Ke kamaʻilio neiʻoe no ka hōʻai'ē, a iʻole pahaʻo ka pae o nā mea hoʻolale kālā hilinaʻi e ukuʻoe i kāu kālā āu i noi ai, hiki iāʻoe ke hāʻule ma kahi o ka pālākiō mai ka hōʻai'ē maikaʻi loa,ʻaʻohe mea e hāʻawi iāʻoe i ke kālā, me ke kūleʻaleʻa maikaʻiʻole, kahi e noi mai nei nā kālepa a me nā poʻe'ai'ē i noi iāʻoe e noi. ʻO ka hapa nui o nā kānaka e hāʻule ma waena o kēia mau mea nui loa.
Pehea e wehewehe ai i ka "hewa" Credit
ʻO ke kuhi hewaʻole e ho'ākāka ana i kahi moʻolelo o nā hāʻule o nā manawa i hala aku nei no ka mālamaʻana i nā uku ma kāu mauʻaelike kālā, a hiki i ka hikiʻole ke'āponoʻia no ka hōʻai'ē hou.
ʻO keʻano,ʻaʻoleʻoe i uku i kou hōʻai'ē a me nā kuleana'ē aʻe i ka manawa, aʻaʻole paha i uku iā lākou. Ke mālama pū nei kāu hōʻike kālā i nā moʻolelo o ka lehulehu e like me nāʻauhauʻauhau aupuni a aupuni pekelala paha, nā banekorupa, aiʻole nā kānāwai kānāwai e kū'ē iāʻoe.
ʻO nā hui i kapaʻia nā bureaus (nā mea i kapaʻiaʻo nā pūʻulu hōʻike hōʻai'ē) e hōʻiliʻili i kāu moʻolelo moʻomanaʻo a hōʻuluʻulu i loko o ka hōʻike hoʻoili. Ke mālama mau nei kēlā me kēia hui i kāna hōʻike pono'ī, aʻo kāu loiloi hōʻeuʻeu a me nā helu he hiki ke loli ma waena o lākou, no ka hewa a iʻole kaʻikeʻole. ʻOiaiʻoe eʻike i nā moʻolelo a me ka moʻaukala no kāu mau moʻomeheu likeʻole i kāu hōʻike pili kālā,ʻaʻoleʻoe eʻike i ka helu'ai'ē no kāu hōʻike kālā.
ʻO FICO Scores
Ke helu nei kēlā me kēia luna kālā i kahi hōʻike FICO e pili ana i kāuʻike kālā. Ua hoʻokumu ka Fair Isaac Corporation (FICO) i nā polokalamu a me nā algorithms e helu i kēia helu; no laila, ka inoa.
ʻO nāʻoihana likeʻole e like me nā mea hoʻoili kālā, nā mea laikini a me nā hui kāleka kāleka e nānā i nā mea noi kālā e like me ko lākou mau pono, no laila e loaʻa ana nā hanana o nā FICO a me nā helu helu. Loaʻa nā helu heluʻikepili mai 300 a 850, me 650-670 i manaʻoʻia he hopena hopena o ka heluʻai "maikaʻi" a me nā helu haʻahaʻa e hōʻike ana i ka nui o ka hōʻai'ē maikaʻi.
Me ka nui o nā moʻolelo maikaʻiʻole, hiki i ka hoʻoholoʻana o ka hōʻai'ē a iʻole paha i ka laikini hōʻai'ē ma kāu hōʻike hōʻike kālā, hiki i ka hopena o ka loaʻaʻana o nā hōʻai'ē haʻahaʻa. Inā ua hoʻounaʻiaʻoe i nā leka i kahi hui pūnaewele , e like me nā pili kālā lapaʻauʻole, hiki i ka pūʻulu hoʻolālā ke hōʻike i kāu hanaʻole i nāʻoihana hoʻokele kālā ināʻaʻoleʻole ka hale hoʻomaha.
ʻO ka hopena maikaʻiʻole ka hopena i ka wā e hele ai nā kānaka ma kahi'āpana kālā, e hoʻomaka ana i nā hanana kūponoʻole i loko o kahi manawa pōkole e like me ka hoʻonuiʻana i nā pale kaulike ma hope koke iho nei i nā kāleka kāleka, hoʻokuʻuʻana i ka banekorupa a i loaʻa paha i kahi kaʻa. ʻO kekahi mau hanana maikaʻiʻole wale nō e hana hoʻokahi wale nō, e like me kahiʻaeʻaʻauhau a me ka hōʻai'ē waiwai, e hāʻawi i nā mea kālā e hōʻoleʻole e hana pū meʻoe.
ʻO ka Fallout mai Poor Credit
I ka wā i loaʻaʻole iāʻoe ka hōʻai'ē maikaʻi, hikiʻole i nā mea hāʻawi kālā ke hāʻawi iāʻoe no ka nui o ka hikiʻana ke hāʻule i hope ma kekahi kāleka hōʻai'ē hōʻai'ē a hōʻai'ē paha. Hiki iāʻoe ke loaʻa i kāu mau noi a pau no ka hōʻai'ē hōʻole, aiʻole inā'āponoʻiaʻoe, e loaʻa paha iāʻoe kaʻoi aku ka nui o ka ukuʻoi aku ma mua o nā mea noi i loaʻa i nā helu maikaʻi maikaʻi . ʻO ka nui o ka hoʻolimalima pane kahi alana a ka mea nāna e uku e uku iā lākou iho no ka pilikia o ka hōʻai'ē kālā iāʻoe.
ʻO ka hōʻai'ē maikaʻi eʻoi aʻe ma mua o kāu kāleka hōʻai'ē a me kāu hōʻai'ē a me ka uku hoʻolimalima .
E nānā kekahi mau 'inikua i kāu helu'ai'ē ma ka hoʻopukaʻana iāʻoe i ka palena o ka hōʻailona . Hoʻohui pinepine ka mea hoʻohana a me nā mea kelepona pūnaewele i kahi waihona mālama mālama no nā mea noi me ka hōʻai'ē maikaʻiʻole. Hiki i nā konohiki ke noi aku i kahi waihona palekana kiʻekiʻe inā loaʻa iāʻoe ka hōʻai'ē maikaʻi, aiʻole e hoʻohuli paha iāʻoe i lalo no ka hoʻolimalima hale hoʻolimalima a hoʻoili paha.
E hoʻopaʻa i kāu kūlana a me FICO Scores
Inā noho mauʻoe ma luna o kāu kālā, hiki iāʻoe ke noʻonoʻo pono kahi i kū ai kāu'ai'ē'ai'ē. Uaʻikeʻoe inā ua lōʻihiʻoe i kekahi manawa no ka uku kālā, a iʻole e loaʻa i nā kaulike kāleka nui eʻoi aku ma mua o 30 pakeneka o kāu hōʻai'ē e loaʻa nei. Inā ua loaʻa iāʻoe nā noi noi i hoʻololiʻia, ua hoʻonuiʻia ka pili o kāleka kāleka aiʻole i hoʻokaho ka mea hoʻopuka kāleka i kou palena palena kālā, e lawe i kēia mau mea i hōʻailona e hōʻailona ana kāu heluʻaiʻai i lalo.
Eʻike i kāuʻike FICO a loaʻa ke kope o kaʻike maoli i hōʻikeʻia ma kāu waihona moʻomeheu. Hiki iāʻoe keʻike i kekahi o nā bureaus hōʻai'ēʻaʻole i hoʻopaʻa i kahi helu i loaʻa ka moʻolelo pilina maikaʻi, a iʻole hiki iāʻoe keʻike i nā hewa i hoʻohaʻahaʻa i kāu score scorelessly. Hiki iāʻoe ke loaʻa i hoʻokahi kope kope o kāu hōʻike kālā i kēlā me kēia makahiki mai kēlā me kēia o nāʻoihana uku uku , TransUnion, Equifax, a Experian.
Ke nānā nei i kāu loiloi kālā e kōkua iāʻoe e noʻonoʻoi nā mea e hōʻeha ai i kāu helu'ai'ē. Ua hāʻawi ka Federal Trade Commission (FTC) i hoʻokahi walenae pūnaewele pūnaewele,ʻo AnnualCreditReport.com, e hoʻolako i kēia mau pūʻulu. Hiki iāʻoe ke loaʻa i nā manaʻo koho kuhihewa o kāuʻike FICO ma ke kākauʻana no kahi o nā pūnaewele hilinaʻi nui. He nui ka hapanui o lākou e hāʻawi nei i kahi helu moʻokāki me nā helu FICO mai hoʻokahi aʻelua paha o nā kumukūʻai ukuʻekolu no ka ukuʻole. ʻAʻole ponoʻoe e hoʻolilo i ke kālā eʻike ai i ka hopena o kāu hōʻai'ēʻino. Nui nā paehana pūnaewele i loaʻa i nā mea likeʻole, i hōʻike iāʻoe i ka nui o kāu helu'ai'ē e hiki ai i luna aiʻole i lalo ma ka ukuʻana i nāʻike kālā, e wehe ana i nā hōkeo hou a me nā loli'ē aʻe.
E hana i nā hana e hoʻoponopono ai i kāu kīnā hewa
ʻAʻole pono ka waiwai hōʻai'ē e mau loa. Hiki iāʻoe ke hana i nā kaʻina no ka hoʻonuiʻana i kāu helu'ai'ē ma kahi o ka manawa. ʻO ka mea mua, e nānā i ka laweʻana i nāʻike kūlohelohe mai kāu hōʻike kālā kālā ma o ka hoʻopiʻiʻana i kahi hoʻopiʻi hōʻai'ē hōʻoia a iʻole keʻano hana kūpono e ukuʻia ai . Eia kekahi,ʻo ka hopena o kekahi mau hōʻinoʻole i kāu hōʻike hōʻike kālā e ho'ēmi i ka manawa, no laila, i kekahi manawa e ponoʻoe e hana i kahi mea. Hoʻomaopopo i ka hoʻohuiʻana i nāʻike kūpono i kāu hōʻike hoʻoili kālā ma ka hoʻoukaʻana i nā hōʻai'ē hou a me ka uku mauʻana iā lākou ma ka manawa.