He aha ka hopena'ai'ē maikaʻi?
Ināʻoe i loaʻa ka heluʻai maikaʻi maikaʻi ma luna o ka mea e nānā ana i kāu heluʻai'ai'ē a me nā ana hoʻohālikelike āu e ana iāʻoe. Ma keʻano laulā, loaʻa i kahi hōʻai'ē maikaʻi maikaʻi - ma ka laulā FICO -ʻoi aku ma luna o 720, akā, no kekahi mau mea'ai'ē a me nā mea hāʻawi i ka palena, emi iki paha iʻole e emi iki paha. Loaʻa iāʻoe ka hōʻai'ē maikaʻi i nā mea hoʻolale kālā e hiki iāʻoe ke uku i kāu mau pili i ka manawa e pili ana i kāu i uku ai i kāu mau pili i ka wā ma mua. Inā ua ukuʻoe i kāu mau pili i ka wā a ua mālama maikaʻiʻoe no nā makahiki i hala aku nei, e loaʻa paha iāʻoe ka heluʻai maikaʻi.
Loaʻa i ka'āponoʻia me kahi hōʻailona maikaʻi
Me ka uku maikaʻi maikaʻi, e loaʻa iāʻoe kāu mau noi i'āponoʻia a loaʻa i kahi kaʻina hoihoi maikaʻi. E hoʻomanaʻo i ka hōʻai'ē maikaʻi, kaʻae a me ka hōʻai'ē e hōʻoiaʻiʻoʻoleʻia no ka mea eʻike ana nā mea'ai'ē a me nā hāʻawi kālā i nā kumu'ē aʻe e pili ana i kāu helu'ai'ē . ʻO kāu kālā, hana, a me keʻano o ka hōʻai'ē kekahi mau mea a nā mea hōʻai'ē a me nā mea hāʻawi kālā e hoʻomaopopo aʻole nele i kekahi o kēia mau māhele, hiki iāʻoe ke hōʻole.
Hōʻike kēia iā mākouʻaʻole maikaʻi ka uku'ai'ē maikaʻiʻole i kāu hiki ke uku, akā, hiki nō iāʻoe ke uku.
Ināʻaʻoleʻoe he heluʻai maikaʻi maikaʻi,ʻaʻole ia e hōʻoleʻia kāu noi. Akā inā i'āponoʻiaʻoe, hiki i ka nui o ka uku waiwai. A inā paha e noi anaʻoe i nā pono hana a i nā lawelawe'ē aʻe o ka mahina, ponoʻoe e uku i kahi waihona mālama mālama e hoʻokumuʻia kāu mau lawelawe.
A iʻole, hiki i ka mea nāna i hōʻai'ē aiʻole ka mea lawelawe ke koi iāʻoe e loaʻa i ka mea maʻamau ma mua o kouʻaeʻana.
Loaʻa iāʻoe kahi hōʻailona maikaʻi maikaʻi?
Hiki iāʻoe ke nānā i kāu score FICO ,ʻo ka hōʻai'ē hōʻai'ē e hāʻawi nui i nā mea hāʻawi kālā ma ka kipa i kaʻuFICO.com. ʻO kāu pāʻani TransUnion a iʻole Equifax FICO e lilo i $ 15.95. Aia kekahi mau wahi'ē aʻe e kauoha ai i kāu heluʻai'ai'ē , e like me CreditKarma.com, i kekahi manawa no ka mea kūʻokoʻa , a pēlā nō e hoʻoholo i kāu helu FICO .
Loaʻa iāʻoe nā pūʻulu hōʻai'ē meʻekolu mau bureaus hōʻai'ē likeʻole aʻo kaʻike i loko o kēlā me kēia hōʻike kālā kālā e likeʻole. Ma muli o ka hoʻokumuʻana o kāu helu'ai'ē ma kāuʻike hōʻike hōʻike kālā, hiki ke hoʻololi ikiʻia kāu mau helu. Hiki ke loaʻa he heluʻaiʻai maikaʻi maikaʻi me hoʻokahi keʻena hanaʻaha a me nā hōʻai'ē maikaʻi maikaʻi me nāʻoihana'ē aʻe. Hiki kēia ke hana inā loaʻa kāu hōʻiliʻili kālā a iʻole kekahi mau hua'ōlelo maikaʻiʻole i hōʻikeʻia ma hoʻokahi hōʻike hoʻoili kālā akāʻaʻole naʻe ma luna o nā mea'ē aʻe.
I ka manawa e kauoha aiʻoe i kāu heluʻai uku, e hāʻawi aku ka mea nui o nā mea e hāʻawi iāʻoe i kahi hōʻuluʻulu o kāu helu, e haʻi iāʻoe inā maikaʻiʻole kāu koho, maikaʻi, maikaʻi, a maikaʻi. E aʻo pūʻoe i nā mea e hoʻokomo i kāu helu'ai'ē. Ināʻaʻoleʻoe he heluʻai maikaʻi maikaʻi, e nānā i kāu hōʻike kālā hoʻokele e aʻo hou e pili ana i nā moʻolelo e hōʻino ai i kāu hōʻai'ē.
Mai hopohopoʻoe, hiki iāʻoe ke hoʻonui i kāu heluʻai'ai'ē ma o ka hoʻohaʻahaʻaʻana i nā kaulike kiʻekiʻe, e uku ana i nā kālā i hala i hala, a kūkulu i kahi moʻolelo hoʻomanaʻo maikaʻi.
Inā hāʻawi ka hewa i kahi heluʻaiʻole, hiki iāʻoe ke hoʻopaʻapaʻa me kēia pūnaewele. ʻAʻole hiki ke hōʻailona maikaʻiʻoi aʻe i ka pō, akā me ka manawa a me nā hana kūpono , eʻikeʻoe i ka piʻiʻana o kāu heluʻai uku.