Kunzwisisa FICO yako chikamu uye kuti inobata sei kutenga imba
Kuziva kuti chikwereti chako chikwere chinokanganisa sei kutenga kwembairo neavo vari kutsvaka chikwereti chinoita kuti zvive zvakakosha kuti mumwe anoona chikwereti chake chekwereti mangwanani-ngwanani. Yako FICO chikamu chinotora chikamu chakakosha mukutenga kwemusha uye pakugadzirisa chikwereti chekufarira icho chikwereti chinopa.
Chii chikwereti chikwereti?
Chikwereti chikwereti nhamba iyo vatengi vanoshandisa kuenzanisa nengozi. Chiitiko chakavaratidza kuti vanokwereta vane zvikwereti zvakanyanya zvekwereti hazvikwanise kutora chikwereti.
Ko chikwereti chikoro chakaverengwa sei?
Chikwereti chikoro chinoumbwa nekuchera deta kubva kumuhoro wako wekwereti mune software iyo inoiongorora uye inokonzera nhamba. Aya matatu matatu makuru ekubhadhara chikwereti mari haashandisi iyo yakaenzana purogiramu software, saka usashamisika kana ukaona kuti zvikwereti zvikwereti zvavanokuitira iwe zvakasiyana.
Nei chikwereti chikoro dzimwe nguva chinonzi FICO scores?
Iyo software yakashandiswa kuverenga nhamba huru yechikwata chekwereti yakasikwa ne Fair Fair Corporation - FICO.
Ndezvipi zvikamu zvechikwata chekwereti chakakosha zvikuru?
Chati chechipiri chiri pamusoro apa chinoratidza kukanganisa kwehuwandu hunokosha iyo imwe neimwe yenyaya yekwereti yako yechikwereti inowedzera kune chikwereti chikoro chiverengero. Shandisa zvikamu izvi semutungamiri:
- 35% - Nhoroondo Yenyu Yokubhadhara
- 30% - Zvikwereti Iwe Owe
- 15% - Urefu hweNhoroondo yako yeMari
- 10% - Mhando dzeMari yakashandiswa
- 10% - New Credit
Nhoroondo Yenyu Yokubhadhara Inosanganisira:
- Nhamba yezvikwereti zvakabhadharwa sekubvumirana
- Nhoroondo dzisina kururama dzevanhu kana zvikamu
- Nhoroondo dzakawandisa:
- nhamba yakakwana yezvinhu zvakapfuura
- nguva yakareba sei iwe wapfuura wakafanira
- nguva yakareba zvakadini kubva pawave wakambobhadharwa kubhadhara
Zvaunokwereta:
- Iwe unokwereta zvakadini pane zvinyorwa uye mhando dzemakondomu ane zviyero
- Ndezvipi zvakawanda zvekubhadhara chikwereti chako chawakashandisa-kutsvaga zviratidzo zvawakapfuura-zvakapetwa
- Zvikwereti zvaunokweretesa pamabhadharo ekugadzirisa zvikwereti zvinowirirana nezviyero zvepakutanga - kuti uone kuti uri kuripa pasi nguva dzose
- Nhamba yezvikwereti zero balance
Kureba Kwekwereti Nhoroondo:
- Nguva yakareba yenguva inotevedzwa nehupoti yako yemarikiti
- Nguva yakareba sezvo maakare akazarurwa
- Nguva iyo yakapfuura kubva pane basa rekupedzisira
- Iyo yakareba yako (yakanaka) nhoroondo, zviri nani zvikoro zvako
Aina dzeKwereta:
- Nhamba yese yezvinyorwa nemhando dzeakabhesi (chigadziriso, chichienderera mberi, chikwereti, nezvimwewo)
- Musanganiswa wemhando dzemabhadharo kazhinji zvinowanzoita zvidzidzo zviri nani pane zvinyorwa zvine maverengedhi akawanda akawanda (makadhi emakadhi)
Your New Credit:
- Nhamba yezvikwereti zvawakangobva kuzarura uye chikamu chemareji matsva kusvika kumabhuku ose
- Nhamba yezvinodiwa zvekwereti munguva pfupi
- Nguva iyo yakapfuura kubva kubva kumibvunzo yechangobva kuitika kana maakaunti akachangobva kuzarurwa
- Kana iwe wakagadzirisa zvakare chitupa chechikwereti chakanaka mushure mekusangana nematambudziko ekubhadhara
- Kazhinji, kutarisa kuti uone kuti hausi kuedza kuzarura maakaundi akawanda matsva
Chikwereti scoring software chinongokurukura zvinhu pamushumo wekwereti yako. Vatengesi kazhinji vanotarisa zvimwe zvinhu zvisingabatanidzwi mumushumo, zvakadai semari, mari yemabasa uye rudzi rwechikwereti chauri kutsvaga.
Chii chakanaka Chikwereti Chikwereti?
Chikoro chikoro (kazhinji) chinobva ku 340 kusvika ku 850. Kana ukakwanisa kukoshesa, chikamu chiduku kune chikwereti chinotenda iwe uchava. Sezvo nhamba yako ichikwira, chikwereti chaunofarira chaunenge wapiwa chinogona kupera.
Vanokweretesa vane chikwereti chemarikiti kupfuura 700 vanowanzopiwa mari dzekubhadhara mari uye huwandu huri nani hwekufarira asi usaora mwoyo kana zvikoro zvako zvakaderera nekuti kune chikwereti chekubhadhara chikwereti kumunhu wese.
Pano tarisa chikoro chikoro pakati pevanhu veUnited States muna 2003:
- Kusvikira 499: 1%
- 500 - 549: 5%
- 550 - 599: 7%
- 600 - 649: 11%
- 650 - 699: 16%
- 700 - 749: 20%
- 750 - 799: 29%
- Kunopfuura 800: 11%
Maererano nePalu Penguin, muvhareji wekwereti muAmerica muna 2016 ndeye 695.
Multiple Credit Scores
Bhengu yako ichakwereta zvikwereti zvekwerekiti uye zvikwereti kubva kumatatu makuru makuru makuru ekubhadhara chikwereti : Transunion, Equifax, uye Experian.
Vangangodaro vashandise chikamu chepakati kuti vaite basa rako rechikwereti . Bvunza iwe chikwereti chako kuti utsanangure kuti chikwereti chikoro chichashandiswa uye kuti chinokanganisa sei chikwereti chako chekukwereta.