Ivhareji yechikwereti chikoro munyika yose yeUnited States yaiva 675 muna 2017, maererano neOxpan's 2017 State Credit Credit.
Iyo data yakabva paVantageScore 3.0 , iyo inowedzera zvikwereti zvekwereti kubva pane mazana matatu kusvika ku850.
Zvakanaka kwazvo kuzivikanwa kuti zvikwereti zvekwereti zviri nani zviri nani, asi kuputsa pasi chikwereti chechikwereti mu mabhakisi kunounza zvakajeka kune dzimwe nhamba dzekodhi dzekwereti.
VantageScore Rating Categories
- 781 - 850: Super prime
- 661 - 780: Prime
- 601 - 660: Near Prime
- 500 - 600: Subprime
- 300 - 499: Deep subprime
Mamwe Nyika Neyekumusorosoro uye Yakaderera Kupera Chikamu Chikoro Chikoro
Minnesota ine chikamu chepamusoro chekwereti chikwereti pa709. Mississippi ine yepamusoro yepamusoro yekwereti chikoro pa 647.
Zvimwe zvepamusoro gumi zvinotaura nepamusoro-soro yevhodhi yekwereti ndezvi: Vermont (702), New Hampshire (701), South Dakota (700), Massachusetts (699), North Dakota (697), Wisconsin (696), Iowa ( 695), Nebraska (695), Hawaii (693). Izvi zvikwereti zvikwereti zvose zvinonzi zvakatarwa Prime paVantageScore scale. Vashandi nevatengi vechikwereti vechikwereti vanowanzova nenguva yakaoma yekuwana chibvumirano chechikwereti uye vachawana mamwe mazano akanaka apo vanobvumirwa.
Kana iri imwe 9 inotaura nechepasi-kati yevheji yezvikwereti: Louisiana (650), Georgia (654), Alabama (654), Nevada (655), Texas (656), Oklahoma (656), South Carolina (657), Arkansas (657), uye West Virginia (658). Panhamba yeVantageScore, idzi zvikwereti zvekwereti zvinonzi inonzi Near Prime. Zvinogona kuva zvakaoma kuwana kugamuchirwa kwekwereti uye mari yepamusoro yemari inowanikwa.
Ko geography inobatsira mune chikwereti chikoro here? Ingaita seyo yakanyatsogadzirirwa pane data. Zvinomwe zvepamusoro gumi zvinotaura nepamusoro-soro yekwereti yekwereti iri kumadokero Midwest apo 9 kubva pa10 inotaura nechepakati pevheji yekwereti chikoro chiri muSouth-East.
Zvechokwadi, nepo kero yako yakabatanidzwa mumushandi wako wekwereti, haisi chinhu chinokonzera chikwereti chako. Mashoko chete anonyatsoenderana neukweretwa kwako uye maitiro ako okubhadhara anowanikwa mune chikwereti chako. Mari yekubhadhara ndiyo inonyanya kukosha muVantageScore kuverengwa. Ndiwo 35% yeFICO yako chikamu. Zera nemhando dzekwereti zvinoshandiswa uye chikamu chekwereti yemari yechikwereti chinoshandiswa zvikuru muVantageScore. Zvose zvikwereti uye chikwereti zvakakosha zvikuru. Zvinhu zvisinganyanyi kukosha ndezviZvirokwazvo zvikwereti zvekwereti uye mibvunzo uye chikwereti chiripo.
State | Average VantageScore |
| Alabama | 654 |
| Alaska | 668 |
| Arizona | 669 |
| Arkansas | 657 |
| California | 680 |
| Colorado | 688 |
| Connecticut | 690 |
| District of Columbia | 670 |
| Delaware | 672 |
| Florida | 668 |
| Jojiya | 654 |
| Hawaii | 693 |
| Idaho | 681 |
| Illinois | 683 |
| Indiana | 667 |
| Iowa | 695 |
| Kansas | 680 |
| Kentucky | 663 |
| Louisiana | 650 |
| Maine | 689 |
| Maryland | 672 |
| Massachusetts | 699 |
| Michigan | 677 |
| Minnesota | 709 |
| Mississippi | 647 |
| Missouri | 675 |
| Montana | 689 |
| Nebraska | 695 |
| Nevada | 655 |
| New Hampshire | 701 |
| New Jersey | 686 |
| New Mexico | 659 |
| New York | 688 |
| North Carolina | 686 |
| North Dakota | 697 |
| Ohio | 678 |
| Oklahoma | 656 |
| Oregon | 688 |
| Pennsylvania | 687 |
| Rhode Island | 687 |
| South Carolina | 657 |
| South Dakota | 700 |
| Tennessee | 662 |
| Utah | 683 |
| Virginia | 680 |
| Vermont | 702 |
| Washington | 693 |
| West Virgina | 658 |
| Wisconsion | 696 |
| Wyoming | 678 |
Mhedziso: Experian |
Mazano Okuvandudza Chikwereti Chako Chakwereta
Iwe unogona kushanda pakuvandudza chikwereti chako chekwereti pasinei nokuti uri kugara kupi. Sezvo kubhadharwa kwenhau ndicho chikuru chikuru chinokonzera chikwereti chako chikoro , kubhadhara zvikwereti zvako nenguva ndezvo chinhu chakanakisisa chaungaita kuti uvandudze chikwereti chako. Bata pane zvakaitika kare nekuda kwenyaya uye uchengetedze chikwereti chikoro.
Deredza zvishoma chikwereti chekwereti chaunoshandisa. Kuva nezvikwereti zvekadhi rechikwereti zvakanyanya zvichaunzawo chikwereti chako chikoro pasi. Nezvo zviri nyore pane bhajeti yekubhadhara chete zviduku pamakadhi ako ekwereti mwedzi wose, icho hachisi chinhu chakanakisisa chekwereti yako. Shanda kubhadhara pasi zvikwereti zvekadhi rako rechikwereti kusvika pasi pe30% yekwereti chikwereti. Icho chiri pasi chiri nani. Kuchengetedza zvikwereti zvemakadhi echikwereti zvakanyanya kunobatsira kusimbisa chikwereti chako.
Shandisa chikwereti chitsva chete sezvinodiwa.
Kunyange zvazvo imwe neimwe kadhi rechikwereti idzva ichitsvaga chikwereti chako zvishomanana, kukuvadza kwechokwadi mukuzarura kadhi kadhidhikiti ndeyo ngozi yekutamba zvikwereti zvakakura uye kushayikwa kuripo. Deredza nhamba yemakadhi emakwereti aunoshandisa.
Chengetedza chikwereti chako chekwereti uchishanda pasina chikwereti chikoro chebasa seKwereta Karma, Credit Sesame, kana WalletHub. Iwe unogona kugara uchikwanisa kushandura kuchinja kune chikwereti chenhamba uye kudzidza zvinhu zvinokonzera chikwereti chako. Iwe unofanirwa kuongorora zvakare chikwata chako chekwereti gore negore nekuenda kune AnnualCreditReport.com. Chengetedza ruzivo rwekwereti yako kuti ive nechokwadi chokuti ruzivo rwechokwadi rwakarurama uye runopikisa chero zvikanganiso nezvikwereti zvekwereti. Mushonga unorarama, wakarurama chikwereti chinewo chinhu chinokosha pakuvandudza chikwereti chako chekwereti.