Nhamba yeFICO yakasikwa pakati pe1980 nekambani yaimbozivikanwa se Fair Fair (yava kunzi FICO). Nhamba yeFICO yakarongwa kubatsira vabhadhara kuti vaone kuti ndiani akwereta angangodaro asina kukanganisa.
Muna Kubvumbi 2006, matatu makuru makuru emari-Equifax, Experian, uye TransUnion - akatanga VantageScore. Ichi chaiva chikwata chekwereti chitsva chakagadzirirwa kupa hunoenderana nezvikwereti zvekwereti zvakapiwa neipi yezvikwereti zvitatu zvekwereti.
Kunyange zvazvo zvose FICO neVantageScore zvakasikwa kubatsira vabatsiri kudzivisa ngozi, uye saka zvinodhura, vakwereta, pane zvimwe zvakasiyana-siyana mumakero maviri ekukwereta chikwereti.
Credit Score Range
Nhamba yeFICO yakareba kubva pa300 kusvika ku850. VantageScore 3.0 yakagadzirisa mararamiro 300 kusvika ku850, asi mapurogiramu epakutanga eVantageScore anoshandisa mararamiro 501 kusvika 990. Vose chikwereti chikoro chekuti vakwereta vane zvikwereti zvikwereti zvepamusoro kuti vasave nengozi kudarika vatokwere vane chikwereti chechikwereti.
The VantageScore 2.0 uye yapfuura akapa tsamba yekadhi kusvika kune chikwereti chikoro zvichienderana nepo inowira mukati maro:
- 901 - 990 = A, Super Prime
- 801 - 900 = B, Prime Plus
- 701 - 800 = C, Prime
- 601 - 700 = D, Kwete-Prime
- 501 - 600 = F, High Risk
Credit Score Calculation
Iko FICO chikamu chinotora chikwereti chekuchengetedza chikwereti muzvikamu zvishanu zvemashoko , asi VantageScore inoshandisa matanhatu.
FICO Score
- 35% yekubhadhara zvakaitika
- 30% chikwereti chekwereti
- 15% yezera rechikwereti
- 10% marudzi echikwereti
- 10% zvikwereti zvikwereti
VantageScore 3.0
- Payment history - 40%
- Zera uye rudzi rwechikwereti - 21%
- Percent yechikwereti chakashandiswa - 20%
- Zvose zviyero / chikwereti - 11%
- Ikozvino maitiro echikwereti nemibvunzo - 5%
- Chikwereti chiripo - 3%
VantageScore 2.0
- 32% mubhadharo wekare
- 23% kushandiswa
- 15% zviyero
- 13% yakadzika chikwereti
- 10% ikozvino chikwereti
- 7% iripo chikwereti
Zvose FICO uye VantageScore chikwereti chekodzero yekupa zvikamu zvinopa zviyero zvakafanana zvehuwandu hwemari yekubhadhara uye zvitsva zvekubhadhara chikwereti. Asi, pane musiyano mukuru mukurapa kwekushandiswa , nguva yekwereti yekare, nemhando dzekwereti.
FICO inopa shanduko 30% yekwereti yechikwereti, asi VantageScore inonyanya kuisa 45% pane mari yakawanda yaunoshandisa.
FICO inopa 25% kusvika kuzera remakore echikwereti nemhando dzekwereti. VantageScore inopa zvinhu zviviri izvi 13%.
Izvo zviri nani
Kubva pane maonero evatengi, mari yakanakisisa yekwereti ndiyo iyo waunokweretesa wako kuti agamuchire kana kuderedza kushanda kwako. Sezvo vamwe vakweretesi vakawanda vachishandisa chikwata cheFICO, iwe unogona kunge uri nani kunze kwekutarisa icho chikamu. Usatora izvozvo zvishoma asi zvakadaro. Nguva dzose mubvunze chikwereti chako icho chikwereti chikwereti chavachaongorora. Ngwarira kuti chikwereti chikwereti chaunotenga kubva paIndaneti zvimwe hachikwanise kufanana nechocho chikwereti chekuongorora, asi chinogona kukupa pfungwa yekuti unomira kupi.
Kana mavhidhiyo asina kuwanikwa eVantageScore yako, chengeta Credit.com, CreditKarma.com, LendingTree.com, kana Quizzle.com. Hapana chimwe chezvibasa izvi chinoda kadhi rechikwereti kune zvikwereti zvako zvekwereti zvepachena.