Banksalad, a mydata specialist, said on Sunday it confirmed cases of credit score increases of up to 226 points among mid- to low-credit users of its “credit score boosting” service.

Banksalad’s credit score boosting service uses mydata to improve the accuracy of credit score calculations. The company said even thin filers with no actual income or limited financial history can have their data automatically connected through mydata, with non-financial and public data reflected at once, raising the chances of a sharp score increase.

Banksalad said the biggest increase over the past 3 months among mid- to low-credit users with scores of 850 or lower, based on KCB standards, was 226 points.

The user was a man in his 40s whose credit score rose 226 points to 918 from 692, enabling a move into a top-tier bracket by reaching the 900s. Based on pre-screening loan approval data, the analysis showed the expected interest rate could fall 4.6 percentage points to 5.6 percent from 10.2 percent.

The average credit score increase among users with scores of 850 or lower was 20 points, confirming an overall credit improvement effect across the service. Banksalad’s interest rate prediction model shows a 20-point credit score increase can be expected to lower interest rates by an average of 1.3 percentage points.

A Banksalad official said customer benefits through its credit management service are particularly pronounced among mid- to low-credit users. The official added the company will continue using mydata to improve access to financial services and provide a range of services that allow customers to feel tangible financial benefits.