What is a Credit Rating Scorecard?
The credit rating scorecard is a table that ranks credit by grade based on your credit score. The credit score is set on a scale of 1 to 1000 and is evaluated based on a variety of individual credit information. Credit scores are investigated by credit information companies such as Nice and All Credit, and the two companies have slightly different methods of calculating credit scores, so there may be differences in scores even for the same person. 신용등급 점수
How to check your credit score 좋은뉴스
To find out where your credit rating is based on the credit rating scorecard, you need to know your credit score first. In Korea, you can check your credit score on the All Credit website, so please check your credit score first through the website below.
▼Go to the free credit score inquiry site▼
Credit rating inquiry
In the past, it was said that a credit rating inquiry alone would lower your credit score, but these days, even if you do a credit rating inquiry, it is not reflected in your credit information. Check your credit rating in advance
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How to read your credit rating scorecard
The credit rating scorecard is divided into grades by credit score on a scale of 1 to 10. In Korea, a lot of credit scores are inquired through the two major credit information companies, Nice and KGB. The credit rating scorecards of the two credit information companies are as follows. You can check your credit score first and then substitute each section of the credit rating scorecard to determine your grade.
Characteristics of each credit rating
If you have checked your rating by looking at the credit rating scorecard, you will not be able to determine whether this rating is a good or bad rating.
Grades 1 and 2 are the highest grade, and they have a long history of credit transactions and various and excellent credit transaction records, so they belong to the grades with a very low possibility of delinquency or financial insolvency.
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Grades 3 and 4 are not the best grades, but belong to the compliant grades. Although there is no active credit transaction performance as a good grade, it is possible to enter the excellent grade if steady good transactions are continued, and it belongs to a grade with a very low possibility of insolvency.
Grades 5 and 6 are general, for those who have transactions with relatively high interest rates, have a history of delinquency for a short period of time, and seats that can become insolvent are normal grades.
Levels 7 and 8 are caution levels, and from this level, it is a level that requires active management of credit scores. It is a grade with a high probability of insolvency, with a lot of transactions with companies with relatively high interest rates, and a relatively high history of delinquency for a short period of time.
Grades 9 to 10 are currently overdue or have a very serious overdue experience, so the possibility of insolvency is very high.
How to find out your credit information
Credit score is essential information when conducting financial transactions, and credit score management is a very important part. In the past, your credit score could have gone down just by looking at your credit rating, but recently, it is rather necessary to check your credit score on a regular basis and try to raise your score.
▼▼How to raise your credit rating▼▼
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In order to figure out your credit information, you must first know your credit score. Because a site called All Credit provides a function called free credit rating inquiry for all citizens, it checks the credit score on the site first and then checks which grade the score belongs to on the credit score scorecard.
If you have a score of 1 to 4 when you apply it to the credit rating score table, you should try to maintain the current status.
If you are below grade 5, you should recognize that you need active credit score management and try to raise your credit score.
finishing up
Learn how to check your credit score for free and how to view your credit rating scorecard step by step. Financial transactions are indispensable in our daily lives, and to do so, it is helpful to manage individual credit scores well.