Tsanangudzo: FICO inomirira sangano rakagadzirisa: F air I saac Co rporation, yakatumidzwa muna 1956 mushure mevaki vayo: Bill Fair, injinjiniya, uye Earl Isaac, nyanzvi yemasvomhu. Icho chakaoma-chikwereti chekuchengetedza chikwata chinoratidzira njodzi iyo anenge akwereta angave asina kukwana.
Yokutanga credit bureau-based credit scoring system yakatangwa ne Fair Fair pakati pemakore ekuma1980, asi haina kubvisa zvachose kusvika muna 1995 apo makambani maviri makuru, Fannie Mae naFreddie Mac, vanotenga zvinenge zviviri kubva kune imwe nhatu dzimba chikwereti, akakurudzira kuti vatengi vashandise zvikwata zveFICO.
Nhasi hazvibviri kuwana chikwereti kunze kwekwereti kuongorora FICO yako chikamu. Purogiramu inozivikanwa yepodhi pasi pekunyora kubva kuFannie Mae inosanganisira zvikwata zvako zvepamusoro zvitatu zveFICO kubva kune zvitatu zvinorayira kubhadhara chikwereti: Equifax, TransUnion, uye Experian. Ichi ndicho chikonzero icho dzimwe nguva vashandi vanopa mazano vatengesi kuti vakumbire kopi yemutengi weBUD kuitira kuti vaone mazvikoro zveFICO ivo pachavo. Mutengi anofanira kupa mvumo kune anokweretesa kuti asunungure pakombiyuta pasi pekunyora faira kune mumwe wechitatu.
Vatengesi vanogadzirisa zvishoma zvishoma zveFICO kuti vaite chikwereti. Zvimwe zvikamu zveFICO zviri mumiganhu yepasi, uye vateresi vanobhadhara zvakakodzera. Vamwe venguva yekutanga vadzoka kumba vachaomerwa nekuwana mukwereti uyo achavaita chikwereti kana fikiti yavo yeFICO inowira pasi pe 600. Yakakwirira FICO yako, iyo yakaderera chikwereti chako chekufarira uye mari. Kana iwe uchiona chido chekuda kutorwa pane mamwe mawebsite, izvo zvinowanzochengeterwa zvikwangwani zvakanaka zveFICO.
Usaora mwoyo kana kurega kana fICO yako chikamu ichiderera uye chikwereti chinoramba chikwereti chako chekubhadhara mari . Kune nzira dzekuvandudza fikiti yako yeFICO, uye vamwe vanotenga chikwereti vanogona kutarisa vanotenga vane zvishoma kudarika stellar credit kune kambani yekuigadzirisa. Iva nechokwadi chokuti iwe unotora kutumirwa kubva kune chikwereti kune kambani yekugadzirisa chikwereti, zvakadaro, nokuti vamwe vavo vane ripoffs uye havatombovandudzi chikwereti chako chikoro.
Kuti uwedzere chikwereti chako chikamu, edza kubhadhara zviyero zvakakura, uye utange nemari yakawanda kutanga. Kana yose yemakadhi ako ekwereti akashongedzwa, izvo zvinoderedza FICO yako chikamu. Iwe unoda kupesana kwakanaka pakati pemari yaunokwereta uye chikwereti chako chekwereti.
Usavhura mitsara miviri yekwereti uye usavhara mitsetse yakare yekwereti usingatauri nekutora chikwereti chako. Kana usina chikadhi chekwereti, iwe unogona kunge usina chikamu cheFICO. Edza kugadzira chikwereti gore kana kuti usati watanga kutarisa pamisha inotengeswa.
Usambofa wakanonoka pamubhadharo. Kuve wakanonoka kubhadhara kunonzi kushorwa uye zvakanyanya kufungidzirwa zvichitarisa pamushumo wekwereti yako, yakaderedza chikwereti chako chikwereti. Kuchengetedza nekuchengetedza chikwereti chako ndiye mukuru wekuti iwe usati udzidziswe kuchikoro kana kumba, asi zvakakosha kutenga imba. Inogona kureva musiyano pakati pekutenga imba kana kusagamuchirwa kutora chikwereti zvachose.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.
Kutumidzwa: F-ziso Coh
Uyewo Anozivikanwa se: Chikwereti Chikwereti
Mienzaniso: Nokuti Maria waFICO aiva 750, mutero wacho aifunga kuti Maria ndiye akakonzera mari yakawanda uye achirega Maria akwereta mari pachikwereti chakanyanya kuderera, chakachengetedzwa nepamusoro pevashandi vechikwereti.