Loaʻa i kaʻikeʻaiʻole me nā kaula
ʻO ka hopena, ua kauʻiaʻoe no ke kau inoa ināʻaʻoleʻoe e hōʻole i loko o kekahi manawa, i nā lāʻehiku.
ʻAʻole ponoʻoe e haʻalele i kāu kāleka kāleka no kekahi mea i manaʻoʻia e noa - aʻaʻoleʻoe e loaʻa. Aia kekahi mau ala e hiki ai iāʻoe ke loaʻa ka ukuʻai ukuʻole me ka komoʻoleʻana i kāu helu kāleka kāleka.
Nā Paena me ka Waihona Launaʻole
Ke hāʻawi aku neiʻo CreditKarma.com i kāu heluʻai paʻaʻole e like me kāu hōʻike ma ka TransUnion credit report . Hoʻohui pū lākou i kāu helu VantageScore a me ka heluʻai waiwai , no ka ukuʻole. ʻOiaiʻoe e noiʻia no kāu helu mālama ola a me nāʻikeʻike'ē aʻe,ʻaʻoleʻoe i noiʻia e hāʻawi i kāu helu kāleka kāleka. ʻO ka mea maikaʻi loa, hiki iāʻoe ke nānā i kāu heluʻai uku ināʻoe makemake.
Quizzle.com hiki iāʻoe ke nānā i kāʻoukouʻike kumuʻike Experian a me ka loiloi kālā no ka nele,ʻaʻohe kāleka kāleka i makemakeʻia. ʻOiai hiki iāʻoe ke hōʻoia i kāu helu ukuʻaiʻole a loiloi ma o Quizzle i kēlā me kēia manawa, e hiki ke hoʻouka houʻia nāʻelua i nā mahinaʻeono.
ʻO ka pahuhopuʻo CreditSesame.com,ʻo ia ke hoʻokipa iāʻoe me nā pāʻoihana e hoʻokaʻawale i kāu hōʻai'ē ma o ka hoʻolimalimaʻana a me nā koho koho kāleka liʻiliʻi o ka liʻiliʻi. ʻO kāu hapaʻai paʻaʻole he wahi ia o ka maʻamau aʻaʻoleʻoe e hāʻawi i kāuʻike kāleka kāleka e loaʻa.
Ka weheweheʻikeʻikeʻike
Hiki iāʻoe keʻike i ke kānāwai e koi ana i nā bureaus credit e hāʻawi i nā mea kūʻai a pau i kope o kā lākou hōʻike hōʻike makahiki makahikiʻole .
Akā,ʻaʻole kēia kānāwai e hāʻawi i nā mea hoʻohana e komo i kā lākou helu hōʻai'ē. Akā, aia kekahi kānāwai'ē aʻe e hāʻawi ana i kekahi poʻe kelepona i ka uku kīnā free, akā aia ma hope o ka hoʻokumuʻana i kahi noi pili kālā.
ʻO ke kānāwai hōʻai'ē hōʻai'ē'ai'ē hou e koi ana i nā kī e hāʻawi i ka helu ukuʻaiʻole i nā mea noi i hōʻole a'āponoʻia paha me nā hua liʻiliʻi no ko lākou hōʻai'ē. ʻAʻole ponoʻoe e hana i kekahi mea no ka loaʻaʻana o kēia kaʻina uku ukuʻole. Hoʻounaʻiaʻo ia ma kahi i hoʻounaʻia ma muli o ka'ōlelo a ka mea nāna i hōʻai'ē.
Eia naʻe, aia kekahi mau manawa ke loaʻaʻole iāʻoe kēia uku uku ukuʻole,ʻoiai ināʻaʻoleʻoe e hōʻole. Eia kekahi laʻana,ʻaʻole pono e hoʻouna nā'aupili i ka hōʻikeʻana i ka hōʻai'ē'ai'ē inā hoʻohana lākou i ka heluʻai uku home a me nāʻoihana inimahiʻaʻole pono e hōʻike i ka helu hoʻokō i hoʻohanaʻia e hoʻoili i kāu pilikino hoʻokele.
ʻAʻole kahi FICO
ʻO ke kumukūʻai i nā heluʻai loaʻaʻole,ʻo ia paha,ʻaʻole paha he helu FICO ka heluʻana ,ʻo ka hopena i hoʻohana pinepineʻia e nā mea hāʻawi. Kāleka Karma, Quizzle, a me Credit Sesame e hāʻawi aku iāʻoe i ka hōʻailona o ka hōʻai'ē no kāu helu'ai'ē ,ʻo ia hoʻi kahi hōʻike FAKO . Hiki ke hoʻokaʻawale kēia mau helu ma waena o kekahi a me keʻano pinepineʻana mai kāuʻike FICO ma luna o ka hōʻike hōʻike hōʻai'ē o kēlā keʻena.
Hiki iāʻoe ke loaʻa kahi kī FICO pūnaewele me ka hōʻikeʻana i ka hōʻai'ē'ai'ē, akā, inā wale nō inā e hoʻohana ka'auleʻa i kahi kī FICO i ka hoʻoholoʻana.
Ināʻole, e loaʻa iāʻoe kekahi heluʻai'ē aʻe, akā,ʻo ia ka helu kūpono i hoʻohanaʻia e ka pēke, ma mua o ka helu hoʻonaʻauao.