When you check your finances, you check your credit rating a lot. These days, there are many sites where you can check your credit information rating for free, but you are also careful that your credit rating will not drop after checking.
However, you can check your credit score with confidence as it does not affect your credit rating at all. 신용등급 점수
It’s a good idea to check your credit score and know what grade you fall into in advance. Credit scores are also different for each credit rating agency, so it would be good information to know. 좋은뉴스
Credit Rating Scorecard Step-by-Step Guide
The reason why credit rating is important is that when you get a credit card or loan, the interest rate may vary depending on the rating or you may not be issued a credit card, so credit scores have become very important information when using finance.
Grades 1 to 3 are the criteria for borrowing from banks, and credit cards are issued only for grades 6 and above.
As of 2022, the credit evaluation company All Credit and Nice’s scorecard is as follows.
Nice: It is divided into 10 grades from 1 grade, and the standard of 1 grade is from 900 to 1000 points, and the 10 grade is from 0 to 444 points.
All Credits: Same as Nice, it is divided into 1st to 10th grades, and 10th grade is divided from 334 points, and 1st grade is divided from 942 points.
In the case of grades 1 to 3, the range of All Credit is wide, and for grade 6 for issuing a credit card, All Credit is set rather low. While organizing credit rating scores this time, I also learned new facts.
financial criterion score
Then, if you checked your credit rating, what would be the score required for a loan or credit card issuance?
In the case of a credit card, in order to be issued, the credit score viewed through All Credit must be 576 points or higher, and the score viewed through Nice must be 680 points or higher.
In the case of mid- and low-income financial product loans, the standard is 700 points or less for All Credit and 744 points or less for Nice.
If you are looking for a home equity loan, it is best to contact the bank that will receive the loan.
To find out simply
Hana Bank: Nice – 818 points or more, All Credits 766 points or more
Shinhan Bank: Nice – 423 points or more, All Credits 543 points or more
Woori Bank: Nice – 757 points or more, All Credits 653 points or more
Please note that this is how it works.