I will tell you about the method of checking for bad credit.
What we commonly call bad credit is someone who has accumulated debt due to indiscriminate loans or financial activities and cannot repay them, which lowers their credit score. If this continues, they will be labeled as a bad credit person.
How to check for bad credit
The most common examples of bad credit are loans and delinquent payments. Proper loans can actually help raise your credit score, but the problem occurs when you cannot repay the loan.
If a credit institution determines that you do not have the ability to repay your debt, it will significantly lower your credit score. Therefore, it is most important to develop good financial activity habits.
If you frequently have delinquent or late payments on utility bills, cell phone bills, small loans, etc., you need to check your current credit status.
You can currently check your credit score for free up to three times a year. The major credit rating agencies that you can check are All Credit (KCB) and Nice Jikimi (NICE). In the financial sector, you can also check your credit score at Toss Bank and Kakao Bank.
Check your credit score at All Credit
All Credit is a major credit rating agency that offers free credit score checks.
Checks are provided free of charge three times a year, and you can check your score as a non-member or member. The check method is simple.
1. Go to the All Credit homepage. (Click on the site address below)
Go directly to the All Credit homepage
2. Click on Free National Credit Check
3. Apply for the service, select the appropriate time, and check for free as a non-member or member
4. Check your credit score after verifying your mobile phone identity
Check your credit score at Nice Jikimi
Nice Jikimi is also a credit rating agency that forms the other two major mountain ranges with All Credit. Credit scores are largely divided into KCB and NICE, and NICE Jikimi corresponds to NICE.
Nice Jikimi offers free credit score inquiries, just like All Credit, and the process is simple.
1. Go to the NICE Jikimi homepage. (Click on the website address below)
Go to the NICE Jikimi homepage
2. Click on Smiling Data Life → Consumer Protection → Free Credit Inquiry.
3. Agree to Terms and Conditions → i-PIN Authentication → Identity Verification → Credit Score Inquiry is available. If you have not yet received an i-PIN, please issue an i-PIN through the link below.
Go to Issue an i-PIN
4. If you have received an i-PIN and completed identity verification, you can check your credit score for free.
Check Toss Bank Credit Score
Toss Bank is a first-tier mobile-only bank that is currently widely used because it is famous for its parking account. Anyone who has opened an account at Toss Bank can easily check their credit for free.
The advantage is that you can check your credit score for both KCB and NICE at once with Toss Bank.
1. Install the Toss Bank app and log in.
2. Full menu → My credit score → Check your credit score after authentication
Check Kakao Bank credit score
Kakao Bank, like Toss Bank, is an online-only first-tier financial bank. Since Kakao Talk is a national messenger app used nationwide, many people also use Kakao Bank, which allows easy linking with affiliates. You can also check your credit score for free on the Kakao Bank app.
1. Install the Kakao Bank app and log in.
2. Full menu → MY → My credit information → Check your credit score
※ If you check with Toss Bank or Kakao Bank, you may need to go through a simple identity verification process at first.