Ka hoʻomaopopoʻana i nā mea likeʻole
ʻO kaʻike'ai'ē he Generic Term
E hoʻomaka kākou i kinohi.
E noʻonoʻo i ka "heluʻaiʻai" e like me kahi hua'ōlelo maʻamau i hoʻohanaʻia e pili i ka helu helu i hāʻawiʻia i kāu moʻolelo kuhi . ʻO kāu heluʻai'ai'ē e heluʻia me ka hoʻohanaʻana i nāʻike i loko o kāu hōʻike hoʻoili kālā a hōʻike iāʻoe inā he maikaʻiʻole kāu ('ai'ē hōʻai'ē haʻawina) aiʻole maikaʻi (ʻikeʻai loiloi kiʻekiʻe)ʻike moʻolelo pilikino.
He nui nā hui e kūʻai ana i nā helu hōʻai'ē, aʻo kēlā me kēia o nā kumukūʻai ukuʻekolu i loaʻa i kona iho pono'ī no ka hōʻai'ē'ai'ē. ʻOi hou, ua hana pū nāʻoihana hoʻokele nui nui a piʻi pū me kā lākou hōʻailona koho,ʻo ka Vantage Score .
ʻO ka FICO kahi pahuhopuʻikeʻike
ʻO ka hua'ōlelo FICO ka mea hōʻoia i ka heluʻoi loa. ʻO ia kahi hōʻailona loiloi paʻa, hoʻokumuʻia a mālamaʻia e kahi hui i kapaʻiaʻo FICO, i mua o Fair Isaac. No ka heluʻana i kaʻikeʻana o nā ana-i-ka-ma ka FICO i kahi huiʻana iā Band-Aid. E hoʻopili iki i nā mea: i ka'ōleloʻana o nā kānaka i ka'ai'ē'ai'ē, pinepine lākou e pili ana i ka score FICO, akā hiki paha iā lākou ke kuhikuhi i kekahi helu helu hōʻai'ē ma laila.
Pehea e pili i FAKO?
ʻO ka helu FAKO he manawa ia e pili ana i ka heluʻai'ai'ēʻole he kānana FICO. Ināʻoe i kūʻai i kāu heluʻai'ai'ē mai kēlā me kēia wahi ma MyFICO.com, a laila, he hōʻike FAKO. ʻO kēia mau helu FAKO no nā kumu hoʻonaʻauao wale nō aʻaʻole pono e hōʻike i nā helu a nā mea hoʻoili e hoʻohana pono nei e'āpono i kāu mau noi.
ʻAʻohe pūnaewele FICO i kūʻaiʻia ma ke keleponaʻaʻole e like me ka mea e hoʻohanaʻia ana e kāu mea hoʻohana ma muli o ka nui o nā hua'ōlelo o ka FICO, nāʻano no nāʻoihana'ē aʻe, a me nā mana i hala i hala aku nei.
He aha ka Difference?
E like me kā mākouʻike, ua heluʻia nā helu heluʻai a pau, koe wale no ka VantageScore nāna i hāʻawi i nā mea kaulike likeʻole i kaʻike hōʻike hōʻike kālā. Ma muli o ka hikiʻole iā mākou keʻike i ke kikowaʻina pololei o kēlā me kēia hui, hikiʻole iāʻoe ke kuhikuhi i nāʻano likeʻole.
Hoʻolilo nā mea hōʻai'ē a me nā poʻe kālā i ka hōʻai'ē hōʻai'ē mai ka pūnaewele i kā lākouʻoihana pili. Hiki ke hoʻolilo i ka helu'ai'ē o kaʻaha kālā, ka kī FICO, aiʻole ka uku'ai'ē pono'ī a ka mea nāna e hāʻawi. ʻO kahi wale nō eʻike aiʻo ia ka haʻiʻana aku iāʻoe i kāu mea kūʻai.
ʻO kēlā me kēia mea hōʻai'ē e hōʻole ana i kāu noi aiʻole e'āpono iāʻoe no nā hua liʻiliʻi e pono e hoʻouna i kahi kope kope o kāu heluʻai'ai'ē ināʻo kāu heluʻai'ai'ē ke kumu no ia'ōlelo.
He aha kaʻu e mālama ai?
Loaʻa ka nui o nā hōʻai'ē likeʻole ma waho no kahi ho'āʻo e hoʻonui iā lākou a pau. Ināʻoe e hana nei i ka hoʻomaikaʻiʻana i kāu hōʻai'ē, e hoʻohana i ka helu FICO i kāu kumu. Ināʻoe e nānā i ka hōʻiliʻiliʻana i kāu helu FICO, e piʻi pū kekahi mau helu "FAKO".
E hoʻomaopopo he hiki iāʻoe ke kūʻai i kāu helu FICO wale nō ma muli o kāuʻikeʻike pūnaewele Equifax a me TransUnion. ʻAʻoleʻike houʻo Experian iā FICO e kūʻai aku i nā helu hōʻai'ē hookupahana e pili ana i kaʻike pilikino hōʻikeʻike a Experian.