Nzira yei FICO 8 Ichaita Kuti Pave Nhamba Yako Chikwereti
Iko FICO chikamu ndicho chikoro chekwereti chakanyanya kushandiswa nevakweretesi. FICO (yaimbozivikanwa se Fair Fair) yakarongedza chikwereti chayo chechikwereti muJanuary 2009 kuti zvive nani kufanotaura kuwanda kwekuti vatengi vacharipa chikwereti chezvikwereti. Nhamba itsva yechikwereti inonzi FICO 08 yakagamuchirwa nemitatu mikuru yezvikwereti - Equifax, Experian, uye TransUnion. Muna February 2015 press release, FICO inoti FICO 8 ndiyo "inonyanya kushandiswa mukwereti muAmerica."
Vatengi vanogona kutarisa FICO 8 mavoti pa myFICO.com.
Kuchinja kune FICO 8
FICO 8 inotarisa zvakanyatsoona mamwe mapoka evakwereti avo vanokweretesa vanoda rubatsiro rwakanyanya nehuwandu hwekufanotaura. Izvi zvinosanganisira vanotora chikwereti , vanokwereta vatsva nevaya vane maakarenda mashoma, uye vakwereta vari kutsvaka chikwereti.
Pasi peFICO 8, vanokwereta vane marudzi akasiyana-siyana ekwereti dzekwereti - makadhi emakwereti, mari yekubhadhara mari, uye auto zvikwereti - zvichava nezvikwata zvepamusoro kune avo vane imwechete kana maviri mazere. Vanokwereta vachawanawo zvikwereti zvekubhadhara zvikwereti zvemari chikwereti pasi pemari yepakutanga. Munhu akwereta ane chikwereti chekukwereta chiri pedo kana kuti pamusoro pemari yepakutanga acharasikirwa nezvikwereti zvikwereti pasi peFICO 8.
Kana iwe uine chikwereti chakasarudzwa nguva dzose apo dzimwe nhoroondo dzako dzose dzichiri mumamiriro akanaka, chikwereti chako chikoro hachizoregi zvakanyanya pasi peFICO 8. Kune rumwe rutivi, kana uri shure kumasangano akawanda, uchaona chinonyanya kukosha mukwereti yako chikwereti chikamu.
Kuva nechikwereti chekushandisa chikwereti kunokanganisa chikwereti chako chikoro kudarika kana wakashandisa chikamu chiduku chekwereti yako iripo.
Vanokwereta vanofanira kunge vane mavhisi akawanda anoshanda-akamira pane maakareji akavharwa.
"Nuisance" chikwereti chakaunganidzwa, izvo zviya zvinenge zvakagadziriswa pasi pe $ 100, hazvingafungi.
Cherechedza kuti izvi zvikwereti zvichiri kuonekwa pamushumo wekwereti yako uye zvinogona kukukanganisa kubvumirwa kwako, zvisinei, FICO 8 haigoni kukunyorera nokuda kwezvikwata zviduku.
Chii Chinoramba Chichifanana NeFICO 8
Zvimwe kunze kwezvakataurwa pamusoro apa, FICO 8 inoramba yakangofanana neyekare yevashanduri vekuenzanisa.
- FICO zvidzidzo zvicharamba zvichibva pa300 kusvika ku850 uye zvikwata zvakakwirira zvichange zviri nani.
- FICO 8 inoenderera mberi kutarisa maitiro akafanana kuti uverenge chikoro chako chekwereti :
35% yekubhadhara zvakaitika
30% chikwereti chekushandisa
15% yegore rechikwereti
10% masaiti ekupedzisira
10% kusanganiswa kwekwereti - Mvumo yevashandi vane kodzero vacharamba vachibatanidzwa muFICO 8 chikoro chikoro, asi iyo mhando itsva ichaita musiyano pakati pemvumo yevashandi vane kodzero dzakagadziriswa uye avo vakatengwa nokuda kwekugadzirisa zvikwereti chete.
- Yako FICO 8 zvikwereti zvicharamba zvichibva kune ruzivo mune zvikwereti zvekwereti kubva kune matatu makuru makuru echikwata.
Zvimwe FICO Versions
FICO yakabudisa FICO 9 mukutanga kwegore ra 2015. FICO 9 haina hanya nemari yakabhadharwa uye inopomera vatengi vashoma kuti vawane zvekurapa. Uku ndiko kukunda kukuru kune vatengi, kunyanya kufunga nezvekuwana kweCFPB iyo chikwereti chevatengi chinorwara zvisina kunaka chakabatwa nezvikoro zvemari.
Zvinyorwa zvekare zveFICO zvikamu zvinosanganisira FICO Chikamu 2, 3, 4, uye 5.
FICO inopawo bhizinesi reBanccard yechikwereti chekubhadhara chikwereti uye Auto Score yevatengesi vemotokari. Iwe unogona kuona 19 yezvikamu zvako zveFICO nokutenga FICO Chikamu 3B Bhidha ye $ 60 kuburikidza ne myFICO.com.