<!DOCTYPEhtml><htmllang="ko"><head><metacharset="UTF-8"><title>신용조회를하면,신용점수가떨어질까?</title><metahttp-equiv="X-UA-Compatible"content="IE=edge"/><metaname="viewport"content="width=device-width,initial-scale=1,maximum-scale=3.0,minimum-scale=1,user-scalable=yes"><linkrel="stylesheet"type='text/css'href="https://cdn.banksalad.com/fonts/noto/NotoSansKR.css"><linkrel="stylesheet"type='text/css'href="https://cdn.banksalad.com/fonts/jua/style.css"><linkrel="stylesheet"href="https://banksalad.com/dist/contents.min.css"></head><body><divclass="contents__detail"><pstyle="text-align:justify;">은행지점에방문해서대출상담을하거나,인터넷상에서신용관리요령을찾다보면<b>"신용조회를하면신용점수가하락하니함부로하면안된다"</b>라는조언을종종접하게됩니다.과연이런경고문은맞는말일까요?<br><br><h1>본인신용점수를조회하는것은,신용에전혀영향이없다!</h1><p>기본적으로개인신용평가회사인올크레딧이나NICE지키미,사이렌24등에서자신의점수를조회하는것은<B>예전부터아무런영향을주지않았습니다.</b><br><Br>자신의신용관리를위해서자기점수를아는것은도움이되고,또한본인이신용점수를본다고해서빚이늘어나는것도아니라서객관적으로불이익을줄이유가전혀없기때문에신용점수에영향을주지않았던것입니다.그래서아예신용평가회사에유료가입을하고자주점수조회를하면서관리를하고있는사람도많습니다.<br><br>보통문제가되는것은이렇게본인이확인하는것이아니고,<b>대출신청</b>을한다거나<b>신용카드발급신청</b>을해서<b>금융회사에서신용조회를들어갈때</b>입니다.과거에는이런상황에개인신용점수가하락하기도했습니다.대출을받거나,신용카드를발급받게되면빚이증가하여앞으로대출금이나카드대금을제때갚지못할가능성이증가하기때문에신용점수하락의원인이되는것입니다.<br><Br>하지만자격이되지않아서대출이나카드발급을금융회사에서거절했을때에나,필요성이없어져서신청자가중도에신청을취소했을때에도점수가하락해서부당하게불이익을받는경우도있었습니다.<br><Br><h1>금융사에서'단순신용조회'하는것역시신용에영향이없다!</h1><p>이런문제점을해결하고자금융감독원에서2011년10월부터<B>단순신용조회기록은신용평가에반영하지않도록정책을변경</b>하였습니다.그래서이젠신용조회를해도점수에아무런영향이없고,그다음단계로넘어가서<b>실제대출을받거나카드발급이되어야하락</b>하게되었습니다.<Br><Br>그러므로"신용조회를하면신용점수가떨어진다"라는말은2011년10월이후에는완전히<B>틀린정보</b>가되었습니다.<br/><h2>그럼에도불구하고여전히잘못된정보가살아서돌아다니는이유는무엇일까요?</h2><p>첫번째원인은지금도은행등의대출상담사일부가고객에게그런말을하기때문입니다.그쪽분야에서는그래도전문가인금융기관직원이고객에게그렇게이야기하면그게사실이라고믿게되죠.하지만이건일부직원들의욕심에서벌어지는일로생각됩니다.즉자기금융회사외에다른곳에서는대출상담을받지못하게하려고겁을주는것입니다.<br><Br>또다른원인을찾아보면인터넷상에서는2011년이전의과거자료도많이검색되는데,이에대한제대로된검토도없이그대로복사해서사용하는사람들이있다보니잘못된정보가여전히돌아다니고있는게아닌가싶습니다.<br><Br>그러므로본인의신용관리를위해올크레딧이나나이스지키미,사이렌24등의<B>신용평가회사사이트</b>에서부담없이신용조회를해보셔도됩니다.각신용평가회사별로<b>1년에3회무료로조회가가능</b>합니다.<Br><Br>또한은행같은안전한금융회사에서대출한도나금리를알아본다거나,신용카드발급가능여부를확인할때에도신용점수가하락할까봐걱정하지않아도됩니다.<br><Br><h2>그래도주의해야할점!</h2><p>아무리신용조회가신용도에영향을미치지않는다고해도,안전하지못한사이트에서신용조회를하는것은가급적피하는게좋습니다.돈이필요해서인터넷광고등을보고대출조회를했는데그날이후로대출관련스팸문자가계속날라와서고생한경험을해보신분들계시죠?이는대출조회과정에서누군가가휴대폰번호정보등을유출해서불법적인광고를하는데에다팔아넘긴것입니다.<br><br>이렇게한번전화번호가유출되면한곳에만팔리는게아니고여기저기로계속팔려다녀서스팸문자,스팸전화가쉽게줄어들지않습니다.그러므로그런피해를입지않으려면안전한신용평가회사나대형금융회사의사이트에서신용조회를하시는것이좋습니다.<br/><hr/><br><h1>어플을통해무료로,안전하게신용조회를할수도있다!</h1><p>자산관리어플'뱅크샐러드'에서는,자신의신용점수를최초1회본인인증을하고나면,횟수제한없이<b>무료로</b>확인할수있습니다.<br/><Br/>-<b>본인의신용점수를조회</b>하는것이므로<b>신용점수에영향이없고</b><br>-<b>신용평가회사인KCB(올크레딧)</b>의점수를조회하는것이므로개인정보유출등에있어서<b>안전</b>합니다.<br>-마지막으로,신용평가에가산점을제공하는서류(건강요금납부내역,국민연금납부내역등)를신용평가사에제출해<b>신용점수를올리는것</b>을도와줍니다.<br/><divclass="contents__detail__image__containergreater-than-mobile"><ahref="https://banksalad.com/app-link/?utm_source=BS_WEB&utm_medium=BS_WEB_magazine&utm_campaign=181201_BS_WEB_magazine_22"onclick="ga('send','event','신용조회를하면신용점수가떨어질까','이동_앱','이동_최하단배너');fbq('trackCustom','이동_앱',{timeStamp:newDate(),category:'신용조회를하면신용점수가떨어질까',label:'이동_최하단배너'});"target="_blank"><imgalt="신경꺼도내돈관리뱅크샐러드"src="https://cdn.banksalad.com/entities/etc/1543803934964-%E1%84%90%E1%85%A9%E1%86%BC%E1%84%89%E1%85%B5%E1%86%AB%E1%84%8B%E1%85%AD%E1%84%80%E1%85%B3%E1%86%B7%2C%20%E1%84%80%E1%85%A9%E1%86%BC%E1%84%80%E1%85%A9%E1%86%BC%E1%84%8B%E1%85%AD%E1%84%80%E1%85%B3%E1%86%B7%20%E1%84%8C%E1%85%A1%E1%86%AF%20%E1%84%82%E1%85%A1%E1%86%B8%E1%84%87%E1%85%AE%E1%84%92%E1%85%A1%E1%84%86%E1%85%A7%E1%86%AB%20%E1%84%89%E1%85%B5%E1%86%AB%E1%84%8B%E1%85%AD%E1%86%BC%E1%84%83%E1%85%B3%E1%86%BC%E1%84%80%E1%85%B3%E1%86%B8%E1%84%8B%E1%85%B5%20%E1%84%8B%E1%85%A9%E1%86%AF%E1%84%85%E1%85%A1%E1%84%80%E1%85%A1%E1%86%AF%E1%84%81%E1%85%A1_%20%281%29.png"></a></div><divclass="contents__detail__image__containerless-than-mobile"><ahref="https://banksalad.com/app-link/?utm_source=BS_WEB&utm_medium=BS_WEB_magazine&utm_campaign=181201_BS_WEB_magazine_22"onclick="ga('send','event','신용조회를하면신용등급이떨어질까','이동_앱','이동_최하단배너');fbq('trackCustom','이동_앱',{timeStamp:newDate(),category:'신용조회를하면신용점수가떨어질까',label:'이동_최하단배너'});"target="_blank"><imgalt="신경꺼도내돈관리뱅크샐러드"src="https://cdn.banksalad.com/entities/etc/1543804016918-%E1%84%90%E1%85%A9%E1%86%BC%E1%84%89%E1%85%B5%E1%86%AB%E1%84%8B%E1%85%AD%E1%84%80%E1%85%B3%E1%86%B7%2C%20%E1%84%80%E1%85%A9%E1%86%BC%E1%84%80%E1%85%A9%E1%86%BC%E1%84%8B%E1%85%AD%E1%84%80%E1%85%B3%E1%86%B7%20%E1%84%8C%E1%85%A1%E1%86%AF%20%E1%84%82%E1%85%A1%E1%86%B8%E1%84%87%E1%85%AE%E1%84%92%E1%85%A1%E1%84%86%E1%85%A7%E1%86%AB%20%E1%84%89%E1%85%B5%E1%86%AB%E1%84%8B%E1%85%AD%E1%86%BC%E1%84%83%E1%85%B3%E1%86%BC%E1%84%80%E1%85%B3%E1%86%B8%E1%84%8B%E1%85%B5%20%E1%84%8B%E1%85%A9%E1%86%AF%E1%84%85%E1%85%A1%E1%84%80%E1%85%A1%E1%86%AF%E1%84%81%E1%85%A1_.png"></a></div>