Recently, as stock investment and real estate investment have increased, so-called loans have increased. In order to get a loan, your job and property are important, but your credit rating is the most important. Let’s take a look at the revamped credit rating scorecard and how to instantly raise your credit score by 14 points.
# index #
– What is your credit rating?
– Reorganized credit rating table
– How to raise your credit score 신용등급 점수
– conclusion
What is your credit rating? 좋은뉴스
A credit rating is a numerical expression of creditworthiness by combining various credit information about an individual. In general, it is divided into 1st to 10th grades by analyzing the transaction type of a certain period, such as overdue payments and bank loans. Generally, grades 1 to 4 are excellent, and grades 7 to 10 are divided into non-excellent grades. The lower your credit score, the smaller your loan limit and the higher your interest rate.
Reorganized credit rating table
Credit Rating Scorecard
credit rating
NICE
(my credit)
KCB
(all credits)
1st class
900 to 1000
942~1000
Grade 2
870~899
891~941
Grade 3
840~869
832~890
4th grade
805~839
768-831
5th grade
750-804
698-767
6th grade
665~749
620~697
7th grade
660~664
530~629
8th grade
519~599
454-529
9th grade
445-514
335~453
level 10
0 to 444
0 to 334
It has been changed to a score rather than the old credit rating system, so you can trade comfortably. Previously, even if credit ratings were similar, there were cases where loans were not possible or cards were not issued if the rating was one level lower.
How to improve your credit score
Basically, I think you know the basics, such as paying interest on a loan, paying various utility bills, using a credit card, etc. I will explain how many do not know.
1. All Credit Credit Study
All credit credit study page After completing 4 lectures and solving problems, your credit rating goes up by 4 points.
Source: All Credit (K-score)
Access the All Credit homepage, sign up as a member, watch all 4 credit training videos, and solve 4 quizzes, 1 point for each question and 4 credit scores. An immediate credit score of 4 is very high. The video has a lot of helpful information, so I recommend you to listen to it until the end.
2. All Credit Credit Propensity Survey
All-Credit credit propensity survey page A total of 114 surveys completed within 20 minutes will immediately increase your credit score by 10 points, once a year
Source: All Credit (K-score)
Similarly, participation in credit propensity surveys available at All Credit. There are a total of 114 questions to be completed within 20 minutes, and if you complete them all, your credit score will increase by about 10 points. And the credit propensity survey is available once a year, and in my experience, I remember that it rose by 9 points last year.
conclusion
So far, we have told you how to raise your credit score and credit score. It is a method that allows you to immediately raise 14 points, rather than the obvious way to inform you in the past, and it is easy to invest 1-2 hours. Please participate and raise your score and succeed in the bank loan you want.