Kana iwe wakambotenga matatu-mu-imwe chikwereti chikwereti kana kutora chikwereti chako chepachena kubva panzvimbo dzakawanda pazuva rimwe chete, ungave wakacherechedza kuti chikoro chako chikoro chakasiyana pakati pezvikwereti zvitatu zvekwereti . Sezvo kana kunzwisisa chikwereti chako chikoro chakanga chisina kuoma zvakakwana, kuva nezvikwereti zvakasiyana-siyana zvinokonzera kuti zvive zvakanyanya. Usanetseke. Kuva nekodzero yakasiyana yezvikwereti zvakajairika; Ndicho chikonzero nei izvozvo zvichiitika.
Zvikwereti zvekwereti zvinoshandisa zvikwereti zvakasiyana zvemari
Pane zvakawanda zvekukwereta zvikwereti uye mumwe nomumwe wavo anogona kukupa imwe chikwereti chikwereti. Semuenzaniso, imwe neimwe yezvikwereti zvitatu zvekwereti inoshandisa mienzaniso yavo yekuverenga chikoro chako chekwereti uye mabhizimisi akashanda pamwechete kuti akure VantageScore . FICO, imwe yezvinonyanya kuzivikanwa zvikwereti zvemakambani, ine kechikwereti chekuchengetedza chikamu. Mabhandi nezvimwe zviitiko zvekuongorora zvinogonawo kunge zvakasiyana zvakasiyana-siyana zvekwereti.
Iko mari yechikwereti uye FICO nguva nenguva inosunungura zvishanduro zvitsva zvezvikwereti zvadzo zvekwereti. Kuberekwa kwekutengesa kwemaitirwo matsva kunogona kunonoka, saka vazhinji vanokweretesa vanoramba vachishandisa mienzaniso yekare.
Zvikwereti zvekwereti zvine zvakasiyana nedhipoti yemari yemari
Zvikwereti zvekwereti zvinounganidza dare zvakasununguka kune mumwe nemumwe - uye kazhinji havazvigoverani. Kwete izvozvo bedzi, vako vane chikwereti nevakweretesi vanogona kuudza data chete kune imwe chete kana mbiri dzezvikwereti zvekwereti.
Saka, yako Equifax, Experian, uye TransUnion zvikwereti zvese zvinogona kutarisa zvakasiyana kubva kune mumwe zvichienderana nemashoko anowanikwa mumushumo wekwereti.
Chimwe chikwereti chechikwereti chinotora chikoro chako chekwereti nedhadharo mune faira rekwereti. Semuenzaniso, Experian anoverenga chikwereti chako chikoro nemashoko muWayan credit report yako.
Saka, kana uine kambani yekuunganidza iyo inowanikwa paTransUnion credit report, asi kwete pane yako Experian credit report, ipapo yako TransUnion chikoro chikoro chingasara.
Ndeipi chikwereti chikwereti chako chaunoshandisa?
Vatengesi vanowanzotanga hukama neye kana kuti akawanda emabhadharo emari. Iwe unogona kubvunza chikwereti chako kubva kune chikwereti chekwereti chinotenga chikoro chezvikwereti (zvinogona kana kuti hazvingakuudze), asi iwe kazhinji haugoni kukumbira kuti wako chikwereti anoshandisa imwe nzvimbo yekwereti kuti awane chikoro chako.
Vazhinji vanokweretesa vanoshandisa chikwata cheFICO chakagadzirwa naFICO, kambani yaimbozivikanwa se Fair Fair. Iwe unogona kutenga FICO yako yepamusoro inobva kuEquifax, Experian, uye TransUnion zvikwereti zvemari kubva ku myFICO.com. (Kwemakore mashomanana, Zviitiko zveWexpan-based FICO zvakanga zvisingawanikwi kutengwa kwevatengi, asi vachangobva kuwanikwa zvakare.)
Kune zvakawanda zvausingazivi nezvazvo
Mukuwedzera kune chikwereti chikoro chaunogona kutenga, pane zvimwe zvishomanana zvimwe zvikwereti-zvikwereti zvikwereti izvo mabhizimisi anokwanisa kuwana izvo zvausingagoni kutenga zvakananga. Somuenzaniso, kune motokari yemotokari yemoto, bankruptcy prediction score, uye mortgage credit score. Aya mazita haaenzani nechinhu chero chipi zvacho chaunotenga paIndaneti nokuti akashandurwa pamabhizimusi iwayo.
Izvo zvikwereti zvikwereti zvaunowana paIndaneti ndezvikonzero zvekuziva chete.
Uri kutarisa chikwereti chako chikwereti chakakosha here?
Kunyange zvazvo chikwereti chekwereti chauri kutarisa chingangodaro hachikwanisi kuenzana nezvikwereti wako chikwereti chinogamuchira, zvichiri kukosha kutarisa chikwereti chako chikoro. Nhamba yako ichakupa pfungwa yakawanda yekuti chikwereti chako chinomirirei, kureva kuti, iwe une chikwereti chakanaka chekwereti kana chakaipa chikoro chikoro. Iwe uchawana chiratidzo chakanaka chekuti iwe unoda kuvandudza chikwereti chako kana kana matambudziko ako ekugamuchirwa kwekadhi rechikwereti kana kuti chikwereti chiri kukufarira. Kana zvichibvira, pfuudza zvishoma chikwereti chimwe chekwereti pane imwe neimwe yezvikwereti zvitatu zvekwereti kuitira kuti iwe uve nepfungwa yemufananidzo wako wekwereti wakakwana.