Kwemakore, vatengi vane ruzivo ruduku (rusina) ruzivo pamusoro pekuti izvi nezvimwe zviito zvisina kunaka zvingakanganisa sei chikwereti chikoro.
Tichivonga FICO yeCredit Credit Problem Comparing, tinoziva zvishoma nezvekuti vangani mapepa acharasikirwa kubva kune dzimwe dzakawanda dzinokanganisa.
Maviri FICO Zviitiko
Kuti tifananidze pfungwa dzakarasika, FICO inotipa maitiro maviri ekufungidzira, mumwe wemunhu ane 680 FICO chikamu uye mumwe weumwe munhu ane 780 FICO chikamu.
Munhu ane 680 score ane:
- Nhanhatu dzinoshingaira zvikwereti zvekwereti, iyo ine zvikwereti zvitatu zvekwereti, chikwereti chemotokari, chikwereti, uye chikwereti chemudzidzi
- Makore masere echikwata chenhoroondo
- A 40% kusvika ku50% mari yekushandisa
- Mamwe maviri okubhadhara mubhadharo: rezuva 90 rekubhadharwa kadhi rechikwereti kubva kumakore maviri apfuura uye rimwe zuva remazuva makumi matatu rebhadharo yemotokari yemakore gore rapfuura
- Kwete nhoroondo dzakatumirwa kumakoshe uye hapana mazhe evanhu (bankruptcy, foreclosure, etc.)
Munhu ane chikamu che780 FICO ane:
- Gumi gumi akashandisa zvikwereti zvikwereti, zvinosanganisira manomwe makadhi emakwereti, chikwereti chemotokari, chikwereti, uye chikwereti chemudzidzi
- Makore gumi nemashanu echikwata chenhoroondo
- 15% kusvika 25% mari yechikwereti
- Kwete kubhadhara kunonoka kwakamboitika
- Hapana zvipo kana zvimwe zvinyorwa zvevanhu
Izvozvo Zvakasiyana FICO Zvikoro Zvinopindura Sei Zvimwe Zvikanganiso
FICO inotitaurira kuti vangani FICO inotaura kuti munhu mumwe nomumwe aizorasikirwa kana akanganisa chero zvikanganiso zvishanu zvekwereti.
- Kubvisa kadhi rechikwereti , munhu ane 680 chikwereti chikwereti aizorasikirwa nepakati pe10 ne30, asi munhu ane chikwereti chekwereti 780 aizorasikirwa nepakati pe25 kusvika ku 45.
- Asina chikwereti chekubhadhara kadhi rechikwereti (zuva remazuva makumi matatu), munhu ane 680 chikwereti chikoro angarasikirwa nepakati pe 60 ne80, asi munhu ane chikwereti chekwereti 780 angarasikirwa nepakati pe 90 ne 110 pota.
- Kubhadhara chikwereti , munhu ane 680 chikwereti chekwereti aizorasikirwa pakati pe 45 ne65 points apo munhu ane chikwereti chekwereti 780 aizorasikirwa pakati pe 140 ne 160 points.
- Kufananidza , munhu ane 680 chikwereti chekwereti aizorasikirwa nepakati pe 85 ne 105, asi munhu ane chikwereti chekwereti 780 aizorasikirwa pakati pe 140 ne 160 pfumbamwe.
- Kunyangarika , munhu ane 680 chikwereti chikoro angarasikirwa pakati pe 130 ne150 points, asi munhu ane 780 chikwereti chekwereti angarasikirwa pakati pe 220 ne 240 points.
Zvakakosha Zvikamu zveFICO Zvidzidzo
Kunyange zvazvo aya maonero ekurasikirwa ari maonero, anotipa ruzivo runokosha pamusoro pekurasikirwa kweFICO:
- Izvozvo zvinokunda chikwereti chako chinowedzera humwe hukuru hunogona kuwira. Iwe ucharasikirwa nehumwe huwandu pane munhu ane chikwereti chechikwereti chechidiki chezviito zvakafanana.
- Pamamwe mapfumbamwe akakanganisa akaratidzwa pamusoro apa, kuwedzera kadhi rako rechikwereti kune zvishoma zvingaita pamakwereti ako. Izvozvo hazvirevi kuti ndicho chikanganiso chinodhura chavose.
- Kushungurudza kunokuvadza chikwereti chako kuwandisa kubva kune iyo inobata maverengi akawanda ekweretheni uye inoratidza zvisina kunaka pamakore ekubhadhara, iyo 35% yeFICO yako chikamu.
Nhamba yako yeFICO Inogona Kupindura Zvimwe
Tora ruzivo urwu netsanga yemunyu. Iko FICO score calculation yakanyanya kuoma kuti ipe kukanganisa kumwechete (kana kuwana) kukosha kune zvese zvikwereti zvekwereti. Kuwanda kwemashoko ako anorasikirwa nekuda kwekukanganisa chikwereti kunobva pane yako yekwerekiti yakajeka uye ichafananidza izvi kurasikirwa kwepfungwa chete kana chikwata chako chekwereti chakangofanana nechacharondedzerwa pamusoro. Kunyange kana iwe uine chikamu chakafanana cheFICO seimwe yezviitiko izvi hazvirevi kuti FICO yako chikamu chichapindura zvakafanana kune zvikanganiso zvekwereti. Izvozvo ndezvokuti FICO yako chikamu chikamu chinotarisana nemashoko pamusoro pekwereti yako yechikwereti.
Kana uchida kuwana pfungwa iri nani yekuti zviito zvipi zvingakanganisa fikiti yako FICO, unogona kushandisa FICO simulator inowanikwa kubva pa myFICO.com paunotenga FICO yako chikamu.