VantageScore Solutions yakagadzirwa nevechitatu huru yemari yechikwereti - Experian, TransUnion uye Equifax - sekumikwikwidza ku Fair Fair Corporation, vanhu vari shure kwechikwata cheFICO chakanyanya kushandiswa. Uye ichangobva kuzivisa kuti itsva yayo yechikwereti chekufananidzira, VantageScore 4.0, ichakurumidza kushandisa nzira yakakwana pakuverenga nhamba yako nhamba nhatu.
"Hazvisi zvisizvo uye zvisingawanzoitiki kuti chirongwa chitsva chinoratidzika sechinhu chakasiyana zvakasiyana nekuongororwa zvirongwa kubva kune vamwe vanoona zvikwereti," anodaro chikwereti chiti John Ulzheimer, uyo akamboshanda pamwe neFICO neEricifax. "Uyu unokodzera iyo mari yezvikonzero zvishoma."
Hezvino izvo zvinotarisirwa apo iyo itsva yekugadzirisa hurongwa inopera mukuwa-uye zvinorevei kune chikwereti chako.
Kushandiswa kwemashoko ezvakaitika kare kunoreva kuti iwe unoda kuti zviyero zvako zvive pasi.
Chokutanga chikuru chakasiyana-siyana ndeyekushandisa kwekutsvaga kwemaitirwo emabhizimisi ayo anoshevedza "inodiwa" data. Chimirocho chichacherechedza nhoroondo yako yakweretesa sezvimwe zvekuenderera mberi - nzira yezviyero zvako uye kushandiswa kwako kwenguva yakareba-pane kungoita ganda. "Kana isu tose tine $ 10,000 zvekwereti yemari yekubhadhara, asi iwe wakanga uri kubhadhara yako pasi penguva uye ndave ndakaparadzanisa zvangu, iyo yekupedzisira inonzi iine ngozi yakawanda, uye iyo mhando itsva ichaitora," anodaro Jeff Richardson, mutauriri weVantageScore Solutions.
Mune mamwe mazwi, kana maitiro ako akaratidza kuti iwe uri kubhadhara chikwereti - kana, zviri nani, kubhadhara zviyero zvako zvemwedzi zvakakwana - izvo zvinobatsira kutakura chikoro chako. Asi kana uchinge uchiwedzera kukwereta kadhi rechikwereti chikwereti pamusoro pemakore uye / kana kuzarura mitsva yemakadhi echikwereti kazhinji, izvo zvichakukuvadza.
"Kuparara kwakadaro kubva pakugovera zvirongwa [zvinongotarisa] pane imwe chinyorwa munguva," anodaro Ulzheimer. "Inotaurira nyaya pamusoro pokuti mumwe munhu akangobhadhara chikwereti, nokuti ari kunze kwekukumbira chimwe chinhu, kana kuti munhu wacho ari kubhadhara chikamu chakazara mwedzi wose mwedzi yenguva."
Izvozvo zvinoreva kukurumidza kugadziriswa chikwereti mvumo yezvikwereti zvingabhadhara zvakare.
Nezvozvi mupfungwa, iwe uri kure zvakadini iwe unoda kuchenesa chikwereti chako usati waita kuti uwane chikwereti kana chikwereti? "Ndaiwanzoti mazuva 30," anodaro Ulzheimer. "Handigoni kupa zano iroro zvakare." Nhamba yakadhindwa inodzokorora makore, uchibhadhara chikamu chako kuti uwedzere chikoro chako mwedzi usati watanga kushanda haufaniri kunyengera munhu. Uyewo hazvizowedzeri chikwereti chako mitsara kuitira kuti iwe uwane chikamu chiduku chekwereti yako iripo kupfuura kare. "Kana iwe uri munhu ane chikwereti uye achaenda kune chikwereti chemotokari, chikwereti, kana kadhi rechikwereti, uye iwe unokwanisa kubhadhara mari yakakura pasina nguva pfupi kusati kwaitwa, hazvizokubatsiri zvakanyanya izvo zvaizoitika munguva yakapfuura, "anodaro Matt Schulz, muongorori mukuru wemabhizimusi kweCreditCards.com. Pasi pemutemo mutsva, nhamba yako icharatidza nhoroondo yako yekwereti, kunyange kana iwe uine zvishoma pazviri panguva ino.
Kubhadhara zvinopfuura zvishoma zvinobatsira purogiramu yako.
Imwe misiyano ichava yekuenzanisa kwekuenzanisira kwekubhadhara kwako-kwete kungova pave nenguva, asi zvakanyanya sei iwe uri kuisa kune zvishoma zvingaitika. Kubhadhara zvinopfuura zvishoma zvingava chiratidzo chakanaka kune vanokweretesa, zvichiita kuti utarise sekuti iwe hausi muduku wechikwereti. Uyezve, kana uri kungobhadhara zvishoma, mukana wako chikwereti chako chiri kuramba chichikura, izvo zvicharatidza kusatendeseka pane chikwereti chako.
"Iko [kuchinja pakuronga kunogona] kunobatsira kushandura kadhi yemakadhi yemakadhi pamusoro pefambo kubva pakuva revolver kune transactor, uye izvi zvicharatidza mutengi chikwereti chakakura," anodaro Ulzheimer.
Nhamba itsva iyi inotsvaga kuti ive yakanyanya kukanganwira uye yakasununguka.
Pakupedzisira, chikwata chitsva chichavimba zvishoma nezvinyorwa zvinonyadzisa uye zvinyorwa zvevanhu-zvinyorwa zvese sezvisungo uye kutonga, uye zvichange zvisina hanya nezvezvikoro zvekurapa zvisingasviki mwedzi mitanhatu.
Uyezve, inoshandisa makashini-kudzidza kubatsira kubatsira vanhu vanenge 30-35 mamiriyoni vane mafaira maduku. Aya mashoko akanaka kune zviuru zvemakore uye vamwe vechidiki.
FICO icharamba yakafanana - ikozvino.
Iko FICO yako mapurogiramu haisi kuzobatanidza dheedhi yakarongeka mumashandisirwo ayo, uye kambani iri shure kweFICO yakaderedza kukosha kwekuchinja kwaVantageScore. "Kubatsira kwavanenge vachitaura pamusoro pavashoma, uye zvakapoteredza kana zvichiwedzera kuwedzera kwekukosha kwevateresi," anodaro Sally Taylor-Shoff, FICO Vachigaro Vachigaro. "Ivo [vatengi] vanoda kuziva zvikwereti zvikwereti zviri kutarisa. Vatengesi vanoshandisa FICO kupfuura 90 muzana yenguva. "
Chirwere chinonzi "Ulzheimer" chinokurudzira, chichitsvaga kubvumidzwa kwekugadziriswa kweVantageScore - kupfuura mabhiriyoni masere mabhiriyoni VantageScore chikwereti chikoro chakashandiswa pakati paJuly 2015-June 2016, nevanopfuura 2 400 vakweretesa nevamwe vanobatanidzwa nevashandi - "vakanaka chaizvo." Kunyange zvakadaro, anotaura kuti kunyange kana FICO Scores uye VantageScore vari kufamba munzira dzavo, vangangotaura nyaya dzakafanana. Kana uine maitiro akanaka echikwereti , iwe uchava nezvikoro zvakanaka kumativi ose.
Ndiina Kelly Hultgren