I think everyone has heard a lot about the importance of credit rating even if they don’t know much about finance. In particular, I think that if you have actually had direct experience in financial transactions, you would have realized firsthand that credit is important. Your credit rating is usually one of the things you look for when making a loan, buying a home, or issuing a credit card. In particular, financial institutions that lend money for loans are divided into 1st, 2nd, and 3rd financial sectors. If your credit rating is low, you can only borrow from financial institutions that require relatively high interest. In particular, if I become independent as a parent, I think that I will need a loan with a high probability due to the housing problem I have to live in. Therefore, it is necessary to manage your credit rating on a regular basis. There are various apps that allow you to check your credit rating for free these days.
What is Toss App? 토스 신용등급 조회
The Toss app allows you to view your financial status at a glance, and you can collect all of your accounts, cards, investment history, and credit scores all in one app. In addition, it provides a consumption analysis report to help people lead a smart consumption life. Remittance is possible with a single touch, and you can open financial products in the app without visiting branches such as deposits, loans, and insurance of the contracted bank. In addition, you can receive special benefits only in Toss, and insurance management is also possible. Toss is operated by a fintech company called ‘Viva Republica’ and was ranked 29th among the world’s top 100 fintech companies by KPMG and H2 Ventures in 2019. 이베이스매뉴얼
Tos credit rating inquiry
In order to check your credit rating on Toss, you must first install the Toss app and then go through the registration process. After logging in and accessing the app, the home screen similar to the screen shown above appears. In the menu below, click the full menu in the lower right corner.
Click Credit Management in the full menu.
If you click Credit Management, your credit rating appears as shown in the picture above, and if you click Credit Score, details of changes in your credit score are displayed. Credit ratings are different for each credit rating, so not all ratings are the same. Credit rating agencies are divided into two companies, all-credit KCB ratings and Nice Jekime NICE ratings. Toss can be considered the same as the all-credit KCB rating.
Credit ratings go up and down for a variety of reasons. As for the effect on the score, even if it is overdue or receiving cash advances, which is taken for granted, the score will decrease, but in my case, my credit score also decreased even if I did not use the card too much compared to the limit of the card. And if you have a loan, your credit score goes up when you repay the loan. It is difficult to know the standard, so when the card price goes up, the score goes up, and when the card price goes up, the score goes down. There were no loans for one year this year, there were no delinquency, and there were only cards that could affect credit quality, so it was only expected that the card price went up and down by myself. And last year, without knowing the reason, it was down to 4th grade. Of course, there was a loan, but I maintained grades 1 and 2 as it was, and there was no delinquency, but I went down to grade 4 by myself and went up again by myself.
Your credit rating doesn’t usually have a big impact on your life, but the moment you get a loan for large amounts of money such as buying a house, buying a car, business, etc., it has the biggest impact on whether you can get a loan and the interest rate.
Toss provides a free credit rating inquiry and has the advantage of systematically managing your credit rating, and you can also receive notifications when there is a change in your credit rating.
Tos credit rating inquiry method
● Select [Credit Management]
After running the Toss app, click the All Menu (3) icon located at the bottom right of the screen to check all service items supported by Toss.
Among them, click [Credit Management] in the credit category.
● Identification
Personal credit rating is information that requires security and can be used after identity verification.
● Agree to terms and conditions and check credit rating
Once you have verified your identity, you can easily check information such as your current credit rating, score, and top percentage.
If you click the [Inquiry/Changes] link, you can check the history of changes related to your credit information such as cards, loans, delinquency, and guarantees over the past year.
Changes are the main factors affecting your credit rating or score.
■ Credit percentile/credit rating/credit score concept
The credit rating is based on a rating of 1 to 10, and the credit score is based on a score of 1 to 1000.
Credit rating and credit score are the criteria that a credit rating agency aggregates various credit information to classify an individual’s credit rating.
The credit percentile is a kind of rank that allows you to know where your credit rating is relative to other people.
Personal credit ratings are conducted by financial institutions such as banks or credit rating agencies.
■ Does your credit rating go down if you do a credit check?
One of the misconceptions many people have is that doing a credit check will lower your score.
Credit inquiry refers to the act of inquiring an evaluator’s information through a credit rating agency at a financial institution when applying for a loan or issuance of a credit card, or an individual periodically checks his/her credit score.
The Financial Services Commission has taken measures to prevent a credit rating downgrade due to credit inquiry, so that inquiry history is not reflected in ratings and ratings since October 2011.
Doing a credit check in any way will never lower your credit rating.
■ When will my credit information be updated?
Personal credit ratings and credit scores are updated as soon as any changes in credit information are reflected in credit rating agencies.
Account opening and overdue information are reflected in the credit information from time to time, and for the card, the performance of the previous month is reflected on the 15th of each month.
Credit rating and credit application are reflected in credit rating and credit application based on the previous month for limit loans and the previous day for installment or lump-sum repayment loans.
Over 100,000 won and over 5 business days overdue, your credit rating will be downgraded, and it will be used for credit evaluation for up to 3 years from the repayment date.
hello today
I would like to inform you about the information about the Toss credit rating inquiry.
A lot of people know this
My credit rating in the Toss app
In case of inquiry, my credit rating is
I’m afraid I won’t fall
But don’t you ever worry!
If you do your own credit inquiry records, there will be no inquiry records left.
Even if the inquiry record remains, the credit rating
never never affects
Even if you check the credit rating of Toss
Absolutely does not affect the rating, so all
I hope you enjoy eating
If you check your credit rating, there is no problem with your credit
It has been a long time since the regulations were amended by law.
Tos credit rating in the past
Your credit check records are on your credit rating
I’ve had an influence
However, since October 2011, the fact of credit inquiry
In fact, never penalize the rating
I won’t give it to you, so you don’t have to worry too much
However, the fact of the credit check
When granting a credit rating to an unrated person
Please note that it can be used
If you used to check your credit rating
Hey, why aren’t the ratings dropping? to say
you must have heard
But as I said before
Rest assured that the law has also been amended.
I check my credit rating
what’s wrong with you
In April 2011, the Financial Services Commission
Because the problem was neatly improved
And there are others like this
If you have a large number of credit cards,
Some of you may be worried that your grade will not drop.
don’t worry now
The number of credit cards depends on your credit rating.
because it never affects
But in a short period of time too many
Please note that it is not good to receive
Don’t make too many in a very short time!