The secret to increasing your credit score: More detailed and friendly guidance
1. What is a credit score?
Credit score is an indicator that evaluates an individual’s creditworthiness and ranges from 300 to 850 points. The higher your score, the higher your credit rating, which is more advantageous when issuing loans or credit cards.
2. The secret to increasing your credit score 신용점수 조회
2.1 Payment history management
Regular repayments: It is most important to repay your loan and credit card balances regularly. 이베이스매뉴얼
Preventing late payments and hesitation: Be careful to avoid late payments and hesitation.
Debt Management: It is important to keep your debt levels low and have a plan to repay your debt.
2.2 Credit Utilization Management
Management of credit card usage amount: You must manage your credit card usage within the limit.
Refrain from new applications: You should refrain from making unnecessary new applications.
Consistent financial transactions over a long period of time: It is recommended to maintain financial transactions consistently over a long period of time.
2.3 Credit information management
Check your credit information: You should check your credit information regularly to make sure there are no errors.
Correction of errors: If there are errors in your credit information, they must be corrected quickly.
3. More detailed information
3.1 Payment history management
Use direct debit: We recommend using direct debit for regular repayments.
Set reminders: Prevent late payments by setting reminders before repayment due date.
Create a repayment plan: Create a debt repayment plan and stick to it.
3.2 Credit Utilization Management
Credit card usage ratio: It is recommended that your credit card usage amount be kept below 30% of your limit.
When to apply for a new application: It is recommended that new applications be made at least 6 months apart.
Long-term use: It is recommended to keep credit cards that you use for a long time and cancel unnecessary cards.
3.3 Credit information management
Free service twice a year: You can check your credit information for free by applying to a credit information agency twice a year.
How to correct errors: If there are errors in your credit information, you can correct them by applying to a credit information agency.
4. Tips!
Use a credit management app: You can easily manage your credit score and credit information using a credit management app.
Financial institution consultation: You can visit a financial institution and receive credit management consultation.
Financial Consumer Information Portal Fine: You can obtain credit management-related information from the financial consumer information portal Fine.
5. Precautions
No credit score manipulation: Credit score manipulation is illegal and can actually lower your credit score.
Time to restore credit score: It takes time to improve your credit score.
Depends on individual circumstances: Credit scores vary depending on individual circumstances.
6. Maintain a high credit score with consistent effort!
A high credit score can help you enjoy various financial benefits. Please refer to the methods presented above and make consistent efforts to maintain a high credit score.