Ziva kuti chii uye zvinorevei
Nhoroondo
FICO yakagadzwa muna 1956 neine injini Bill Fair uye nyanzvi yemasvomhu Earl Isaka uye pakutanga ainzi Fair, Isaac, uye Company.
Chinangwa chepakutanga, maererano newebsite yedu, chakanga chiri chokuvandudza zvisarudzo zvebhizimisi nekushandisa dhiyabhorosi. Vakagadzira kutanga kwavo chikwereti scoring system muna 1958. Muna 1991, zvikwata zveFICO zvakawanikwa kune vatatu vakuru vakuru vekubhadhara chikwereti, uye muna 1995, Fannie Mae naFreddie Mac vakanga vachikurudzira kushandiswa kwezvikwata zveFICO zvekutenga chikwereti. Muna 2009, kambani yakashandura zita rayo uye zita rechigadzirwa kuFICO.
FICO 9
Kubva muna 2018, shanduro yakapfuura yeFICO chikwata, FICO 9, inopedza kukanganisa kwechikwereti chezvechiremba pamushambadzi wekwereti. Havasi vese vanokweretesa vanoita zvitsva zveFICO zvekupedzisira nenzira imwe chete, saka vamwe vangaramba vachishandisa zviyero zvinorema chikwereti chechiremba zvakashata.
Aya matatu matatu emakadhi echikwereti -Equifax, Experian, uye TransUnion-imwe neimwe inotora zvidzidzo zveFICO zvichienderana nemashoko muhuwandu hwemashoko avo vanoramba vachiita chikwereti chenhoroondo yako. Zvikamu zvakabva pana 300-850, uye iwe une imwe kubva kune imwe neimwe yezvikwereti zvitatu zvemari .
Nenzira dzakawanda, zvikwata zvepamusoro zvinopfuura 700 zvinoonekwa sezvakanaka, asi zvikwata zvinopfuura 750 zvinoonekwa sezvakanaka. Zvikamu zvishoma kudarika 650 zvinowanzoonekwa sezvisizvo, uye zvikamu zvishoma kupfuura 600 zvakaipa. Zvakakosha kunzwisisa, zvakadaro, kuti vateresi vakasiyana vanove nemaonero akasiyana, uye vose vari kutarisa pane zvakasiyana-siyana pamusoro pekwereti yako yekwereti.
Somuenzaniso, chikamu cha 675 chinogona kukubvumira kuti uwane mari yekubhadhara mari, asi inogona kunge iri chikonzero nei sarudzo yako yemhando chaiyo yekadhi rechikwereti yakarambwa.
The Factors
Yako FICO chikamu chakavakirwa pazvikamu zvishanu zvemashoko
- Iyo nguva yekubhadhara mari yako inobhadhara 35 kubva muzana yemakero ako. Uyu mubvunzo wakajeka wekuti iwe kana kwete iwe unobhadhara zvikwereti zvako nenguva. Kana zvikwereti zvanyanyisa, ndezvi 30, 60, kana 90-pamwe nemazuva zvishoma? Une chero nhoroondo dzakatumirwa kumakokani? Wakambove nekukanganisika here kana kuti kusati kwaitika? Kana uine mararamiro asina kunaka uye unowedzera zvakanyanya, huwandu hwako huchawedzerwa.
- Nhamba ye chikwereti chaunofungidzira makumi matatu kubva muzana chepuro yako. Chinhu chinokosha neizvi ndicho chikwereti chako chekushandisa mari. Semuenzaniso, chikoro chako chinowanzove chakanaka kana usingashandisi zvinopfuura makumi matatu kubva muzana zvekwereti yako iripo. Semuenzaniso, kana iwe une makadhi emakadhi pamwe nemiganhu yakabatana ye $ 10 000, chikoro chako chichave chakakwirira kana uchichengeta zviyero zvako zvakabatanidzwa zvisingasviki ne $ 3,000.
- Nguva yekwereti yako yekwereti ye 15 muzana yemakero ako. Chaizvoizvo, wave uine maakare ako kwenguva yakareba sei? Kana iwe wakanga uchishandisa chikwereti kwemazana emakore uye uchiita saizvozvo zvine hanya, iwe uchange uine mapeji akakwirira kudarika mumwe munhu ane pfupi pfupi yemari chikwereti. Ichi ndicho chikonzero chakanaka kuchengeta kadhi rechikwereti rakazaruka kunyange kana iwe usisashandise.
- Nhamba yezvikwereti zvekwereti munguva pfupi yapfuura iwe wakatumira zvigaro zve 10 muzana yepuroko yako. Kana iwe ukanyorera chikwereti kazhinji, iwe uchaonekwa sechinhu chinotyisa, uye iwe uchange uine chikamu chezasi. Pfungwa iri shure iyi ndeyokuti kana vanhu vari kutsvaga mari yakawanda yechikwereti, vangave vachitambura nematambudziko ekuyerera kwemari, izvo zvinoita kuti zvive nyore.
- Mhando dzeakabhadhare iwe wakabhadhara 10 muzana yemakero ako. Izvo zvakanyanya kusanganiswa kwekambani dzaunazvo, zviri nani kuti chikamu chako chive nani.
Checking Your Score
Iwe unogona kutarisa zvikwata zvako zveFICO kubva kune zvitatu zvakakura zvikwereti zvekwereti nekushanyira myFICO.com. Dzimwe mabhengi, zvikwereti zvemari, uye kadhi rechikwereti zvinokonzera kusanganisira pachena FICO chikamu nemashoko ako emwedzi.