Korea’s first personalized credit management service launched
A monthly membership fee of ₩1,900… Financial fraud compensation up to a maximum of ₩10 million

Viva Republica, the operator of the financial super app "Toss," partnered with NICE Information Service (NICE) to launch the “Credit Subscription Service” membership service.

The Credit Subscription Service is Korea’s first personalized credit management service launched by Toss and NICE. For a monthly membership fee of ₩1,900, the service provides customized and specific solutions on how to improve credit scores based on an individual’s loan and card usage history. Additionally, users can calculate how their credit score would change if they were to take out additional loans.
For example, if a user holds multiple loans, the Credit Subscription Service analyzes NICE’s personal credit data to show which loan to repay by how much and calculates how much their credit score can potentially change. Additionally, users can check how their credit or debit card usage habits impact their score and how managing overdue payments can help increase it.
Users subscribed to the Credit Subscription Service can receive financial fraud compensation benefits. Coverage includes various types of financial fraud such as phishing and hacking, with compensation amounts adjusted based on their subscription duration, for up to a maximum of ₩10 million.
“The Credit Subscription Service is a unique service in that it provides specific and personalized methods for users to increase their  credit scores,” a Toss representative said. “We will continue to work closely with NICE to ensure Toss users can manage their credit scores easily and accurately.”
Meanwhile, since introducing the first free credit score inquiry service in the industry in 2017, Toss has continued its efforts to support financial consumers in managing their financial lives. Users can check their credit scores based on NICE and KCB standards and apply for credit score improvement services directly from the Toss app. As of May 2024, over 24.5 million users have accessed this service in total.


Korea’s first personalized credit management service launched
A monthly membership fee of ₩1,900… Financial fraud compensation up to a maximum of ₩10 million

Viva Republica, the o

# personalized credit management service

Toss Partners with NICE to Launch “Credit Subscription Service”