He aha ka VantageScore?
I ka loheʻana o ka hapanui o nā kānaka e pili ana i nā helu hōʻai'ē, e'ōlelo ana lākou i ka māhele FICO,ʻo ka laikini i hoʻohana nuiʻia e ka poʻe hāʻawi. Akā,ʻaʻole ia wale nō ka heluʻaiʻai ma laila. Ua hoʻolālāʻia ka VantageScore e nā kumukūʻai ukuʻekolu - Equifax, Experian, a me TransUnion - i Malaki 2006.
Ua piʻi mai nā bureaus hōʻaia me VantageScore no ka mea e kūlike nā helu helu hōʻai'ē ma waena o nāʻekolu kumukūʻai'ai'ēʻekolu.
Mamua o ka VantageScore, ua hoohana kela me keia o na burea nana i hoohana i ko lakou ano hooiho hoohalike ana i hiki ai i na oko like ole i na helu hoolimalima no ka like o ka palapala hoike aie.
ʻO VantageScore 3.0
I ka makahiki 2013, ua hoʻokuʻuʻiaʻo VantageScore i ka 3.0 o kona helu heluʻai, iʻoi aku ka maikaʻi o ka helu a loaʻa i nā helu no nā mili miliona o nā mea kūʻai i hala muaʻole. ʻO ka VantageScore 3.0 hoʻi i laweʻia he 300 a 850 mau lā.
ʻO VantageScore 3.0 ke helu nei i nā helu hōʻihi e pili ana i nā kumu nuiʻeono .
- Ka moʻolelo hoʻokele - 40%
- Makahiki a me keʻano o ka hōʻai'ē - 21%
- Ka hapalua o ka hōʻai'ē hoʻohana - 20%
- Ka nui o nā palekana / aie - 11%
- Nā hana loiloi hou a me nā noiʻi - 5%
- Loaʻa kālā loaʻa - 3%
Eia hou,ʻo VantageScore 3.0 e kala aku i ka poʻe e loaʻa ana i nā alaʻole i nā pōpilikia kūlohelohe, nā mea kūʻai "mea kiʻekiʻe" i nā mea kūʻai no nā uku moraki, me ka hōʻiliʻiliʻana i nā hōʻiliʻili uku, a hoʻemi i ka hoʻouluʻana mai ka mea hoʻohana ponoʻia.
Nā Modèles VantageScore mua
Nā helu i heluʻia me VantageScore 2.0 a me nā hiʻohiʻona i hala mua mai 501 a 990 me nā helu kiʻekiʻe heʻoi aʻe. Hanaʻo VantageScore i kahi leka i kēlā me kēia helu'ai'ē a kēlā me kēia kanaka. Lawe ka leka i ka mea koho mai loko mai o kaʻikeʻana i ka hopena maikaʻi maikaʻi.
- 901 - 990 = A, Super Prime, 11% o nā mea kūʻai liloʻo Super Prime.
- 801 - 900 = B, Prime Plus, 29%
- 701 - 800 = C, Pakeha, 21%
- 601 - 700 = D, Non-Prime, 20%
- 501 - 600 = F, Kiʻi Nui, 19%
ʻO VantageScore Formula
Ua heluʻia ka VantageScore ma muli o kaʻike i loko o kāu hōʻike hoʻoili kālā, akāʻo ka 24 mau mahinaʻoi aku o ka moʻolelo moʻolālā ka hopena koʻikoʻi ma VantageScore.
ʻO ka VantageScore 2.0 a me nā mea i hala mua i kaupaonaʻia heʻeono heluʻai kālā e like me kēia:
- 28% - Hoʻolimalima i ka moʻolelo - inā maikaʻi kāu uku,ʻaʻohe pono, a me ka hōʻino paha
- 23% - Ka hoʻohanaʻana - ka nui o ka hōʻai'ē āu i hoʻohana ai
- 9% - Balances - ka nui o nā manawa i hōʻikeʻia i kēia manawa a me nā pale kaulike
- 8% - ka hohonu o ka hōʻai'ē -ʻo ka lōʻihi o kāu moʻolelo moʻomanaʻo a me nāʻano pilikino i loaʻa iāʻoe
- 30% - Nānā hou - ka helu o nāʻike kālā hōkeʻe i hoʻomaka kokeʻia a me nā noi noiʻi
- 1% - Loaʻa loaʻa ke kālā - ka nui o ka hōʻai'ē e loaʻa nei ma kāu mau kāleka kāleka kāleka
ʻO VantageScore vs. FICO Score
ʻO keʻano o ka VantageScore e like me ka FICO kumu helu pae-helu (ka huina kālā, ka uku o ka aie, ka makahiki o ka hōʻai'ē hōʻeuʻeu, keʻano pilikino, nā nīnau), akā e hoʻokaʻawaleʻia nā mahele:ʻo ka makahiki o ka mōʻaukala moʻomeheu a me keʻano o ka helu i loko o VantageScore kahi hohonu o ka hōʻai'ē (15% a me 13%).
Ma waho aʻe o ka hoʻohana kālāʻana (30% o kāu kī FICO),ʻo ka VantageScore hoʻi e noʻonoʻo i nā kaulike kāleka a me nā pale kau'ē a me ka hōʻai'ē i loaʻa (10% o ka Vantage Score).
ʻO kāu VantageScore e hoʻololi mau ana mai kahi keʻenaʻaha kālā i ka mea e hiki mai ana ma hope mai o kaʻikeʻana o kaʻike i loko o kāu pūnaeke kālā.
NāʻIkeʻIke a me VantageScore
Hiki iāʻoe ke nānā i kou VantageScore me ka loaʻaʻole o kāu hōʻai'ē hōʻemi mai ka hōʻeaʻana mai o kēiaʻano pūnaewele hōʻike noiʻiʻanaʻaʻole hoʻololi i kāu hōʻai'ē. Ke hoʻopiliʻia kāu VantageScore e nā nīnau e loaʻa mai i kāu noi no kahi hōʻai'ē, kāleka kāleka, a iʻole ka lawelawe'ē aʻe.
Pehea eʻike ai i kāuʻike waiwai
Hiki iāʻoe ke loaʻa nā'aleʻa free o VantageScore mai Credit.com, CreditKarma.com , LendingTree.com, a me Quizzle.com.