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select count(*) from happy_member_stats where user_id = 'ZeroDebt' AND action_id = '18.207.133.27' AND action_type = 'board_count' AND action_value = 'board_mini_free' AND action_number = '812'
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145 <- ¿À·ù¹øÈ£
INSERT INTO happy_member_stats SET user_id = 'ZeroDebt', action_id = '18.207.133.27', action_type = 'board_count', action_value = 'board_mini_free', action_number = '812', reg_year = '2022', reg_month = '06', reg_day = '25', reg_date = '2022-06-25', reg_date_time = '2022-06-25 04:11:16'
Table './lshcomm/happy_member_stats' is marked as crashed and should be repaired
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[Å©·¹µ÷ Ä®·³ 5] ½Å¿ëÁ¡¼ö´Â ¾î¶»°Ô °áÁ¤µÇ³ª? (¸¶Áö¸· Ç׸ñ FICO Factor #5)
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[Å©·¹µ÷ Ä®·³ 5] ½Å¿ëÁ¡¼ö´Â ¾î¶»°Ô °áÁ¤µÇ³ª? (¸¶Áö¸· Ç׸ñ FICO Factor #5)
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FICO's 5 factors: The 5 Components of a FICO Credit Score (5´ë FICO Å©·¹µ÷ ½ºÄھƠÆò°¡±âÁØ)


 

 

5.      Number of Inquiries & New Credit (½Å¿ëÁ¶È¸ È½¼ö & ½Å±Ô Å©·¹µ÷) 10%

 

FICO ½Å¿ëÁ¡¼ö 5´ë Æò°¡¿äÀΠÁß¿¡¼­ ¸¶Áö¸· ´Ù¼¸¹øÂ°ÀΠ½Å¿ëÁ¶È¸ È½¼ö´Â Àüü Æò°¡±âÁØ¿¡¼­ 10%ÀÇ ºñÁßÀ» Â÷ÁöÇÏÁö¸¸ Ç×°£ÀÇ ¿ÀÇØ¿Í ³¶¼³ÀÌ °¡À堺кÐÇÑ Æò°¡±âÁØÀ¸·Î ¸¹Àº ºÐµéÀÌ ÀÚÄ© ±×¸©µÈ Æí°ßÀ» °¡Áú ¼ö Àִ Ç׸ñÀ̶󼭠Á» ´õ »ó¼¼È÷ ¼³¸íÇØµå¸±·Á°í ÇÕ´Ï´Ù


FICO Á¡¼ö¿¡ 10% Æò°¡±âÁØÀ¸·Î ¹Ý¿µµÇ´Â ½Å¿ë Á¶È¸¼ö¸¦ º¸´Â °üÁ¡Àº,

 

°¡Àå ÃÖ±Ù¿¡ ½Å±Ô·Î ½ÃÀÛÇÑ Å©·¹µ÷ Á¶È¸¼ö¿Í

Àüü °èÁ¼ö¿¡¼­ Â÷ÁöÇϴ ºñÁßÀ»

Á¾ÇÕ Æò°¡Çؼ­ Å©·¹µ÷ Á¡¼ö¸¦ »êÁ¤ÇÕ´Ï´Ù.

 

Áï, Lender µéÀÌ ½Å¿ëÆò°¡±â°ü¿¡ ½Å¿ëÁ¶È¸¸¦ ÀÇ·ÚÇÑ ½ÃÁ¡¿¡¼­ ÇØ´ç °í°´ÀÇ ÃÖ±ÙÀÇ ½Å¿ëȰµ¿ ±â·ÏµéÀ» ÁßÁ¡ÀûÀ¸·Î °í·ÁÇØ¼­ ½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µÇϰԠµË´Ï´Ù±×·¯¸é °ú°Å ¾ðÁ¦ °ÍºÎÅÍ ½ÃÀÛÇØ¼­ ±×¸®°í ¾ó¸¶µ¿¾ÈÀÇ Á¶È¸±â·ÏÀ» ´ë»óÀ¸·Î Çϴ Áö ±Ã±ÝÇØ ÁúÅÙµ¥¿äÀ̰ÍÀº Å©·¹µ÷ Á¾·ù¿¡ µû¶ó¼­ ¹Ý¿µÇϴ Á¶È¸±â·Ï ±â°£ÀÌ ´Ù¸£°í¶ÇÇÑ ½Å¿ëÆò°¡±â°üº°·Î ±×¸®°í Lenderº°·Î °¢°¢ ´Ù¸£°Ô Ãë±ÞÇØ¼­ ¹Ý¿µÇÕ´Ï´Ù. Rules of Thumb Àº °¡Àå ÃÖ±ÙÀÇ Á¶È¸±â·ÏºÎÅÍ °Å½½·¯ ¿Ã¶ó°¡ Áö³­ 6°³¿ù¿¡¼­ 2³â°£ ½Ç½ÃµÈ ¸ðµç Hard Inquiry °¡ ÀÚ½ÅÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ±â·ÏÀ¸·Î ³²¾Æ¼­ ·»´õµéÀÌ ½Å¿ëÆò°¡ Á¶È¸½Ã º¼ ¼ö ÀÖ°Ô ÇØµÓ´Ï´Ù

 

·         ÇöÀç °³¼³µÈ Àüü °èÁÂÀÇ ¼ýÀÚÀû ¹ß¶õ½º

·         ÃÖ±Ù ½Å¼³ÇÑ °èÁ °¹¼ö (New Credit)

·         ÃÖ±Ù Ä«µå °³¼³À» À§ÇØ ½ÃµµµÈ ÃÑ Á¶È¸±â·ÏÀǠȽ¼ö

·         Last Inquiry ½ÃÁ¡¿¡¼­ °æ°úµÈ Á¶È¸±â°£

·         ½Å±Ô°èÁ ±Ý¾×ÀÇ Àüü ºñÁß

·         Negative info ¿¡¼­ Positive  Info·Î º¯È¯µÈ ½Å¿ë°èÁ ±â·Ï


µ¹Ç³Á¶È¸ (Flurry of Inquiries)?

 

 

ÀºÇàÄ«µå»çÀÚµ¿Â÷ȸ»çº¸Çèȸ»ç¼¿Æùȸ»çÀÎÅͳݠ±×¸®°í Utility È¸»ç¿¡¼­ Credit Bureau (or Credit Reporting Agency) ¿¡ °í°´ÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¸¦ ÁÖ¹®ÇϰԠµÇ¸é Hard Inquiry (Á¶È¸¼ö)·Î Ä«¿îÆ®µË´Ï´Ù¸¸¾à°©Àڱ⠴ܱⰣ ¾È¿¡ ½Å±Ô ½Å¿ëÄ«µå °ü·Ã Inquiries ¹ß»ýÀÌ ±ÞÁõÇϸé Flurry of Inquiries (µ¹Ç³Á¶È¸)·Î °£ÁֵǾî Lender µéÀº ½ÅûÀÚ¿¡°Ô Financial Troubles ÀÌ À־ ÁöºÒ»óȯ´É·Â ÀÌ»óÀ¸·Î ½Å¿ëÀ» ¾ò¾î¼­ µ·À» ºô¸®·Á ÇÑ´Ù°í º¸°í Higher Risk ·Î Ãë±ÞÇÏ¿© ½Å¿ëÁ¡¼ö¿¡ Red Flag °¡ ¿Ã·ÁÁö°Ô µË´Ï´Ù.

ÀÌ·± »ç½ÇÀ» ¸ð¸£´Â Ã¤¾î¶² ºÐÀº ÇÑ ÀºÇà¿¡¼­ Ä«µå¹ß±ÞÀ» °ÅÀý´çÇϰԠµÇÀڹٷΠ´Ù¸¥ ÀºÇà¿¡¼­ ½ÅûÀ» ½ÃµµÇß°í ¿ª½Ã ½ÂÀÎÀÌ µÇÁö¾ÊÀÚ ¶Ç´Ù½Ã ¿ù¸¶Æ®¿¡¼­ º£ÀÌij³ªµð¾ð Å¸À̾îÇ»ÃĘ· µî °ÅÀÇ 10°³ Á¤µµÀÇ ÀºÇà°ú ½ºÅ侯¸¦ ¹æ¹®ÇÏ¿© ½Å¿ëÄ«µå ¹ß±Þ ½ÅûÀ» ½ÃµµÇßÁö¸¸ °á±¹Àº ¸ðµÎ °£´ÜÈ÷ ºñ½ÂÀεǾú½À´Ï´Ù.

¸îÀÏÈÄ ÀüÈ­»ó´ãÀ» ÇØ¿À¼Ì´Âµ¥ ¾Ë°íº¸´Ï Áö³­ 7Àϵ¿¾È¿¡ ¹ß»ýÇß´ø ÀÏÀ̶ó°í Çϼ̽À´Ï´ÙÀ̰°Àº µ¹Ç³Á¶È¸´Â ½Å¿ëÁ¡¼ö¸¦ ¹Ù´ÚÀ¸·Î ¶³¾î¶ß·Á¼­ Çѵ¿¾È ½Å¿ë°Å·¡È°µ¿À» ÇÒ ¼ö ¾ø°Ô ÇÕ´Ï´ÙÀÌ·²¶§¿¡´Â Àû¾îµµ 6°³¿ù ÀÌ»óÀ» ±â´Ù¸®¸é¼­, Credit Bureau ¿¡ º»ÀÎÀÇ Å©·¹µ÷ ¸®Æ÷Æ®·Î Hard Inquiry °¡ Àý´ë·Î ¹ß»ýµÇÁö ¾ÊÅä·Ï Çϴ °ÍÀÌ ÃÖ¼±ÀÇ ÇØ°áÃ¥ÀÔ´Ï´Ù¾à 180ÀÏÀÌ Áö³ª¸é ±× µ¹Ç³Á¶È¸ ±â·ÏÀº »èÁ¦µÇ°Ô µË´Ï´Ù. “±ÞÇϸ頵¹¾Æ¼­ °¡¶ó” ´Â ¸»ÀÌ µÇ°Ú½À´Ï´Ù 

¶Ç ´Ù¸¥ µ¹Ç³Á¶È¸ÀÇ ÀÌÀ¯·Î´Â »õ·Î¿î °÷À¸·ÎÀÇ ÀÌÁÖ°¡ ÇØ´çµÇ°Ú½À´Ï´Ù. 

»õ·Î¿î µµ½Ã·Î À̻縦 ¿Â °æ¿ì¶ó¸é ¸ÕÀú ´çÀå »ì°÷ÀÌ ÇÊ¿äÇÏ´ÏÁý¸ð±âÁö ¼îÇο¡¼­ ¶Ç´Â ¾ÆÆÄÆ® ·»Å»À» À§ÇÑ Landlord ÀÇ ½Å¿ëÁ¶È¸¸¦ ¼±µÎ·ÎÀÚµ¿Â÷ À¶ÀÚÂ÷·»Å» ±×¸®°í °¢Á¾ Utility Company µéÀÇ Àü±â°³½ºÀÎÅͳÝÇÚµåÆÝÁýÀüÈ­ÄÉÀ̺íȸ»ç µî¿¡¼­ÀÇ ½Å¿ëÁ¶È¸°¡ ÇÑ´ÞÀ̳»¿¡ Áúdzó·³ ÆøÁÖÇÒ °¡´É¼ºÀÌ ¸Å¿ì Å®´Ï´ÙÀÌ ¸ðµç Á¶È¸ È½¼ö´Â Hard Inquiries À̹ǷΠ°¢°¢ÀÇ Á¶È¸°¡ ½Å¿ëÁ¡¼ö °¨Á¡¿äÀÎÀ¸·Î ¹Ý¿µµË´Ï´Ù. Hard Inquiry ÀÇ ±â·ÏÀº 6°³¿ù¿¡¼­ 2³â°£ º»ÀÎÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ±â·ÏµË´Ï´Ù.
 

A Single Inquiry ¶õ?

 

 

Åë»óÀûÀ¸·Î ÀæÀº ½Å¿ëÁ¶È¸¼ö´Â ½Å¿ëÁ¡¼ö¿Í »ó¹Ý°ü°èÀÌ°í °¨Á¡À» ÃÊ·¡Çϴ °á°ú¸¦ °¡Á®¿É´Ï´Ù.

±×·¯³ª ½Å¿ëÆò°¡±â°üÀÌ ¿¹¿ÜÀûÀ¸·Î Á¶È¸¼ö¿¡ »ó°ü¾øÀÌ ´ÜÀÏ Á¶È¸¼ö (A Single Inquiry) ·Î °£ÁÖÇϴ °æ¿ì°¡ Àִµ¥ ¾Æ·¡¿Í °°½À´Ï´Ù.

Car, Mortgage, ±×¸®°í Student Loans µîÀº Specific Types of Loans (Ư¼öÇÑ ´ëÃâ·Î Ãë±ÞµÇ¾î¼­ ´ç¿¬ÇϰԠ¼ÒºñÀÚ ±Ç¸®·Î¼­ ÃÖÀú ±Ý¸®¸¦ ¾ò±âÀ§ÇØ ¿©±âÀú±â¼­ Loan Shopping Çؼ­ ¾Ë¾Æº¼¼ö ÀÖµµ·Ï ÀÎÁ¤ÇØÁÝ´Ï´Ù¿¹·Î Multiple Mortgage Application À» ÅëÇØ¼­ º¸´Ù ÁÁÀº ÀÌÀڷΠ´ëÃâ½ÂÀÎÀ» ¹ÞÀ» °æ¿ì¿¡ ¸î Ãµ´Þ·¯¿¡¼­ Å©°Ô´Â ¸î ¸¸´Þ·¯±îÁö Àý¾à °¡´ÉÇÏ´Ï ½Å¿ëÁ¡¼ö 5Á¡ °¨Á¡Àº º° ´ë¼ö°¡ ¾Æ´Ï°Ú½À´Ï´Ù.

½ÇÁ¦ÀûÀ¸·Î 14ÀÏ À̳» ¶ó´Â ´Ü±â°£ µ¿¾È ¹ß»ýµÈ Áý¸ð±âÁöÀÚµ¿Â÷ ´ëÃâÇÐÀڱݠ´ëÃâ °ü·Ã Hard  Inquiries ´Â °¢ À¶ÀÚÁ¾·ùº°·Î ÅëÇÕÇØ¼­ Çѹø¸¸ Á¶È¸µÈ Single Inquiry ·Î °£ÁֵǴϠ¾È½ÉÇϼŵµ µÇ°Ú½À´Ï´Ù. 

ÀϷʷΠ¸¸¾à 5±ºµ¥ ÀºÇà°ú ÀÚµ¿Â÷ È¸»ç¿¡¼­ °¢°¢ ÁÖÅà°ú ÀÚµ¿Â÷ ´ëÃâÀ» µ¿½Ã¿¡ 14ÀÏ À̳»·Î Á¶È¸Çß´Ù ¶ó°í °¡Á¤ÇÑ °æ¿ìÀ̰ÍÀº Á¾·ùº°·Î °¢°¢ Á¶È¸¼ö 1ȸ·Î °è»êµÇ¾î ÃÑ ½Å¿ëÁ¶È¸ 2°Ç (Two Hard Inquiries) À¸·Î ±â·ÏµÇ°Ô µË´Ï´Ù.

 

Hard Inquiry ¿Í Soft Inquiry Â÷ÀÌÁ¡?

 

½Å¿ëÁ¶È¸ÀÇ Á¾·ù¿¡´Â Hard Inquiry (Hard Hit, Hard Pull) ¿Í Soft Inquiry (Soft Hit, Soft Pull) 2 °¡Áö°¡ ÀÖ½À´Ï´ÙÁï Å©·¹µ÷ Á¡¼ö¿¡ ¿µÇâÀ» ¹ÌÄ¡°í Á¶È¸ ±â·ÏÀ¸·Î ³²´ÂHard Inquiries ¿Í ¹Ý´ë·Î Å©·¹µ÷ ½ºÄÚ¾î¿Í ¹«°üÇϸç Å©·¹µ÷ ¸®Æ÷Æ®¿¡ ±â·ÏµÇÁö ¾Ê¾Æ Lender µéÀº º¼¼ö¾ø°í º»Àθ¸ º¼ ¼ö ÀÖ´ÂSoft Inquiries ÀÔ´Ï´Ù.


Hard Inquiries´Â ½Å¿ëÁ¡¼ö °¨Á¡¿äÀÎ

 

 

Hard Inquiry ´Â ¼ÒºñÀÚ°¡ Å©·¹µ÷À» ¾ò¾î¼­ µ·À» ºô¸± ¸ñÀûÀ¸·Î ´ëÃâ/À¶ÀÚ ½ÅûÀ» ÇÒ¶§ Lender µéÀÌ Å©·¹µ÷ ºä·Î¿¡ ±× °³ÀÎÀÇ ½Å¿ëÁ¶È¸¸¦ ÀÇ·ÚÇÒ¶§ ¹ß»ýµÇ´Â Á¶È¸ ±â·ÏÀÔ´Ï´ÙÀÌ Á¶È¸¼ö´Â ½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µµÇ°í Á¶È¸ È½¼ö ¸¸Å­ Å©·¹µ÷ Á¡¼öÀÇ °¨Á¡¿äÀÎÀ¸·Î ÀÛ¿ëµÇ´Â °ÍÀÌ ÀϹÝÀûÀ̳ª ¿¹¿Üµµ ¹°·Ð Á¸ÀçÇÕ´Ï´Ù´ëÇ¥Àû Hard Inquiries ´Â Å©·¹µ÷À» ¾ò±â À§ÇÑ ¸ðµç Á¾·ùÀÇ ½Å¿ëÁ¶È¸¸¦ Æ÷ÇÔÇϸ砾Ʒ¡¿Í °°½À´Ï´Ù.

ÀϹݠ½Å¿ëÁ¶È¸ÀΠCredit Card Application Àº Á¶È¸ °Ç¼ö ¸¶´Ù ½Å¿ëÁ¡¼ö°¡ °¨Á¡µÇ°íƯ¼ö ½Å¿ëÁ¶È¸ÀΠMortgage Loan °ú Car Loan Àº 14ÀÏ À̳»¿¡ ¹ß»ýµÈ Á¶È¸¶ó¸é °¢ Å©·¹µ÷ ¸ñÀûº°·Î È½¼ö¿¡ »ó°ü¾øÀÌ °¢°¢ÀÇ Á¾·ù¸¦ ¹­¾î¼­ ´ÜÀÏÁ¶È¸ (A Single Inquiry) ·Î °£ÁֵǾ °¨Á¡µµ 5Á¡ ¹Ì¸¸À¸·Î ¹ÌºñÇϰԠ¹Ý¿µµË´Ï´Ù 

±×·¯³ª »ó¼úÇÑ Flurry of Inquiries ´Â °©ÀÛ½º·± ¼Ò³ª±â³ª µ¹Ç³Ã³·³ ±ÞÁõÇÑ Hard Inquiries ·Î ½ÅûÀÚÀÇ ÀçÁ¤À§±â (Financial Difficulties) ·Î °£ÁֵǾî Higher Risk (Red Flag) ·Î Ãë±ÞµÇ¾î Ä¡¸íŸ°¡ µË´Ï´Ù.

 

Soft Inquiry ´Â ½Å¿ëÁ¡¼ö¿Í ¹«°ü

 

 

À§¿Í´Â ¹Ý´ë·ÎSoft Inquiry ´Â Å©·¹µ÷À» È¹µæÇϱâ À§ÇÑ Á¶È¸°¡ ¾Æ´Ï°í Informational Purpose ·Î Á¶È¸¸¦ ÇÒ¶§ ¹ß»ýµÇ¹Ç·Î °³ÀΠ½Å¿ëÁ¡¼ö¿Í´Â ÀüÇô »ó°üÀÌ ¾ø´Â Á¶È¸ ±â·ÏÀÔ´Ï´Ùµû¶ó¼­ ¼ÒºñÀÚ º»Àθ¸ÀÌ º¼¼öÀִ Á¶È¸ ±â·ÏÀ̸ç Lender µéÀÌ º¸´Â Credit Report ¿¡´Â ³ªÅ¸³ªÁö ¾Ê½À´Ï´Ù.

Soft Inquiries ÀÇ ¿¹·Î´Â ¾Æ·¡¿Í °°½À´Ï´Ù.

              An individual checking your own credit report (ÀÚ°¡½Å¿ëÁ¶È¸)

              ÀºÇàÄ«µå»çÀÇ ±ÝÀ¶ Promotional Offer ¿¡ ÀÚ°Ý¿©ºÎ½É»ç (Preapproved Credit Offer)

              Credit Limit À» ¿Ã·ÁÁÖ±â À§ÇØ ÀºÇàÀÌ ¿­¶÷ÇØº» °æ¿ì

              °³ÀΠºñÁö´Ï½º°³ÀÎÁ¤º¸¸¦ ¾÷µ¥ÀÌÆ®Çϱâ À§ÇØ ÀºÇà¿¡¼­ ¿­¶÷ÇÑ °æ¿ì

              ±âÁ¸ °Å·¡ÀºÇà¿¡¼­ ±âÁ¸ÀÇ ´ëÃâ°èÁ¿¡ ´ëÇÑ Account Review Inquiry ¸¦ ½ÅûÇÑ °æ¿ì

              Employer’s Credit Checks

              º¸Çèȸ»çÀÇ ½Å¿ëÁ¶È¸


[Å©·¹µ÷ Á¡¼ö ¿Ã¸®±âGolden Rule 5: 

·         Hard Hits¿Í Soft Hits Â÷ÀÌÁ¡ ÀÌÇØÇϱâ.

·         ½Å¿ë Á¶È¸ ±â·ÏÀº 6 °³¿ù¿¡¼­ 2³â µ¿¾È ³²°Ô µÇ¹Ç·Î Àϳ⿡ 1~2 ¹øÀÇ Hard Inquiry ·Î Á¦ÇÑÇØ¼­ °ü¸®.

·         ½Å¿ëÄ«µå°¡ ÇÊ¿äÇÏ´Ù¸é 1³â¿¡ ½Å±ÔÄ«µå ½ÅûÀº 1°³ Á¤µµ·Î Á¦ÇÑÇÒ °Í. (2°³ ÀÌ»óÀº °¨Á¡¿äÀÎ)

·         ¸ð±âÁöÀÚµ¿Â÷ À¶ÀÚ¸¦ À§ÇÑ Multiple Credit Applications (Loan Shopping) Àº 14ÀÏ À̳»·Î ³¡³»¾î¾ß A Single Inquiry ·Î Ã³¸®µÇ´Â Á¡¿¡ À¯ÀÇ 


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Disclaimer:    This is not intended as legal advice. This is offered for informational purposes only.     

¹ý¹«»ç SUNNIE JUNG  Licenced Paralegal | Financial Restructuring Specialist      

1.888.510.ZERO (9376) | 647.560.HOPE (4673) | info@zero-debtcanada.com | www.zero-debtcanada.com | www.4debtors.ca      

 

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