Definition: FICO no ka hui i hoʻohuiʻia: F air I saac Co rporation, i kapaʻia i ka makahiki 1956 ma hope o kona mau mea i hoʻokumu: Bill Fair, he mea hoʻokele, a me Earl Isaac, he mathematician. He kumukānāwai hōʻailona hōʻailona maʻamau ia e nānā ana i ka hopena o ka hopena o ka mea noi.
Ua hoʻolakoʻia e Fair Fair i ka waenakonu o nā makahiki 1980, akā,ʻaʻole i wehe loaʻia a hiki i ka makahiki 1995 i ka pukaʻana oʻelua mau hui nui, Fannie Mae a me Freddie Mac, ka mea i kūʻai aku iʻelua paha o nā waiwai āpauʻekolu. nā loina, makemakeʻia e hāʻawi nā loina i nā helu FICO.
I kēia lā,ʻaʻole hiki iāʻoe ke loaʻa ka moraki me kaʻole e hāʻawi aku ka mea loiloi i kāuʻike FICO. ʻO ka papahana papahana papahana maikaʻi loa mai Fannie Mae e hoʻokomo pū i kāu helu kiʻekiʻe 3 FICO mai nā hui pūnaewele hōʻailonaʻekolu: Equifax, TransUnion, a Experian. He kumu kēia i kekahi manawa e hoʻolaha nā mea lawelawe i nā mea kūʻai aku e noi i kope o ka mea kūʻai a DU i hiki iā lākou ke nānā i nā helu FICO no lākou iho. Pono ka mea kūʻai aku e hāʻawi i kaʻae no ka mea nāna e hāʻawi i ka papahana ma lalo o ke kelepona i lalo i kahi poʻe.
Hoʻolālā nā mea hoʻolimalima i nā helu FICO nui loa no ka hāʻawi kālā. ʻO kekahi mau helu FICO he palena palena, a no ka hāʻawiʻana i nā uku kālā. Hiki i kekahi poʻe homeboyers mua loa ke loaʻa i kahi mea nāna e hāʻawi iā lākou i hōʻai'ē inā loaʻa ka pahu FICO i lalo o 600.ʻO kaʻoi aʻe o kāu FICO,ʻo ka emi o kāu ukupanei a me nā uku. Keʻikeʻoe i ka huina kālā i hoʻohālikelikeʻia ma kekahi mau pūnaewele, e mālamaʻia nā mea i nā helu FICO maikaʻi.
Mai hopohopo a hāʻawiʻole paha inā he haʻahaʻa FICO kāu a emiʻole ka mea kūʻai i kāu noi moraki . Aia kekahi mau ala e hoʻomaikaʻi ai i kāu kī FICO, a hiki i kekahi mau loina laikini ke hoʻokuʻu i nā mea kūʻai me ka hōʻai'ē liʻiliʻiʻole i kahi kamupene e hoʻoponopono hou. Eʻikeʻoe e loaʻa iāʻoe kahi kuhikuhi mai ka mea nāna i hāʻawi i ka hale hana hōʻai'ē, akā, no ka mea,ʻo kekahi o lākou he mau ripololelo aʻaʻole i hoʻomaikaʻi pono i kāu helu'ai'ē.
No ka hoʻoikaikaʻana i kāu helu'ai'ē, e ho'āʻo e uku i nā kaulike nui, a hoʻomaka me ka nui nui loa. Inā ua hoʻonuiʻia kāu mau kāleka kāleka, e ho'ēmi ana i kāu kī FICO. Ponoʻoe i kahi lapa maikaʻi ma waena o ka nui o kāu aie a me kāu helu laina.
Mai wehe i kekahi laina hou o ka hōʻai'ē aʻaʻole hoʻi e hoʻopau i nā lālani kahiko me ka'ōleloʻole aku i kāu mea nāna i hāʻawi aku i ka moraki. Ināʻaʻole āu kāleka kāleka, hikiʻole iāʻoe ke loaʻa kahi FICO. E ho'āʻo e hoʻokumu i ka hōʻai'ē i hoʻokahi makahiki a pēlā paha ma mua o kou nānāʻana i nā hale no ke kūʻai.
Mai hōʻaleʻa i ka uku. ʻO ka lōʻihi o ka ukuʻana, ua kapaʻiaʻo ka hōʻinoʻana a me ka nui o nā derogatories e hōʻike ana i kāu hōʻike kālā ,ʻo ka haʻahaʻa o kāu helu'ai'ē. ʻO ka mālama a me ka paleʻana i kāu hōʻai'ē he poʻokela ia iʻoleʻoe e aʻoʻia i ke kula aiʻole ma ka home, akā, he mea nui i ka kūʻaiʻana i kahi home. Hiki ke hoʻohālike i kaʻokoʻa ma waena o ka kūʻaiʻana i kahi home aʻaʻole paha i'āponoʻia no ka morakiʻana.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.
'Ōlelo hoʻopuka: F-eye Coh
Kāna iʻikeʻia e like me: Nānā Loaʻa
HanaʻAi: No 750 ka wahine FICO, ua manaʻo ka mea uku iā Maria he waiwai maikaʻi loa ia a na Mary e lawe i kālā ma kahi haʻahaʻa haʻahaʻa haʻahaʻa, i mālamaʻia no nā mea kūʻai kiʻekiʻe FICO.