Kuvhara kadhi rechikwereti hakusimudziri chikwereti chako chikoro. Kuvhara kadhi rechikwereti hakuzobvisi nhoroondo yemakadhi kubva kumushumo wekwereti yako, uyewo hauzochengetedzi nhoroondo kubva pakubatanidzwa mune yako chikwereti chikamu calc calculation .
Saka, kana uri kupfiga kadhi rechikwereti kuti uwedzere chikwereti chako, funga zvakare, nokuti iyo nzira haigoni kushanda.
Nokuti pane zvinyorwa zvakasiyana zvakasiyana-siyana nezvekuvhara kadhi rechikwereti kunokanganisa chikwereti chako chekwereti, ndakataura naCarig Watts, Public Affairs Director paFICO kujekesa dzimwe pfungwa dzisina kunaka pamusoro pezvinoitika kuFICO yako paunovhara kadhi rechikwereti.
Nekwereti / Chikwereti: Nekushandisa mari yechikwereti , kuvhara kadhi rechikwereti kunokuvadza fikiti yako yeFICO here? Ko iko kushandisa kwako chikwereti kuchakwira nokuti wakapfigira kadhi rechikwereti iro richiri nemari?
Craig Watts: Nemhaka yekuti iyo chikwereti chekwereti icharamba ichiratidza kushanda kwakasimbiswa kwemari yekodhi iyo - kunyange zvazvo nhoroondo yakavharwa - fomu yeFICO icharamba ichiisa iyo iyoyo kuverengwa kwekushandiswa kwekurairirwa. Sezvo mutengi achibhadhara pasi chikamu chakakosha chebhuku, kuenzanisa kunokonzera kunofanira kuva nemigumisiro yakanaka pamutengo wemunhu uye chikwata cheFICO, zvimwe zvose zvakaenzana.
Kana imwe sarudzo yakasarudzwa ichitsanangurwa pamushumo wechikwereti se zero, chikwata cheFICO hachizove chichibatanidza iyo yakavharwa nhoroondo yakavhara muhuwandu hwekushandiswa kwekushandisa. Kungofanirwa kujekesa, chimiro chacho chinoedza nguva dzose kusanganisira chero sarudzo dzakasununguka dzinoshandiswa mumashandisiro ayo ekushandiswa kwekushandiswa, kana iyo nhoroondo dzine zvikwereti zvakanyanya kana kuratidza zero kuenzanisa.
Nezve: Zvakadini nekwereti yezera? Iyo yakawanda-yakataurwa, kunyange pakati peimwe nzvimbo dzepamusoro dzinoshamisika (kusanganisira ini) kuti kupfiga kare kare kare kadhi rechikwereti kunoderedza nguva yako yechikwereti nokudaro kuderedza chikamu chako cheFICO. Izvozvo ichokwadi here?
Craig: Takabatsira kusimbisa iyo nhema zvishomanana. Mumazuva ekare, taive nenzira yakangwarira zvikuru [pamusoro pemigumisiro yekuvhara kadhi kadhi rechikwereti ]. Iko FICO score calculation inotarisa mavhesi maviri akazaruka uye akavharwa. Chero bedzi iyo nhoroondo yebhuku ichi ichiri pamushumo wechikwereti , yakabatanidzwa muchikwata cheFICO. Kubata ndeyekuti pane imwe nguva, zvikwereti zvekwereti zvinobvisa zvinyorwa kubva mushumo. Chimwe nechimwe chezvikwereti chekwereti chinoshandisa maitiro avo mukati ekubvisa mabhuku, asi chinhu chakafanana nemakore gumi. Saka, icho hachisi chimwe chinhu chaunofanira kunetseka pamusoro pemakore anenge gumi.
Nezve: Kana kadhi rechikwereti ravhara kadhi rechikwereti, pane kazhinji kacho mhinduro yakasiyiwa pamushumo wechikwereti, "Yakasimbiswa nekwereti chikwereti." Pane chimwe chinhu pamusoro pemashoko iwayo anotambudza chikamu cheFICO?
Craig: Kwete. Hazvinei kuti ndiani akavhara kadhi.
Muchidimbu, chikwereti chako chikoro chinogona kuchinjwa nokuvhara kadhi rechikwereti kana
- Iko kadhi ine chiyero.
- Iyo ichiripo inowanikwa chikwereti apo mamwe makadhi ako haaiti.
- Yaiva yekutanga kadhi yawakambovhura (kunyange izvi zvisingabatsiri kwemakore gumi)
- Iwe hauna imwe kadhi yemakadhi
Nokuda kwekwereti yako chikoro, zvakakosha kuongorora sarudzo yako yekuvhara kadhi rechikwereti usati watora matanho. Verenga Five Cards Cards Iwe Usambofa Wakaswedera Pedyo kuti ubatsire kuita chisarudzo chakanaka.
Kubvunzurudza naCarig Watts kwakaitwa musi waMay 13, 2009.