Pehea e hoʻoulu ai i nā kālepa e pili ana i nā helu hōʻai'ē
ʻAʻole hiki ke hōʻike kokeʻia kahi helu hōʻailona ma kāu mau hōʻike kālā hōʻai'ē, aʻaʻole loa e piʻi aʻe. ʻO nā mea nui o nā loiloi hōʻoia (Experian, TransUnion, a me Equifax) e pili pū me nāʻike e pili ana i nā loina - nāu āu i noi mai, inā ua ukuʻoe i ka wā hope, a inā he mau moʻolelo no ka lehulehu e pili ana i kāu mōʻaukala noi.
ʻAʻole hōʻike kāu bank i kēlā me kēia siaki i kēlā mau bureaus hōʻai'ē.
Ināʻoe e hōʻai'ē i kahi kope, e uku i ka mea āu e uku koke ai a waiho ma hope ou. I kou wā e hoʻopilikia ai i ka pilikia i loko o 30 mau lā - a hōʻole i ka hanaʻana i kahi noho ma waho -ʻaʻole pono eʻeha kāu FICO hoʻokele .
ʻO kēlā'ōlelo, he hōʻino maikaʻi (aiʻole kekahi mau hōʻailonaʻino) hiki ke hopena i ka pilikia ma nāʻano he nui:
- Hiki ke hāʻawi iāʻoe i nā haʻawina haʻahaʻa i "nā koho"
- ʻO nā loiloiʻole i ukuʻia e hoʻopauʻia i nā hōʻiliʻili e hōʻeha i kāu mau hōʻailona moʻomeheu
- E hōʻeha i kāu hōʻai'ē ma hope o 30 mau lā
- Hiki paha iāʻoe ke hoʻopau i nā kumuʻikepili'ē aʻe
Nā meaʻokoʻa'ē aʻe
ʻO ka FICO uku'ai'ē ka heluʻoihana kaulana loa, aʻo ia ka mea i hoʻohanaʻia no nā loans nui loa e like me nā kūʻai kaʻa a me ka home. Eia naʻe,ʻoi aku ke mahalo nuiʻia nā heluʻokoʻa - akā, no nā kānaka i loaʻaʻole ka manawa e kūkulu ai i ka hoʻokele a me nā kānaka e kūkulu hou ana ma hope o nā pilikia o ke kālā.
Ke nānā hou aku nei nā helu'ai'ē'ē aʻe ma mua o kou kākalakalaʻana i ka moʻolelo. ʻO nā uku pili pono a me nā uku hoʻolimalima e hiki ke hōʻike i kāu hilinaʻi -ʻoiai ināʻaʻoleʻoe i noi ma mua. Akā, inā uku kāu uku hoʻolimalima a me nā uku panee,ʻaʻoleʻoe e nānā i ka maikaʻi ma kēlā mau hiʻohiʻona hōʻike.
Nā Hōʻiliʻili
I ka hopena, hiki ke hōʻikeʻia kahi hōʻailona maikaʻi ma kāu hōʻike loiloi maʻamau i nā kumukūʻai uku nuiʻekolu.
Ināʻaʻole i ukuʻia ka bila, hiki i kāu palapala ke hoʻounaʻia i nā hōʻiliʻili (ʻo ia keʻano o ka'ai'ē'ai'ē i kahi hui pūnaewele - a kūʻai paha i kāu'ai'ē iā lākou -ʻo ia ka ho'āʻo e hōʻiliʻili i kāu mea e uku ai).
E hōʻike ana nā keʻena i ka hōʻai'ē i kāu'ai'ē i nā bureaus hōʻai'ē a e hōʻeha kāu mau manaʻo i kāu hōʻai'ē. Hiki nō paha i ka 'oihana hoʻolālā ke lawe pū i ke kānāwai kū'ē iāʻoe, aʻo ka hoʻokolokoloʻana iāʻoe kekahi mea e hōʻinoʻia.
ʻEhia ka lōʻihi o kāu?
Inā hōʻaloʻoe i kahi kope, e hoʻopili koke i ka payee a uku i kāu mea aie - mai kaliʻoe e kāhea iāʻoe. No ka mea e uku anaʻoe i kahi hōʻai'ē (e like me kāu loiloi home a iʻole kāleka kāleka), he mea nui e hoʻoponopono i nā mea i loko o 30 mau lā.
Late mau uku ma nā hōʻai'ē e hōʻike mai ana ma kāu hōʻike hōʻai'ē a hoʻoiho i kāu mau helu hōʻai'ē. Eia naʻe, he 30 mau lā ma hope o ka lā i kauʻia ai kāu uku a mālama i kāu loiloi. E uku mau anaʻoe i nā uku hōʻai'ē a me nā uku hōʻai'ē hope, akā, hiki iāʻoe ke hōʻole i kāu hōʻai'ē ma ka hana wikiwikiʻana.
Nā HōʻikeʻIke'ē aʻe
ʻO nā pūnaewele hōʻike hoʻokipa kaulana loa, i hoʻohana pinepineʻia no ka hōʻai'ē a me nā noihana hana,ʻaʻole e hahai i kāu hana hoʻolālā. Eia naʻe, aia kekahi mau "pūʻulu hoʻolaha kālā" e ho'ākoakoa a kūʻai i kaʻike e pili ana iāʻoe.
ʻO kekahi o ia mau meaʻo ChexSystems , ka mea i hoʻokahe i nā kālā a me nā kālā kūponoʻole .
'Aʻole like me nā pūʻulu hōʻike hōʻai'ē nui, he meaʻino inā loaʻa iāʻoe kahi hōʻike ChexSystems -ʻo nā kānaka wale nō i loaʻa nā pilikia me kā lākou kāleka hōʻike i loko o kēlā pūnaewele. Ma muli o kaʻike e pili ana i kou wā i hala, hiki i nā kāpena ke hōʻole e wehe i kahi'auke hōʻailona noʻoe, a hiki paha iā lākou ke pani i kahi pūʻulu kū.
Hiki i nā meaʻikepili'ē aʻe ke hana maʻalahi iāʻoe e hoʻohana i kāu mau makaikai. Eia kekahi laʻana, hiki iāʻoe ke paʻakikī e kākau i kahi helu ma ka hale kūʻai inā hoʻohana ka mea kālepa i ka hōʻoia hōʻoia hōʻoia no ka nānāʻana i nā meaʻino.
E hōʻole i ka hōʻailonaʻai
Nui nā kumu e pale ai i ka hanaʻana i nā mākaʻikaʻi. Ma waho aʻe o ka hopena o ka hōʻai'ē i kāu hōʻai'ē, ponoʻoe e uku i nā uku hou, a hiki paha iāʻoe ke hoʻopili pū me nā pilikia pili kānāwai . E mālama i ka nui o kāu kālā e loaʻa ai, ae mālamaʻoeʻaʻoleʻoe e hele ma lalo o ka pale i kāu mo'kekeki.
ʻO ka hoʻokomoʻana i ka nānā manawa manawa paha he hōʻailona paha e pāʻani ana pahaʻoe. Akā inā he hana mau ia, he hōʻailona ia e pono aiʻoe e hoʻololi a hoʻi hou ma luna o ka lepo paʻa.
Loaʻa i ka palekana: no kaʻikeʻana i ka palekana o kāu moʻokāki, e aʻo pehea e kaulike ai i kāu checkbook - hiki iāʻoe keʻike (ma mua o kāu kāleka) i kahi e hele ai kāu kālā.
Loaʻa i nā leka uila: e kākau inoa no nā leka a me nā leka uila iʻikeʻoe i ka nui o kāu i loko o kāu moʻokāki, a ke loaʻa ke kālā i ka pūʻali. Hiki iāʻoe ke hana i mua o ka uluʻana o nā pilikia.
E mālama i ka pale: ināʻoe e hoʻomoe mau ana i nā loiloi, e nānā i ka palekana ma luna o kāu kāleka a iʻole ka laikini. Hiki ke ukuʻia ka panakū i ka wā e emi iho aiʻoe i ke kālā, a ukuʻoe i kāu mea aie ma ka'ake kāleka ma mua o ka hoʻokūʻana i kahi leka. Ke uku nei kēia kālā i ke kālā, no laila e loaʻa ai nā pili a me nā pilikia ma mua o kou kākau inoaʻana.