Chirongwa cheKwereta Kwaunoita Chikamu uye Chikamu
Wati wakambozvibvunza here kuti vatengi vanoziva zvakadini nezvekwereti chenhoroondo yako? Uye kuti chikwereti chekwereti chingaita sei chisarudzo chekubvumira chikumbiro chako mune imwe nyaya yemasekondi? Nokuti nekuda kweshumo yako yechikwereti uye chikwereti chenhamba yako - zvinhu zviviri zvinokwereta nevakweretesi vanoshandisa kuita zvisarudzo pamusoro pako.
Chii Chikwereti?
Nhoroondo yekwereti yekwereti yekwereti yekwereti yako uye maitiro awakachengetedza sei, kusanganisira iwe wakabhadhara nguva nenguva.
Marikiti yemitero inowanzobatanidza makadhi emakwereti, zvikwereti, mamwe mabhizimusi ezvokurapa asina kubhadhara, zvikwereti zvezvikwereti, uye zvinyorwa zvepachena zvakadai sekufananidzira kana kudzorera.
Mukuwedzera kune chikwereti chako, ruzivo rwekwereti yako rinosanganisira ruzivo rwemunhu, mazita ako emarenda uye apfuura, uye yako ikozvino kana yekupedzisira anozivikanwa nomushandi. Ruzivo rweunhu pachako runosanganisira zita rako uye dzimwe shanduro dzezita rako uye zuva rako rokuberekwa. Vanhu vane chikwereti vachashandisa ruzivo urwu kuti vimbise huzivi zvako asi kazhinji haazoiti zvisarudzo pamusoro pekushanda kwako kunongobva paya ruzivo.
Izvo zvizhinji zvehupoti yako yekwereti inopa ruzivo rwakakwana pamusoro pemakadhi ako ekwereti nemarikwereti. Pamakadhi emakwereti, muyero wako, chikwereti chekwereti, rudzi rwekombiyiti, chiitiko chebhuku, uye mutero wekubhadhara zvose zvakabatanidzwa pamushumo wekwereti yako. Miharanho yezvikwereti, chikwereti chepakutora chikwereti, uye nhoroondo yekubhadhara inowanikwa pamushumo wekwereti.
Chikwereti mitsara inosanganisira urongwa hwemabhizimisi akangobva kuongorora chikwereti chenhoroondo yako. Izvi zvinowanikwa zvikwereti zvinozivikanwa semibvunzo .
Shanduro yako yemukana wekwereti yako icharatidza mibvunzo kubva kune wese wese akakuvhura mushumo wako wechikwereti mumakore maviri apfuura, kusanganisira mabhizimisi anotarisa mushumo wako wezvinangwa zvekutsvaga. Mushandisi wemari yekwereti yemari yako inoratidza chete mibvunzo yakaitwa kana iwe ukaisa mune rumwe rudzi rwekushanda.
Mari Dhepfenyuro Inogadzirwa Sei?
Chikwereti zvikwangwani zvakasikwa uye zvichengetedzwa nemakambani anozivikanwa semasangano ekubhadhara chikwereti kana mabhizimusi emari. MuUnited States, pane zvitatu zvakakura zvikwereti zvekwereti: Equifax, Experian, uye TransUnion. Apo vanokwereta nevakweretesa vanoongorora chikwereti chenhoroondo yako, vanowanzokwevera mushumo wenyu wechikwereti kubva kune imwe kana zvitatu zvezvikwereti zvekwereti.
Mari yechikwereti mubatsiri nemabhangi nemamwe mabhizinesi kuti uwane ruzivo rwekodha yako. Nguva nenguva, makambani aunoita bhizimisi uye anotumira kana kuvandudza ruzivo rwekambani yako kune zvikwereti zvekwereti. Izvi zvinosanganisira yako kadhi rechikwereti uye vakweretesi uyewo mapato evanhu vatatu vekuunganidza avo vakagadzirirwa kutora chikwereti kune mamwe makambani. Zvikwereti zvekwereti zvinokweverawo mashoko kubva kumunharaunda, mamiriro ehurumende, uye eYouredhi kuti uise mune zvinyorwa zvevanhu chikamu chekwereti yako yekwereti.
Kune mabhizinesi aunosangana nazvo neavo haauyi kune zvikwereti zvekwereti nokuti nhoroondo dzaunazvo hadzisi zvikwereti zvikwereti. Semuenzaniso, makambani anopa magetsi ako, foni, foni, uye webhutoni hazvirevi nguva dzose kuudza kero yako kana kubhadhara kumabhadharo emarikiti. Makadhi akabhadharwa, makadhi okubhadhara, uye kutarisa ruzivo rwekambani hazvireviwo kune zvikwereti zvekwereti uye zvisingabatanidzwi mumushandi wako wekwereti.
Kunyange zvazvo mamwe mabhizinesi asingashandisi ripoti yako yechikwereti nemari yako yemwedzi, vanozozivisa zvikwereti zvikwereti kana iwe ukava kunyanya kuipa pamari yako.
Ndiani Anogona Kuona Mutero Wenyu?
Ndinofara, kwete chero munhu upi zvake anogona kuwana ruzivo rwekwereti yako. Mutemo weBurumende unotaura kuti bhizimisi kana munhu mumwechete anofanira kunge ane "chinangwa chinogamuchirwa" chekuongorora chikwereti chako chekwereti. Kazhinji, izvi zvinoreva kuti bhizinesi rinofanira kudikanwa kuona chikwata chako chekwereti kubvumira chikumbiro chawakagadzira, kuunganidza pane chikwereti, kune zvimwe zvinangwa zvebasa, kutevera nedare redare, kana kunyora inshurensi. Chikamu 604 che Fair Fair Reporting Act chinonyora zvose zvinotenderwa pamutemo zvinotenderwa kuongorora repoti yako yechikwereti.
Iwe une kodzero yekuona yako gwaro rekwereti. Muzvokwadi, mutengi mumwe nomumwe ane kodzero yekubhadhara mushumo wechikwereti wega rega gore negore kubva kune imwe sangano rekubika chikwereti. Iwe unogona kuraira yako yako yakasununguka kopi yako yeErififax, Experian, uye TransUnion mitsva yechikwereti kuenda kune AnnualCreditReport.com.
Iwe unogona kuwanawo gwaro rechikwereti risina kubhadhara kubva kune chikwereti chekwereti kana wakarambwa nokuda kwekwereti mumazuva makumi matanhatu ekupedzisira (nekuda kwemashoko mubhuku rako rekwereti), hausi kushanda uye unoronga kutsvaga basa mune rinotevera Mazuva makumi matanhatu, iwe panguva ino uri kugamuchira rubatsiro rwehurumende, iwe wakanga uri chibharo chekuzivikanwa, kana kuti une ruzivo rwakashata pamushumo wekwereti yako.
Zvaunofanira Kuita Nezvokudhinda Chikamu Chikwereti
Zvikwereti zvekwereti hazvina kukwana. Handiwo mabhizimisi anotaura kwavari. Zvinowanzoitirwa zvikwereti zvekwereti kuti uine zvikanganiso uye chimwe chezvikonzero zvakanakisisa zvekuongorora chikwereti chako chekwereti ndechekuti uone kuti yakarurama.
Iwe une kodzero yekureva yakarurama chikwereti. Saka, kana iwe ukaona kukanganisa pamushumo wekwereti yako , unogona kukakavadzana nechechikwereti. Iwe unogona kukakavadza kukanganisa kwepaIndaneti, nefoni, kana nekutumira. Kana imwe nzvimbo yekodzero yemagariro inogamuchirwa nharo yako, ivo vachaongorora nenhepfenyuro yemashoko (bhizinesi rakashuma iko kukanganisa) uye kururamisa mharidzo yako yechikwereti inobva pamigumisiro.
Zvakadini Nezvokubhadharwa Kwemazuva Ekupedzisira Kana Zvimwe Zvenhema Zvisiri?
Mashoko asina kunaka , sekukweretesa kwakaderera kana kukonzerwa kwekodhesi, anogona kuiswa pakurongwa wekwereti yako chero bedzi yakarurama. Zvinofadza, ruzivo rwakanyanya ruzhinji ruchanyura kubva mushumo wako wekwereti mushure menguva yakati.
Nyaya zhinji yakaipa inogona kugara kwemakore manomwe, asi mamwe marudzi ehupenyu anogona kugara kwenguva refu.
Kubhadhara kunogona kubatanidzwa pamutero wako wekwereti kwemakore gumi. Mari dzisina kubhadhara mitero inoshushwa nokusingaperi. Kutonga mutongo kunogona kuonekwa kuburikidza nemutemo wenyu wehurumende wekukanganisa , kana nguva iyo inopfuura makore manomwe.
Credit Score Overview
Saka iko kupi chikwereti chako chinokodzera mune izvi zvose?
Zvinogona kuva zvakaoma, kwete kutaura nguva inopedza, yebhizimisi kuverenga kuburikidza neshumo yako yose yechikwereti kuti uite chisarudzo pamusoro pako. Saka, vanoshandisa chikwereti chenhamba yako, nhamba yematarenda matatu nhamba dze "chikamu Chikwereti chako chikwanganiso chiratidzo chinokurumidza chekuti iwe uchasara pane chikwereti chitsva kana chikwereti.
Vashandi vane zvikwereti zvekwereti zvakakwirira vanoonekwa sevasingatengi vatengi kune ngozi kune avo vane zvikwereti zviduku. Zvikwereti zvepamusoro zvekwereti zvinokubvumira kuti uwane mari yakaderera yezvikwereti pamakadhi emakwereti uye zvikwereti, kuderedza mari yekuwana chikwereti. Vashandi vane zvikwereti zvakaderera zvechikwereti vanowanzova nezvikwereti zvepamusoro uye vanogona kurambwa kune mamwe makadhi emakwereti, zvikwereti, uye mamwe mabasa ekubhadhara chikwereti.
Ko Chikwereti Chingaverengwa Sei?
Chikwereti chikoro chakakosha maitiro ekutora mashoko ose muhupoti yako yechikwereti, anoiyera, uye inouya nehamba inomiririra kuti wakachengeta sei zvikwereti zvako zvekwereti. Hatizivi chaiwo chikwereti scoring formula - uye pane mukana wekuti tisazvinzwisise kunyange dai taiziva fomu yacho. Asi isu tinoziva kuti chii chinopinda muchikwereti chekwereti uye kuti zviyero izvi zvinorevei.
Iko FICO chikamu ndechimwe chezvinonyanya kuzivikanwa uye zvakashandiswa zvikwereti zvikwereti. Mushandisi wehuwandu hwepakati dzeFICO mazera kubva pa300 kusvika ku850 uye chikamu chacho chinoverengerwa zvichienderana nezvinhu zvishanu zvinokosha. Nokuti zvimwe zvikamu zvekubhadhara mari yako zvinokosha kupfuura vamwe, zvikamu zvakasiyana zvekwereti yako yekwereti inopiwa zviyero zvakasiyana mukuverenga chikwereti chako. Kunyange zvazvo kuenzanirana kwakakwana kwekuuya nekwereti yako chikwangwani ruzivo rwehupfumi huri neFICO, tinoziva kuti ruzivo rwakashandiswa kuverenga chikoro chako.
Heano zvinhu zvipi zvishanu, zvakakoromorwa nemutoro unopiwa chimwe nechimwe chinhu:
Mari yekubhadhara ndeye 35 muzana: Vatengesi vanonyanya kunetseka pamusoro pekuti iwe kana iwe usingabhadhara zvikwereti zvako nenguva. Chiratidzo chakanaka chezvi ndechekuti iwe wakabhadhara sei zvikwereti zvako munguva yakapfuura.
Kuteerera kwemazuva mashoma, zvikwereti, uye kukanganisa zvose zvinosanganisa mhaka yekubhadhara yekwereti yako chikoro. Mamwe maitiro ekupedzisira akangokuvadza kukuvadza chikwereti chako pane zviya kupfuura zvekare.
Chikwereti chikamu chikamu makumi matatu kubva muzana: Chikwereti chemari yako chaunacho kana uchienzanisa nemari yako chikwereti inozivikanwa sekwereti yekushandisa. Izvo zvinowedzera chikwereti chako - kuswedera kwaunoita kumiganhu yako - yakaderedza chikwereti chako chikwereti chichave. Chengetedza zvikwereti zvekadhi rako rechikwereti panenge makumi matatu kubva muzana zvekwereti chako chekwereti kana pasi.
Utsi hwekwereti yekwereti 15 muzana: Kuva nemakore akawanda emari chikoro kunofadza nokuti inopa mamwe mashoko pamusoro pemari yako yekushandisa. Zvakanaka kuti urege kuzarura nyaya dzawave uine kwenguva yakareba.
Mhinduro ndeyegumi kubva muzana: Nguva imwe neimwe paunoshandisa chikwata chekwereti, kubvunzwa kunowedzerwa kune ripoti rako rechikwereti. Zvimwe zvizhinji zvikumbiro zvekwereti zvinogona kureva kuti iwe uri kutora chikwereti chakawanda kana kuti uri mune mamwe mararamiro emari. Apo mibvunzo inogona kuramba iri pamushumo wako wechikwereti kwemakore maviri, chikwereti chako chikamu kuverenga chinongororesa avo vanoitwa mukati megore.
Kusanganiswa kwekwereti ndezana gumi: Kuva nemhando dzakasiyana dzeakaunti kunofadza nekuti zvinoratidza kuti une ruzivo rwekugadzira kusanganiswa kwekwereti. Icho hachisi chinhu chakakosha mukwereti yako chikamu kunze kwekuti iwe hauna zvimwe zvakawanda zvekushandisa iyo inogona kuisa chikoro chako. Vhura zvinyorwa zvitsva sezvaunoda ivo, kwete kungova nezvinhu zvingaita sekusanganiswa kwakanaka kwekwereti.
Imwe nzira yakawanda-yakashandiswa pamakwereti ndeyeVantageScore . Iyi shanduro yemakadhi echikwereti yakagadzirwa nematatu makuru emari chikwereti. Shanduro yakakurumbira yeVantageScore ranges kubva ku300 kusvika ku850, yakafanana neFICO, asi VantageScore's zvinhu zvakasiyana zvakasiyana. Panzvimbo pokutipa zvikamu zvepakati, VantageScore inoratidzira huwandu hwekutungamira chimwe nechimwe chine.
- Payment history: Zvikuru zvakakosha
- Zera uye rudzi rwekwereti: Zvakakosha zvikuru
- Percent yekwereti yechikwereti inoshandiswa: Yakakosha zvikuru
- Zvose zviyero / chikwereti: Zvakanaka
- Ikozvino maitiro echikwereti: Pasi pane simba
- Chikwereti chinowanikwa : Zvakashata zvine simba
Ndokupi Kwaungawana Chikwereti Chako Chakwereta?
Paunenge uine kodzero yekubhadhara mushumo wechikwereti, asi hapana mutemo unoda chikwereti kugovera makambani kuti akupe rusununguko rwekusununguka kune chikwereti chako. Kunyange zvakadaro, zviri nyore kuwana chikwereti chako chekwereti kana kusununguka.
MyFico.com: Iyi ndiyo nzvimbo bedzi iwe unogona kutenga chikamu chako cheFICO. Iwe unogona kuraira FICO yako chikamu chinoenderana neshumo rako rekwereti kuEquifax, Experian, uye TransUnion.
Chero chekubhadharwa mari yechikwereti: Unogona kutenga munhu wako uye 3-mu-1 chikoro chikoro kubva kune imwe yezvikwereti zvekwereti. Mumwe nomumwe ane zvikwereti zvekwereti ane chikwereti chake chekufananidzira uye anogona kunge akasiyana-siyana mumakero enyu emari, kuitira kuti zvikwereti zvekwereti zvive zvakasiyana kubva kune mumwe uye zvinogona kunge zvakasiyana nehuwandu hweFICO.
Free websites credit score websites: Mawebsite matatu aripo zvino anopa zvachose akasununguka, kwete-kubhadhara-inokodzera chikoro zvidzidzo. Ivo ndeKeKeKarma.com, CreditSesame.com, LendingTree.com uye Quizzle.com. Cherechedza chero zvikwereti zvekwereti zvisingabhadhari izvo zvinokumbira kuti uise nhamba yekadhi rechikwereti. Iwe uri kunyoresa mukutsvaga kwekutsvaga kubasa rekucherechedza chikwereti. Kana iwe usingaregereri kutongwa kwapera, kambani inotanga kuripa kadhi rako rechikwereti yebasa.
Chikamu chako chekadhi rechikwereti: Vamwe vane kadhi rechikwereti vanotora chikamu vari kuita basa rutsva reFICO rinobvumira vateeri vemakadhi kuti vaone zvikoro zvavo zveFICO zvakasununguka. Zivhura, Barclaycard, uye First National Bank yeOmaha mune vashoma kadikiti yemakadhi vanobatana. Iwe chete unofanirwa kutarisa zvinyorwa zvako zvepamwedzi kuitira kuti uone chikamu chako cheFICO chazvino.
Ive wakarambwa nekuda kwekwereti kana kubvumirwa nemashoko asingatenderwi : Iyi nzira haisi yeupenzi (kana yakanaka), asi apa ndiyo inoshanda sei. Vatengesi uye makadhi ekubhadhara chikwereti zvino zvinodiwa kutumira kopi yemakadhi echikwereti anoshandiswa muchisarudzo chekuramba chikumbiro chechikwereti kana kubvumira chikumbiro, asi nemashoko mashoma kupfuura ayo akashandiswa. Iwe hausi kuita chero chipi zvacho kuti ugamuchire iyi chikwereti chikoro asi uise mukushanda. Kana iwe uchikodzera, iwe unogamuchira chikwereti chikwereti zvakangoerekana.
Chii Chinonzi Chikwereti Chakanaka?
Kutarisa iwe pachako puroti yako kunogona kuvhiringidza. Mamwe chikwereti mapeji anopa zvipo anokupa tsananguro yekwereti yako chikwereti, kutsanangura kana iwe une chikwereti chakanaka chekwereti, uye kuputsa zvinhu zvinoita kuti uwane chikwereti chako. Dzimwe nguva yose yaunowana ndiyo nhamba uye zviri kwauri kuti uone kana nhamba iyoyo inoreva kuti une chikwereti chakanaka kana chakaipa chikwereti.
Kuramba uchifunga nezvekwereti chikwereti chinowanzobva pa300 kusvika ku850, pano kuputsika kweiyo nhamba dzakasiyana mukati mezera iri dzinoreva:
- 800+: Inoshamisa. Iwe hausi wechirwere chekunyengedza pane chero mvumo mitsva kana zvikwereti. Iwe pachako ungave uine nguva iri nyore kugamuchira kubvumirwa kune chikwereti uye iwe unenge uine chidimbu chechikwereti.
- 799 kusvika ku700: Zvakanaka kwazvo.
- 670 kusvika 739: Zvakanaka. Pane zvishoma zvishoma (asi zvichiri pasi pfupi) ngozi yekutadza. Uine chikwereti chekwereti muhuwandu huno, iwe unofanira kunge uine nguva yakajeka yekuwana chibvumirano chekwereti.
- 580 kusvika ku669: Zvakanaka. Vavengi vane zvikwereti zvechikwereti vane ngozi yakanyanya yekusafa, vakawanda vanorambidzwa kune mamwe makadhi emakadhi uye zvikwereti, kana kana vakabvumirwa, vachava nehuwandu hwekuda.
- 579 uye pasi: Varombo. Izvi zvikwereti zvikwereti zvinoratidza dambudziko guru rekutadza. Iwe uchange uine nguva yakaoma zvikuru kugamuchira kubvumidzwa kune mitsva yechikwereti mitsva nemakero echikwereti munzvimbo iyi.
Kana iwe usina chikwereti chakakosha chekwereti, unogona kushanda kwariri. Kuvandudza chikwereti chako chekwereti nekuita chokwadi chekuti chikwereti chekwereti chakange chisina kukwana, kubata pamitambo yakaderera, kuita zvikwereti zvako zvegore negore nenguva, kuderedza zvikwereti zvako zvekadhi rechikwereti, nekudzivirira zvikwereti zvako zvitsva zvekwereti.