There are various functions in Toss, did you know that there is also a function to check your credit rating?
When it comes to credit rating inquiries, two representative sites are NICE Rating Information and All Credits.
Although it provides credit ratings for free, there is a disadvantage of using a PC to check the credit rating.
In Toss, you can check your credit rating any number of times if you only register your fingerprint after verifying your identity.
I think convenience is an advantage because it can be used on mobile. 토스 신용등급 조회
First, open the Toss app and then go to the “Credit Management” menu at the bottom.
Then, at the bottom of the page, there is a button called “Check Your Free Credit”, just click on it.
If you have not registered your fingerprint, you can register your fingerprint and search. 이베이스매뉴얼
You can search the grade along with the text that asks you to authenticate with your fingerprint.
It tells you what your credit rating is and provides various information.
You can also find out the total card value for the month you used.
If you have taken out a loan, you can check the principal of the remaining loan.
You can also check the remaining overdue principal or guarantee principal.
It would be really easy to manage your credit rating if there is such an easy and simple way to inquire.
Today, I explained about Tos credit rating inquiry.
To borrow money from a financial institution, you need to make sure you are able to pay it back on your own. In general, you must have business income and salary income to make a loan transaction. The essential thing you need to do before getting a loan is to check your credit rating, and I’ll show you how.
You can check your credit rating free of charge by going to the 1332 website for low-income earners operated by the Financial Supervisory Service. It also provides a separate quiz, so you can check your credit rating and see what you can do to improve your score. It is a structure where you can check the wrong answer right away when you provide a problem.
The Financial Supervisory Service guides you to Nice Jerk Me and All Credit sites where you can check your credit rating for free, and it supports you to check your credit rating three times a year at no extra cost.
To find out more conveniently, you can sign up for a paid service. After entering the site, enter your personal information and register as a member. Then, from the menu, you can check your credit rating, the reason for the change, and your debt details right away.
One thing to note here is that in the past, researching this way would penalize your score. However, since 2011, it has been improved so that a penalty is not reflected even if the rating is checked multiple times, so it does not matter how many times it is viewed.
For those of you who are bothered to sign up for the site mentioned above, we will introduce another method. Since you are using an online banking site that you already use a lot, you can check your credit rating for free if you have already used Kakao Bank, Naver Pay, or Toss, etc.
If you enter the app and click My Account or Account on the main screen, there is a menu related to credit inquiry below. If you click this section, you can find out how many points you have.
Now that I’ve introduced how to check my credit rating, I’ll also tell you how to manage it. When borrowing money from a financial institution, it is advantageous to use a large bank. If you are in a hurry and use a credit card loan or savings bank, your score will drop.
The most fatal thing is arrears in utility bills such as telecommunication bills, and delays in interest and principal. It is advantageous to select the main bank and focus on trading.
I recently received a text message that my credit rating has changed.
There was a period in which credit card withdrawals were not made, and I was wondering how the credit rating changed because of that.
If you are a beginner, managing your credit rating doesn’t feel that way.
However, when you get married and buy a house when you get older, you start to understand why your credit rating is so important.
[Credit Rating Level]
Personal credit ratings are classified on a scale from 1 to 10. Grades 1 to 2 are considered good, grades 3 to 6 are general, grades 7 to 8 are caution, and grades 9 to 10 are risk.
The information provided by Toss is information provided by Korea Credit View (KCB).
Here, high credit card issuance is also possible for high credit card users with grades 1 and 2 and low-interest bank loans.
But what about general and cautionary grades rather than superior grades? Grades 6 and 1, which are at the end of the general grade, are so severe that the difference in interest rate when taking out a loan is as high as four times.
From grades 7 to 8, there is a high possibility that loans or card issuance will be refused.
But don’t be surprised if you get a grade of 5 or 6 even though you’ve never had a loan and never used a credit card as a beginner.
Credit goes up when you have a history of borrowing and repaying. If you are a beginner, please rest assured that this is because you have never used a credit card or received a loan.
[How to check credit rating]
So, let’s learn how to check your credit rating with Toss.
1. Run the Toss app on your phone.
2. Click All in the lower right corner and scroll down. In the credit section, there are menus such as credit management, credit rating improvement solution, and credit score raising.
Touch Credit Management.
After that, you can check your credit information after verifying your password or fingerprint to verify your identity.
It is convenient because you can check your credit rating, credit score, and your credit score at a glance.
You can also check the details of changes in your credit score, so you can check the number of credit cards you have, usage, loan principal, and overdue details related to your credit rating all at once.
It can be seen that the author’s credit rating fell on December 11, last year, and when he checked his history, it was confirmed that the Shinhan credit card was canceled.
When you cancel your credit card, you think your credit will go up, but you can see that your credit score has been lowered.
Yes~ Just because you don’t use a credit card and only use a debit card doesn’t mean your credit score will go up, and those who borrow money at a tolerable level and pay it back thoroughly without arrears get the highest score.
raise your credit rating
Then we will look at how to raise the credit rating that has been lowered.
Click the Increase Credit Score button.
It is possible to raise the credit score in two ways: uploading to communication fee payment history and uploading to general payment history.
To upload the communication fee payment history, you need to know the communication company ID and password.
Unfortunately, if only SK, KT, and LG are available, they do not provide budget phones.
The author is using a KT budget phone, so I tried it with general payment details.
After entering the resident registration number, if an official certificate is registered, the payment details are automatically inquired.
Health insurance payment details and national pension payment details will be sent to the credit rating agency, and your credit score will increase later.
In the above, we learned about how to inquire about the Toss credit rating, check the credit rating stage, and raise the credit score.
Just as it is easy to spend money but difficult to earn, so it is easy to get your credit rating down, but it takes time and effort to get it up.
In the case of Toss Prime, it provides a credit rating upgrade solution, and it provides 1:1 customized coaching once a month to provide a customized analysis report service based on financial transaction details.