Chii Chikwereti Chakwereta?
Chikwereti chako nhamba nhamba inoshandisa chikwereti chako. Inobva pane ruzivo rwekwereti yako yekwereti, iyo inosanganisira rekodi yekadhi rako rechikwereti uye nhoroondo yezvikwereti.
Izvo zvikwereti zvikwereti zvaunogona kuwana zvinokonzerwa nekwereti scoring model iyo iri kushandiswa.
Various Credit Score Maximums
Chimwe chikwata chekwereti chikwata chikamu cheFICO . Iko huru yeFICO chikamu ndeye 850 (mashoma 300). Pane zvimwe zvikwereti zvechikwereti, kubva kune-credit bureau uye kune mamwe mapato matatu. Kana iwe uchitenga chimwe chezvikoro izvi, mupi wepikicha achakupa mukana wekukwanisa. (Zvikoro izvi zvinowanzofananidza chikamu cheFICO, chinenge chinokwana 850)
Kuva nechikwereti chikwereti chikoro hachina chakanaka. Maererano neFICO, 25% chete yevanhu vane chikwereti chekwereti vane FICO yakakwirira kudarika 785, uye kunyange zvishoma maduku evanhu vane fikiti yakakwana yeFICO.
Zvinokosha sei Maximum Credit Score
Kubatsirwa kwekutora chikwereti chikuru kunowanikwa mubhadharo ekuderedzwa kwekwereti pamakadhi emakwereti uye zvikwereti uye kuti zvive nyore kuti zvikwata zvako zvibvumirwe. Iwe unogona kuita izvi usingati uwane chikamu chikuru chekwereti.
Edzai neFICO mapeji anopfuura 720. Zvikamu zvinopfuura 720 zvinoonekwa sezvakanaka uye zvinguva dzose zvinokubvumira kuti uwane zvikomborero zvepamusoro.
Uyewo, yeuka kuti vanotora chikwereti nevakweretesi vanofunga zvakawanda kupfuura kungoita chikwereti chenhamba pavanenge vachiongorora maitiro ako. Vachatarisawo chikwereti chechikwereti chaunacho nemari yako.
Iwe unogona kurambwa kune zvimwe zvikwereti zvekwereti, pasinei nokuti une chikwereti chikuru chekwereti, kana uine chikwereti chakawanda kana iwe usingakwanisi kuwana mari yakakwana yekukwereta chikwereti kana kuti chikwereti chaunenge uchikumbira.
Kunyange kana iwe ukazadzisa zvikwereti zvikwereti pane imwe nguva munguva, hazvirevi kuti iwe uchange uine chikwereti chakakwana chekwereti. Chikwereti chako chikwangwani chinowanzochinja sezvo ruzivo rwemarikiti yako yeruzhinji inoshanduka. Zvinowanzoitirwa zvikwereti zvikwereti kuwana kana kurasikirwa pfungwa kubva kune rimwe zuva kuenda kune rinotevera. Kuchinja mune muyero wako, chikwereti chikwereti, nhoroondo yekubhadhara, uye nhoroondo, kunyange kuchinja kune chikwereti chikoro chegoridhethi chinogona kukanganisa chikwereti chako.
Zvinodiwa Kuti Uwane Maximum Credit Score
Pane zvinhu zvishomanana zvaunogona kuita kuti uwane mari yakanakisisa yekwereti inogoneka. Bhadhara mabhiriro ako nenguva pane mwedzi wega wega, kunyange izvo zvisina kunyorwa pane chikwereti chekwereti. Dzivisa kuva nechikwereti chakawanda uye dzakawanda dzakawanda maakaunti. Chengetedza zvikwereti zvako zvekwereti kune zvishoma, zvishoma zvishoma ne7% zvekwereti chekwereti.
Muna Gumiguru 2012 kusunungurwa kwepepanhau, FICO yakapa tsanangudzo pamusoro pezviito zvishoma zvekubudirira kwepamusoro - vatengi vane zvikwata zveFICO pamusoro apa 785. Vanhu ava vane:
- Avhareji yevanomwe nhoroondo, yakazaruka uye yakavharwa
- Avhareji mana maakondomu ane zviyero
- Vakawanda vanoenzanisa pasi pe $ 8,500 pane zvisiri zvekutengesa
- 95% havana kurasikirwa kuripo pamakero avo emari. Pasi pe 1% ine kero yakadarika yakakodzera
- 1 muzana vane chekuita paakaunti yavo, uye 1 mu9 000 vane bhadhadziro kana kuti musangano wemitero
- Vavhareji yekwereti yezera makore gumi nemana. Nhoroondo yekare yakazarurwa yakaenzana makore 25 apfuura.
A perfect maximum credit score is great to aspire to, but it's ok to "settle" for an excellent high credit score. Kana zvikwereti zvako zvikwereti zvichitsvaga rubatsiro, shandisa imwe nguva uchitarisa mharidzo yako yekwereti uye kuisa pamwe chirongwa chekuvandudza chikwereti chako chekwereti .