ʻO ka wilwelika ka palena maʻamauʻoʻAmelika Hui Pūʻia he 675 i ka makahiki 2017, e like me kā Experian 2017 State Credit Credit.
Hoʻonohonohoʻia nāʻikepili ma luna o VantageScore 3.0 , ka mea e hoʻonui ana i nā helu hōʻai'ē ma kahi o 300 a 850.
Uaʻike maikaʻiʻia heʻoi aku ka maikaʻi o nā heluʻoihana kiʻekiʻe, akāʻo ka uhakiʻana i ka heluʻai'ai'ē i loko o nā kīkoʻo e hoʻomāhuahua ana i ka maopopo o nā helu heluʻai.
Nā VantageScore Rating category
- 781 - 850: Mea kiʻekiʻe
- 661 - 780: Nui
- 601 - 660: Near Prime
- 500 - 600: Subprime
- 300 - 499: Keʻei lalo
Nā Moku'āina me kaʻike kiʻekiʻe loa a me ka haʻahaʻaʻoihana hōʻikeʻike kiʻekiʻe
Loaʻa i Minnesota ka heluʻai kiʻekiʻe loa ma ka helu 709. Loaʻa ka Mississippi i ka helu kau palena haʻahaʻa ma 647.
ʻO ke koena o nā topena 10 i kīʻia me ka hapa nui o ka heluʻai kiʻekiʻe loa: Vermont (702), New Hampshire (701), South Dakota (700), Massachusetts (699), North Dakota (697), Wisconsin (696), Iowa ( 695), Nebraska (695), Hawaii (693). Ua manaʻoʻia kēia mau helu'ai'ē he Pōha ma ka pālākiō VantageScore. ʻO ka poʻe i loaʻa i nā inoa haʻawina kiʻekiʻe, he manawa maʻalahi ka manawa e'āponoʻia ai no ka hōʻai'ē a loaʻa iā lākou nāʻano maikaʻi i ka wā e'āponoʻia ai.
No nāʻaoʻao'ē aʻe he 9 me ka hapa haʻahaʻa haʻahaʻa haʻahaʻa: Louisiana (650), Georgia (654), Alabama (654), Nevada (655), Texas (656), Oklahoma (656), South Carolina (657), Arkansas (657), a me West Virginia (658). Ma ka VantageScore pālākiō, ua manaʻoʻia kēia mau helu hoʻolālā e pili ana i Kūmua. Hiki paha ke paʻakikī loa ka hōʻoiaʻana no ka hōʻai'ē aʻoi aku ka nui o nā uku hoʻolimalima.
Hiki i ke kelepona keʻano i ka helu hōʻai'ē? Hiki paha keʻikeʻia e pili ana i kaʻikepili. ʻEhiku o nāʻanuʻu 10 he 10 iʻoi loa ka heluʻai ukuʻoihana ma luna o Midwest i ka manawa 9 o nā 10'eneke me ka hapa haʻahaʻa haʻahaʻa haʻahaʻa i loaʻa ma ka Hikina Hema.
ʻOiaʻiʻo, oiai kāu helu helu i loko o kāu hōʻike kālā,ʻaʻole ia he helu i kāu helu'ai'ē. ʻO kahi wale nō pili i pili i kāu mau loina a me kāu mau uku uku e komo i kāu helu'ai'ē. ʻO ka moʻolelo o ka hōʻai'ē ka mea nui loa i ka helu helu VantageScore. He 35% hoʻi o kāu pūnaewele FICO. ʻO ka makahiki a me nāʻano o ka hōʻai'ē i hoʻohanaʻia a me ka pakeneka o nā hoʻohana palena palena loiloi nui loa i ka VantageScore. ʻO ka nui o nā palekana a me ka'ai'ē he loea maʻamau. ʻO nā mea iʻoi loa aku ka hopena o ka hana a me nā noiʻi a me ka hōʻai'ē i loaʻa.
Moku'āina | Ka nui o VantageScore |
| Alabama | 654 |
| Alaska | 668 |
| ʻO Arizona | 669 |
| Arkansas | 657 |
| Kaleponi | 680 |
| ʻO Colorado | 688 |
| Kuhikuhi | 690 |
| Kaapuni o Columbia | 670 |
| Delaware | 672 |
| ʻO Florida | 668 |
| Keokia | 654 |
| Hawaii | 693 |
| Idaho | 681 |
| ʻo Illinois | 683 |
| ʻO Indiana | 667 |
| Iowa | 695 |
| Kansas | 680 |
| Kentucky | 663 |
| ʻO Louisiana | 650 |
| Maine | 689 |
| ʻo Maryland | 672 |
| Massachusetts | 699 |
| Michigan | 677 |
| ʻO Minnesota | 709 |
| Mississippi | 647 |
| Missouri | 675 |
| Montana | 689 |
| Nebraska | 695 |
| Nevada | 655 |
| ʻO New Hampshire | 701 |
| ʻO New Jersey | 686 |
| New Mexico | 659 |
| Nuioka | 688 |
| North Carolina | 686 |
| North Dakota | 697 |
| Ohio | 678 |
| Oklahoma | 656 |
| Oregon | 688 |
| Pennsylvania | 687 |
| ʻO Rhode Island | 687 |
| South Carolina | 657 |
| South Dakota | 700 |
| Tennessee | 662 |
| Utah | 683 |
| Virginia | 680 |
| ʻO Vermont | 702 |
| ʻO Washington | 693 |
| West Virgina | 658 |
| ʻO kaʻike | 696 |
| ʻO Wyoming | 678 |
Kumu: Experian |
Nā Kōkua no ka Hoʻonuiʻana i kāuʻIke Loa
Hiki iāʻoe ke hana i ka hoʻomaikaʻiʻana i kāu'ai'ē'ai'ē ma kahi o kahi e noho nei. No ka meaʻo ka moʻolelo kuhiʻo ka mea nui loa i ka hopena o kāu helu'ai'ē ,ʻo ka ukuʻana i kāu mau pili i ka manawaʻo ia ka mea maikaʻi loa e hiki ai iāʻoe ke hoʻonui i kāu helu'ai'ē. E kiʻi i nā kālā i hala aʻe nei a mālama i nā hōʻai'ē.
E ho'ēmi i ka nui o ka hōʻai'ē āu e hoʻohana nei. Ma ka loaʻaʻana o ka kaulike kāleka hōʻai'ē nui e lawe pūʻia hoʻi kāu heluʻai uku. ʻOiaiʻoi aku ka maʻalahi o ka pūlāwai e uku i ka palena liʻiliʻi ma kāu mau kāleka i kēlā me kēia mahina,ʻaʻoleʻo ia ka mea maikaʻi loa no kāu hōʻai'ē. E hana i ka ukuʻana i kāu kaulike kāleka hōʻai'ē ma lalo o 30% o ka palena palena. ʻO ka lalo kaʻoi aku. ʻO ka mālamaʻana i nā kaulike kāleka haʻahaʻa nui loa e kōkua i ka hoʻonuiʻana i kāu heluʻai.
E noi i kahi hōʻai'ē hou e like me ka mea e pono ai.
ʻOiaiʻo kēlā me kēia kāleka hōʻai'ē hou e liʻiliʻi i kou hōʻai'ē i kahi liʻiliʻi,ʻo ka pōʻino maoli i ka weheʻana i nā kāleka kāleka he mea e pilikia ai ka holoʻana i nā kaulike nui a me nā uku i hala. E ho'ēmi i ka helu o kāleka kāleka āu e noi ai.
E mālama i kāu helu'ai'ē ma o ka hoʻohanaʻana i kahiʻoihana uku lanakila likeʻole e like me Credit Karma, Credit Sesame, a me WalletHub. Hiki iāʻoe ke hoʻoholo i kēia manawa i nā loli i kāu heluʻai'ai'ē a e aʻo i nā hopena e hoʻolālā i kāu helu'ai'ē. Ponoʻoe e nānā i kāu hōʻike hōʻike piha piha i kēlā me kēia makahiki ma ka heleʻana i AnnualCreditReport.com. E hōʻoia i kāu hōʻike hoʻoili kālā e hōʻoia i ka pololei o nāʻike a pau a ke kū'ē i nā kuhihewa me nā bureaus credit. He kī maikaʻi,ʻike pololei ka hōʻike kālā kālā i ka hoʻoikaikaʻana i kāu helu'ai'ē.