Ma ke kula, loaʻa iāʻoe kahi māka e hiki ke hāʻule ma kahi a pau mai ka 0 a 100 ma muli o kekahi hapa o ka hana āu i hana ai ma ka papa. ʻO ke kiʻekiʻe o kāuʻoihana,ʻo ka maikaʻi. Nā heluʻai kālā - nā helu e kau ana i kāu kūpaʻa - e hoʻohana i ka manaʻo like. ʻO kāu mau helu hōʻai'ēʻekolu ke kahawai ma waena o nā heluʻelua aʻo ka kiʻekiʻe o kāu helu'ai'ē,ʻo ka maikaʻi o kāuʻike. Loaʻa nā helu likeʻole like a me kēlā me kēia o lākou i kā lākou iho.
ʻO ka FICO Wahi Kuleana
Loaʻa ka hapanui o nā poʻe i kaʻike FICO o ka helu'ai'ē. Loaʻa nāʻike ma ka pāʻani FICO mai 300 a 850. E like me FICO, loaʻa iā ia nā helu FICOʻoihanaʻoihana a me ka range mai 250 a 900.
Hiki iāʻoe ke kūʻai i kāu helu FICO ma o ka heleʻana i myFICO.com. Aia kekahi mau mea hoʻopuka kalaʻi kāleka - Discover, Barclaycards, a me ka'Okeo'Oleka mua o'Omaha - e komo pū kekahi kope o kāuʻike FICO me kāuʻike pilina.
ʻO ka VantageScore Range
ʻO ka VantageScore uku uku'ai'ē he hopena hōʻailona kūpono loa i hoʻolālāʻia e nāʻekolu bureaus credit - Equifax, Experian, a me TransUnion. ʻO VantageScore 3.0 kahi hoʻohana i 300 a 850 mau like e like me nā hiʻohiʻona hoʻoili waiwai'ē aʻe. ʻO nā puka mua o ka VantageScores mai ka 501 ā 990 a hāʻawi i kahi leka kau AF.
Hiki iāʻoe ke nānā i kāu VantageScore no ke kaʻawale ma o Credit.com, CreditKarma.com, LendingTree.com, a me Quizzle.com. ʻAʻohe o kēia mau lawelawe e koi i kahi kāleka kāleka a iʻole inoa inoa.
Inā makemakeʻoe, hiki iāʻoe ke kūʻai i kāu VantageScore mai Experian a iʻole TransUnion.
Nāʻike'ai'ē'ē aʻe
ʻO ka hapa nui o nā helu'ai'ē, nā helu FAKO , ke kaʻawale mai 300 a 850. Hiki i nā Waiʻanae ke loaʻa i kā lākou mau haʻawina pono'ī me nā papa iʻike waleʻia.
Ponoʻoe eʻike i ke kikowaena no ka helu'ai'ē āu e kauoha nei e hāʻawi iāʻoe i kaʻike i ka hopena o kāu helu'ai'ē.
ʻO ka hapanui o nāʻoihana uku'ai'ē e hāʻawi iāʻoe i nā kiko'ī e pili ana i kāu kūlana paʻa i ka wā e hoʻonoho aiʻoe i kāu heluʻaiʻaiʻana no ka laweʻana i ka guesswork mai loko mai o ka hopena o kāu helu'ai'ē.