ʻO kāu heluʻai'ai'ē kekahi o nā helu nui loa o kou ola. ʻO kēia mau helu heluʻekolu ke hōʻike nei i kāu kūleʻaleʻa, a iʻole paha hiki iāʻoe ke uku i kāu kālā āu e noi ai. Loaʻa nā helu helu kālā mai 300 a hiki i 850, me nāʻoihana kiʻekiʻe kiʻekiʻe heʻoi loa ia.
MeʻApelila 2017, he 20.7 pakeneka o nāʻAmelika e loaʻa ana he FICOʻoi aʻe ma luna o 800, e like me kaʻikepili mai FICO. Mālama kēia i ka hapa nui o ka nui o nā kānaka me nā helu hōʻai'ē ma luna o 800 a ua hoʻoponopono pololeiʻia i lalo i nā hāʻuleʻole.
No ka loaʻaʻana o ka helu kuhi he 35 pakeneka o ka helu helu hōʻai'ē, aia kekahi pilina ikaika ma waena o ka loaʻaʻana o ka hōʻai'ē kiʻekiʻe a me ka hapa nui o nā uku i hala.
Nā Huakaʻi o ka Loaʻa Loaʻa 800
No laila he aha kāu e loaʻa ai ma muli o ka loaʻaʻana o ka helu 800? He mea kēia e hoʻoikaika aiʻoe? E hōʻoia i kēia mau ponoʻekolu ma ka loaʻaʻana o ka heluʻana he 800.
Loaʻa paha iāʻoe kāu mau noi i'āponoʻia . E hoʻomanaʻo i nā helu'ai'ē e hōʻike ana i kāu kūpaʻa. Me kāu mauʻike kālā'ē aʻe,ʻo kāu uku uku uku e kōkua i nā poʻe hoʻolale e wānana ināʻoe e uku i ke kālā āu e noi ai. Me ka hōʻai'ē kiʻekiʻe kiʻekiʻe,ʻike nā mea hāʻawi iāʻoe ma keʻano he mea'ai'ē liʻiliʻiʻole a loaʻa iāʻoe kahi kūpono maikaʻi aʻe no ka'āponoʻiaʻana.
Hiki iāʻoe ke kūpono no ka uku hapa haʻahaʻa . ʻO kāu heluʻai'ai'ē he mea nui loa ia eʻike ai i ka nui o ka uku kālā ma nā loina . Loaʻa iāʻoe he 800'ai'ē'ai'ē e hāʻawi iāʻoe e hoʻolālā i nā kumukūʻai haʻahaʻa a mālama i nā kālā he tausani no ke ola o kāu noi.
Eʻike anaʻoe i ka hopena nui loa me nā loina nui āu e uku nei i kahi manawa lōʻihi, e like me ka moraki a me nā ukana kaʻa.
Mai uku i ka uku i ka wā e lawe anaʻoe i kahi kaulike kāleka hōʻai'ē . No ka hōʻai'ē'ai'ē, hikiʻole i nā mea a pau ke pale aku i ka ukuʻana i kāleka kāleka i ka wā e uku ai lākou i ka paleʻai kāleka piha i piha i kēlā me kēia mahina.
Loaʻa iāʻoe he 800 bane'ai'ē e hāʻawi iāʻoe eʻae no nā kāleka kāleka e hāʻawi aku i ka hoʻonui pākihana he 0 ma ka kūʻaiʻana a me nā hoʻololi hoʻoili. Loaʻa iāʻoe kekahi o kēia mau kāleka kāleka i kāu putele e hāʻawi iāʻoe i ka maʻalahi e lawe i kahi palekana kāleka hōʻai'ē a uku aku i ka manawa a koe e hōʻole i ka uku kālā ma kāu kaulike.
Nā Manaʻo e kūkulu a mālama i kahi 800 Credit Score
ʻO ka helu 800 hōʻai'ēʻaʻole i mālamaʻia no nā poʻe i nui ke kālā a iʻole loaʻa kekahiʻano kūikawā kūikawā me nā bureaus nama. ʻO ka mea nāna e mālama i kā lākou hōʻai'ē pono, hiki iā ia ke mālama a mālama i ka helu 800. Eia kekahi mau kuhikuhi.
E uku i nā mea a pau i ka manawa . ʻO kāu mau moʻolelo kuhi kālā he hapa nui o kāu helu'ai'ē. ʻO ka nui o nā uku manawa i loaʻa iāʻoe ma kāu hōʻike hōʻai'ē,ʻoi aku ka maikaʻi no kāu helu'ai'ē. E uku i kāu kāleka kāleka a me nā loans i ka manawa iʻole eʻeha kāu moʻolelo kuhi.
E mālama pono i kāu kaulike kāleka hōʻai'ē . ʻO ka'ōlelo maʻamau,ʻo ka mālamaʻana i kāu kaulike ma lalo o 30 pakeneka o ka palena laina maikaʻi loa no kāu helu'ai'ē. Inā makemakeʻoe eʻae a mālama i ka helu helu 800, e hoʻoholo i kāu kaulike kāleka hōʻai'ē ma lalo o kēlā. Loaʻa ka poʻe me nā heluʻai maikaʻi loa i ka liʻiliʻi ma mua o 10 pakeneka o ko lākou palena palena.
Ma ke kāleka kāleka me kahi palena kālepa $ 5,000, no ka laʻana, heʻawelike $ 500 a emiʻole ka manaʻo no ka mālamaʻana i kahi heluʻai uku maikaʻi.
E pale i nā mākei kālā nui . I kēlā manawa kēia manawa e hanaʻoe i kahi noi noi i kahi kāleka hōʻai'ē, ua hoʻokumuʻia kahi noiʻi paʻakikī ma kāu hōʻike kālā. ʻO kēia mau paʻakikī paʻakikī he 10 pakeneka o kāu helu'ai'ē. ʻAʻole nui ka nui, akā hiki keʻike i ka likeʻole ma waena o 800 a me 780 e pili ana i nāʻike'ē aʻe ma kāu hōʻike kālā. Inā makemakeʻoe e noi no kahi hōʻai'ē a iʻole kāleka kāleka, e hana i kāu mau haʻawina home ma mua o ka manawa e hiki ai iāʻoe ke noi i hoʻokahi wale nō a hōʻalo i nā nīnau noiʻi he nui.
E nānā i kāu hōʻai'ē a hana wikiwiki e wehe i nā hewa . ʻO kāu heluʻai uku ma kekahi manawa i hoʻonohonohoʻia ma kaʻikepili i loko o kāu hōʻike kālā hoʻokele i kēlā manawa i ka manawa. ʻO ia hoʻi, hiki iāʻoe ke lilo i kāu heluʻai uku maikaʻi inā loaʻa nā loli nui i kāu hōʻike hoʻokele,ʻoiai nā hewa.
E mālama pono i kāuʻikeʻike kālā ma o ka hoʻohanaʻana i nā pono a me nā uku i loaʻa - CreditKarma.com, CreditSesame.com, WalletHub.com, AnnualCreditReport.com, a me myFICO.com. Ināʻikeʻoe i nā hemahema, e hoʻohana i ka hoʻopiʻi hoʻopiʻi hoʻopiʻi kālā e hoʻopau koke iā lākou.
E hōʻike i nā makahiki kūponoʻole i kāu hōʻike kālā . Hiki iāʻoe ke paʻakikī i ka loaʻaʻana o ka helu'ai'ē 800 me nā uku pānaʻi a me nā mea kūponoʻole i kāu hōʻike kālā. ʻO ka pōmaikaʻi, e hāʻule ana ka nui o nāʻanoʻikeʻole i kāu hōʻike kālā ma hope o nā makahikiʻehiku. Ināʻaʻole hiki iāʻoe ke hoʻoneʻeneʻe i nā mea kūponoʻole no ka mea pololei lākou, e hoʻomanawanui no nā makahiki'ē aʻe, e uku i nā mea'ē aʻe a pau.
ʻO ka mea maikaʻi, he nui nā mea kālā e hoʻolimalima i ka 760 o ka cutoff no kahi maikaʻi maikaʻi. Me ka hōʻai'ēʻaiʻoi aʻe ma luna o kēlā helu, e loaʻa iāʻoe nā hapanui o nā kōkua like me kekahi me 800 helu'ai'ē. Ponoʻoe e hana iki aʻe a kali i kahi manawa lōʻihi inā makemakeʻoe i nā kuleana hilahila.