FICO & FAKO Chikoro Chikoro

Kunzwisisa Kusiyana

Chikwere chikwere chinogona kuva chinokanganisa. Pane chero webhusaiti yakapiwa, bhulogi, kana bhuku, unogona kuona izwi rechikwereti chikoro. Kana iwe unogona kuona FICO chikamu. Zvadaro, pane VantageScore itsva. Kunyange zvakadaro, kune imwe chikwereti chikoro nguva iyo yakakandwa pasi mumablogi eIndaneti uye maforamu - FAKO chikamu. Ndezvipi izvi zvose zvakasiyana uye zvinorevei? Ndeupi uyo "wakarurama" mumwe?

Credit Score is Generic Term

Ngatitangei pakutanga.

Funga nezve "chikwereti chikwereti" sezwi rechiito rinoshandiswa kureva huwandu huwandu hwakapiwa chikwereti chenhoroondo yako . Chikwereti chako chikamu chinotarirwa uchishandisa ruzivo rwakanyorwa mumutauriri wako wekwereti uye inoratidza kana iwe wakaipa (pasi pekwereti chikwata) kana yakanaka (yakakwirira chikwereti) chikoro chekwereti.

Kune makambani akawanda anotengesa zvikwereti chikoro, uye chimwe chezvikamu zvitatu zvinokweretwa mari yechikwereti ine shanduro yake yekodhi yemakadhi. Uyezve, hurukuro huru yechikwereti yakabatanidzwa uye yakasvika nechechi yavo yemari yechikwereti, Vantage Score .

FICO inonzi Brand of Credit Score

Iko FICO chikamu ndechekuti ndiyo inonyanyozivikanwa chikwereti chikwereti. Icho chinonzi chikwereti chikoro, chakagadzirwa uye chinotarisirwa nekambani inonzi FICO, yaimbova Fair Isaac. Nokuti maanorical-minded - chikwereti chikwereti ndeye FICO sebhapage ndeyeBan-Aid. Kuita kuti zvinhu zviwedzere kuvhiringidza: apo vanhu vanoti chikwereti chikwereti, ivo vanowanzotaura nezveFICO chikamu, asi vangangodaro vachireva nhamba ipi zvayo yezvikwereti zvikoro kunze uko.

Zvakadini neFAKO?

FAKO chikamu ishoko rinoreva chero chikwereti chekwereti hachisi chikamu cheFICO. Kana iwe wakatenga chikwereti chako chikwereti kubva kupi zvako kunze kweMyFICO.com, zvino ndicho chikamu cheFAKO. Izvi zvikwereti zveFAKO ndezvezvikonzero zvekudzidzisa chete uye hazvirevi hazvo zvinoratidza zvikwereti izvo vanokweretesa vashandise chaizvo kushandisa maitiro enyu.

Kunyange FICO nhamba yakatengwa paIndaneti inogona kunge isina kufanana kune iyo yako chikwereti inoshandisa nokuti panewo maBhaibheri akawanda eFICO score, zvinyorwa zvezvikwata zvakasiyana-siyana, uye zvinyorwa zvekare zvakatangwa makore akapfuura.

Chii chakasiyana?

Sezvatinoziva, zvikwereti zvose zvekwereti zvinowanzoverengwa zvakafanana, kunze kweVantageScore iyo inopa zviyereso zvakasiyana kune zvichemo zvehupfumi. Sezvo tisingakwanisi kuona zvakanakira kambani imwe neimwe, zvakaoma kufungidzira kusiyana kwakasiyana.

Vanokweretesa nevakweretesi vanoshandisa chikwereti chekwereti kubva kune kambani yavo vane ukama hwebhizimisi. Inogona kuva chikoro chekwereti chekwerekiti, chikamu cheFICO, kana kuti chikwereti chemari chikwereti. Nzira imwe chete yekuziva nayo ndeyokuti iwe anokupa chikwereti akuudze.

Munhu wese anokweretesa uyo anoramba kana kukumbira kwako kana kuti anokubvumirana nemashoko mashoma anodiwa anotumira kopi yako yakasununguka yekwereti yako chikoro kana iwe chikwereti chikoro ndicho chikonzero chechigadziro ichocho.

Ndechipi Chandinofanira Kuchengeta?

Kune zvikwereti zvakasiyana-siyana zvakasiyana-siyana kune iwe unoedza kuvandudza vose zvavo pachavo. Kana uri kushanda pakuvandudza chikwereti chako, shandisa chikwata cheFICO sechinhu chako. Kana iwe uchitarisa kuunza zvikwata zvako zveFICO, imwe ye "FAKO" scores ichauya zvakare.

Cherechedza kuti iwe unogona kungotenga FICO yako puropu zvichienderana neEidifax uye TransUnion credit report data. Experian haasabvumi FICO kutengesa vatengi chikwereti chikoro chinobva kuWean's's credit report information.