Ndiyo Chete Nzvimbo Yakachengeteka Inowanikwa Kuti Uwane Bhuku Rako Rokusununguka
Kuwana zvikwereti zvako zvekukweretesa zvepachena paIndaneti zvinoratidzika zvakajeka zvekuti zviri nyore kuwira mukurwisana nematambudziko. Nhoroondo yako yekwereti yakasununguka, asi mamwe mawebsite willl anokubhadhara iwe kana iwe usingachenjeri uye wobva wapedzisa pane nzvimbo isina kunaka. Pane nzvimbo imwe chete yekuwana mari yekwereti yehandi. Saka, chenjerera. Iwe unogona kushamisika, sei uchida ripoti yemari yechikwereti? Nokuti danho rekutanga mune imwe nzira inosanganisira kushandisa chikwereti ndechokuwana kopi yemukana wako wekwereti kuti iwe unogona kukakavadza zvinhu zvenhema kana zvichionekwa.
Dzimwe hurumende dzakapfuura mitemo ichipa vatengi kodzero yekugamuchira mahwendefa emakwereti asingabhadhari . Mamwe maiva Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey uye Vermont. Mitemo inochinja nguva dzose.
Zvisinei, mitemo yezvematongerwo enyika inoitawo kuti zvive nyore kune ani zvake kuti awane imwe yega yepachena yemhizha yavo yechikwereti mwedzi gumi nemaviri. Iwe unogona kuwana kopi yemutero wako wekwereti iri paIndaneti, yakachengeteka uye isina njodzi nekudisa nzvimbo ino yakachengeteka kuva mu browser yako: https://www.annualcreditreport.com.
Heino Nzira Yokuwana Mahara Free Reports Mwedzi Yose Mwedzi
Sezvo vazhinji vezvikwereti zvenyu ruzivo zvakadhindwa nemasangano matatu ekubhadhara chikwereti, kana iwe uchida kutarisa mitsara yako yekwereti kakawanda pane kamwechete pagore, heino nzira yekuzviita. Kumbira mushumo kubva kune imwe sangano rekubika chikwereti. Zvadaro, mwedzi mina gare gare, kumbira imwe mharidzo kubva kune yechipiri chechikwereti, uye pakupedzisira, mwedzi mina kubvira musi iwoyo, kukumbira mushumo kubva kune rechitatu rekubika chikwereti chekwereti.
Nzira iyi unogona kugamuchira 3 mibairo yekwereti yepachena pagore.
Usakumbira Mune Chikwereti Chekubhadhara Mari Kubva Mari-based Credit Report Companies
Usashandisa makambani anonyunyuta anotora mari kubva kwauri kuti atore chikwereti chako chekwereti nokuti iwe ungangodaro uri kuzivisa nhamba yako yekuchengeteka kwevanhu kumakororo. Iva nechokwadi chokuti une hukama hwakachengeteka, sa https, usati waisa ruzivo rwakavanzika, uye edza kuita bhizinesi nemakambani wamunoziva.
Chenjerera makambani anokonzera hurukuro dzakasununguka uye edza kukunyora iwe kuti usayine zvimwe zvekushandira usingadi kuronga. Ihu humwe huripo hupi hupi hupi hunokuzivisa iwe kana mumwe munhu akawana chikoro chako chekwereti haisi pachena.
FICO Chikoro Chine Chikamu Chekuita ZveMari Reports
FICO zvikwata zvakagadzirwa ne Fair Fair Corporation kuma1980 uye zvinoshandiswa mazuva ano kuti zviongorore mutarisiri wekutengesa uye mutengi wezvokubhadhara zvinhu zvose kubva pakukwereta mari kutenga imba yekuwana inshuwarisi yemotokari.
Iwe unogona kuwana fikiti yako yeFIC online panzvimbo shoma, asi haisi yekusununguka. Iko kambani ichakutumira iwe ripoti yemarikiti uye zvikwereti kubva kumabhazi matatu ekubika zvikwereti. Kazhinji vanokweretesa vachakandira kunze kwepamusoro nepasi pota uye kuchengetedza mapeji apakati. Iva nechokwadi chokuti uri kugamuchira chikamu chechokwadi cheFICO kana chikwata cheNewGen. Chimwe chikwereti chekwereti chine zita rakasiyana nechayo FICO chikamu. Equifax ibhakoni. Experian is Experian / Fair Isaac Risk Model uye TransUnion ndiEmpirica. Zvose zvakashata ndezvomutadzi.
Iko FICO inokora chikwereti chako chinowana uye fikiti yeFICO iwe unogona kuzvirongedza iwe pachako ingangodaro iine zvikamu zviviri zvakaenzana, usatarisiri zvikamu zvaunowana kuti ufanane. FICO chikoro chinobva ku 300, icho chakaipa zvikuru, kusvika ku 850, ndicho chakanakisisa.
VantageScore
Mukukwikwidza kune FICO ndeyeVantageScore, iyo nzira yakasiyana yekuenzanisa zvikwereti zvekwereti. Uyu muenzaniso wezvokugovera anopa bhiiyo tsamba, kubva paA kusvika kuF, uye yakasikwa nemitatu yemari yechikwereti . Heino iyo iyo inoputsa sezvakawanda zvikabatanidzwa uye zvichitongwa:
- A: 901 - 990
- B: 801 - 900
- C: 701 - 800
- D: 601 - 700
- F: 501 - 600
Vatengi havagoni kuraira VantageScore. Inowanikwa kune vanokweretesa chete.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.