Chii chinonzi VantageScore?
Apo vanhu vazhinji vachitaura pamusoro pekwereti chikoro, vari kutaurira kuFICO chikamu, icho chinonyanya-chinoshandiswa nevakweretesi. Asi, handizvo chete chikoro chekwereti kunze uko. VantageScore yakatangwa nematatu makuru emarikodhi-Equifax, Experian, uye TransUnion - muna March 2006.
Iko mari yechikwereti yakakwira neVantageScore kuitira kuti vatengi vechikwereti zvikwereti zvingagadzikana pakati pematatu emari ekubhadhara chikwereti.
Pamberi peVantageScore, imwe neimwe yezvikwereti zvekwereti yakashandisa pachake chikwereti chekuenzanisa chikonzero chakakonzera kusiyana kune zvikwereti zvekwereti kunyange kune iyo iyo mvumo yechikwereti.
VantageScore 3.0
Muna 2013, VantageScore yakabudisa iyo 3.0 shanduro yekwereti yechikwereti, iyo yakagadzirisa hutungamiri hwezvikwereti uye yakagadzirisa mamiriyoni evatengi vaimbove vasina kukodzera. VantageScore 3.0 yakagamuchirawo mazana matatu kusvika ku850 mararamiro.
VantageScore 3.0 inotora zvikwereti zvekwereti zvichibva pane zvitanhatu zvinokosha .
- Payment history - 40%
- Zera uye rudzi rwechikwereti - 21%
- Percent yechikwereti chakashandiswa - 20%
- Zvose zviyero / chikwereti - 11%
- Ikozvino maitiro echikwereti nemibvunzo - 5%
- Chikwereti chiripo - 3%
Uyezve, VantageScore 3.0 inokanganwira vatengi nokuda kwezvakaipa pamatambudziko epasipo, mibayiro "yepamusoro" vatengi vanobhadhara zvikwereti zvemari, vasingabatanidzi zvikwereti zvakabhadharwa, uye vanoderedza kuwedzera kwepamusoro kubva kumushandisi wemushandi weguruva.
Previous VantageScore Models
Zvikamu zvakatarwa kushandisa VantageScore 2.0 uye yekare mitero yakatanga kubva 501 kusvika 990 uye zvikwata zvakakwirira zviri nani. VantageScore anopa dhiyabhorosi chikamu kune chikwereti chemutengi wevatengi. Tsamba yebhuku inotora mhedziso kubva pakufunga kuti chii chakanaka chikwereti chikoro.
- 901 - 990 = A, Super Prime, 11% yevatengi ndeye Super Prime.
- 801 - 900 = B, Prime Plus, 29%
- 701 - 800 = C, Prime, 21%
- 601 - 700 = D, Kwete-Prime, 20%
- 501 - 600 = F, High Risk, 19%
VantageScore Formula
The VantageScore inorongwa zvichienderana nemashoko ari munhoroondo yako yekwereti, asi inopfuura 24-mwedzi yekwereti yakaitika ine zvakakosha zvikuru pane VantageScore.
VantageScore 2.0 uye yapfuura maenzanisi akayera zvikwereti zvitanhatu zvekwereti zvinotevera:
- 28% - Mutero wekubhadhara - ingave mari yako inogutsa, inopesana, kana kuti inoseka
- 23% - Kushandiswa - mari yekwereti yawakashandisa
- 9% - Kuyera-muyero wezvakaitika zvino zvataurwa uye zvinoshandiswa
- 8% - Kuwedzera kwekwereti - urefu hwekwereti yako yekwereti nemhando dzekodha dzaunazvo
- 30% - Ichangobva kupiwa chikwereti - nhamba yekambani yakavhura chikwereti uye zvikwereti zvekwereti
- 1% - Chikwereti chinowanikwa - mari yekwereti iripo pamakadhi ako kadhi rekwereti
VantageScore vs. FICO Score
The VantageScore chimiro chakafanana neFICO chikamu chechishanu-factor formula (mari yekubhadhara, chikwata chekwereti, makore ekukwereta, nhoroondo yemakabheti, mibvunzo), asi zvikamu zvakaparadzaniswa zvakasiyana-siyana: makore ekukwezva chikwereti uye rudzi rwekodha yakabatanidzwa mukudzika kwaVantageScore (15% vs. 13%).
Mukuwedzera kune chikwereti kushandisa (30% yeFICO yako score), VantageScore inofungawo kadhi rechikwereti uye zviyero zvezvikwereti uye chikwereti chiripo (10% yeVantage Score).
Your VantageScore icharamba ichinyanya kubva kune imwe hofisi yekwereti kuenda kune inotevera sezvo ruzivo rwemari yako yemitero yakasiyana.
Chikwereti Inquiries uye VantageScore
Iwe unogona kutarisa VantageScore yako usingatori chikwereti chako chekwereti kubva apo rudzi urwu rwekwereti rekutsvaga ruregerero harukanganisi chikwereti chako. Wako VantageScore inobatwa nemibvunzo inoguma kubva pane yako yekukumbira chikwereti, kadhi rechikwereti, kana rimwe basa.
Maonero Akutarisa Vantage yako
Iwe unogona kuwana shanduro dzepachena dzeVantageScore kubva kuCredit.com, CreditKarma.com , LendingTree.com, uye Quizzle.com.