, it is still the case that depending on the credit score, someone can get a loan or not, and eventually it can be divided by a few points. So we still talk about credit ratings.
How to improve your credit score
– Do not overdue under any circumstances
– When using loans in the financial sector, do not divide into several parts, but receive or combine them into one
– Payment of utility bills also affects.
– Proper use of credit card and timely payment
– Appropriate use of loans and sincere repayment for a wise financial life
How to Check My Credit Score
– There are things like all credit free inquiry, nice free inquiry,
– These days, more toss and Kakao Bank credit inquiries.
There is no disadvantage to checking this, so you can use it with confidence. You don’t have to use a paid service to check this out. Managing your credit score well is a must for modern people. Because credit is money. One thing you shouldn’t give up just because you’ve had bad credit is your credit score.