No nā makahiki,ʻaʻoheʻike liʻiliʻi o ka poʻe kūʻai e pili ana i ka hopenaʻana o kēia mau waiwai a me nā hewaʻole i kā lākou heluʻai.
Mahalo iā FICOʻo ka Hōʻike Kū'ē Kū'ē Loaʻa,ʻike mākou i kahi mau mea'ē aʻe e pili ana i ka nui o nā mea e nalowale ana mai kekahi o nā mea hewaʻole.
ʻElua Fenikō FICO
No ka hōʻoiaʻana i nā mea nalowale, hāʻawi maiʻo FICO iā mākou iʻelua mau manaʻo kuhihewa pili, kahi o kekahi e loaʻa ana he 680 FICO aʻo kekahi o kekahi me kahi 780 FICO.
ʻO ka mea me ka helu 680:
- ʻEono mau loiloi kālā hōʻai'ē,ʻo ia hoʻi nā kāleka hōʻai'ēʻekolu, kahi loiloi kālā, a moraki, a me kahi haʻawina haumāna
- ʻEwalu makahiki o ka mōʻaukala hoʻokele
- He 40% a 50% hoʻohana kālā
- ʻElua mau uku hope: he 90 lā o ka uku kāleka hōʻai'ē hōʻai'ē mai nā makahikiʻelua aku nei a me kahi lā he 30 lā i uku hopeʻia ma ka loan i hoʻokahi makahiki i hala iho nei
- ʻAʻohe'ōlelo i hoʻounaʻia i nā hōʻiliʻili aʻaʻohe moʻolelo hoʻopaʻa moʻolelo (banekorupa, hana kuʻuna, a pēlā aku)
ʻO ka mea me ka helu 780 FICO:
- Heʻumi mau kālā hōʻai'ē hana, a me nā kāleka'elekaʻehiku, he loiloi kālā, he moraki, a me kahi hōʻai'ē haumāna
- Heʻumikumamālima makahiki o ka mōʻaukala hoʻokele
- 15% a 25% hoʻohana kālā
- ʻAʻohe uku i hala
- ʻAʻoheʻohi a me nā moʻolelo aupuni'ē aʻe
Pehea kaʻokoʻa o nā FICO manaʻo e pane aku ai i nāʻano hewaʻole
No laila, haʻi maiʻo FICO iā mākou i ka nui o ka FICO e pau i kēlā me kēia kanaka ke lilo inā ua hana lākou i 5 mau manaʻo'ai'ē.
- ʻO Maxing i waho o kahi kāleka kāleka ,ʻo ka mea me 680 ka uku'ai'ē e lilo i waena o 10 a 30 mau helu,ʻoiai ka mea me 780 ka heluʻaiʻai e lilo i waena o 25 a 45 mau helu.
- Ke emi nei ka uku kālā kāleka (30-lā hope),ʻo ka mea me 680 ka hopena'ai'ē e lilo i waena o 60 a 80 mau helu, aʻo ka mea me ka helu 780'ai'ē e lilo i waena o 90 a me 110 mau helu.
- Ma ka hōʻai'ē hoʻolimalima ,ʻo ka mea me 680 ka hopena'ai'ē e lilo i waena o 45 a 65 mau helu aʻo ka mea e loaʻa ana i ka helu 780 e lilo i waena o 140 a 160 mau helu.
- Ke kuhi nei , e hala ka mea me 680 ka hopena'ai'ē ma waena o 85 a 105 mau helu,ʻoiai ka mea me 780 ka helu'ai'ē e lilo i waena o 140 a 160 mau helu.
- ʻO ka mea e loaʻa ana he 680 heluʻai i pau i waena o 130 a me 150 mau helu, aʻo ka mea e loaʻa ana i 780 ka helu'ai'ē e lilo i waena o 220 a me 240 mau helu.
Nā Kauoha Nui FICO
ʻOiaiʻo kēia mau hiʻohiʻona poho he mau'ōlelo noʻonoʻo, ke hāʻawi mai nei lākou i kekahi mauʻike kūpono no ka FICO paʻakikī paʻakikī:
- ʻO ke kiʻekiʻe o kāu hōʻai'ē hōʻailona i nā mea nui e hiki ke hāʻule. E lilo anaʻoe i nā meaʻoi aʻe ma mua o ka mea i loaʻa ka heluʻai haʻahaʻa no nā hana like.
- Ma waena o nā mea hewaʻelima i heluʻia ma luna nei,ʻoi aku ka hopena o kāu kāleka kāleka i kāu helu'ai'ē. ʻAʻoleʻo ia keʻano,ʻo ia ka mea kūponoʻole o nā mea a pau.
- Makemake ka Bankruptcy i kāu helu'ai'ē ma muli o ka hopenaʻana i nāʻike kālā he nui a hōʻike i ka maikaʻiʻole i kāu moʻolelo kuhi kālā,ʻo 35% ia o kāu helu FICO.
Hiki i kāu FICOʻike ke pane pololei
E lawe i kēiaʻike me kahi mea paʻakai. Loaʻa ka maʻalahi o ka helu heluʻai FICO no ka hāʻawiʻana i kahi waiwai pohō (maʻole ka waiwai) i nā hōʻailona hoʻokele. ʻO ka nui o nā helu āu e lilo ai no kahi kuhi hewa'ai'ē e hilinaʻiʻia ana ma kāu hōʻike i ka loiloi pono'ī a e hoʻohālikelike i kēia mau poho helu wale nō ināʻo kāu loea hōʻaiho like me nā mea i hōʻikeʻia ma luna nei. ʻOiai inā loaʻa iāʻoe ka helu FICO hoʻokahi loa e like me kekahi o kēia mau hiʻohiʻonaʻaʻole i manaʻo ia kāu pane FICO e pane like i nā kuhi hewa. ʻO ia no ka hopena o kāu hāʻina FICO i kaʻike ma kāu hōʻike kālā.
Inā makemakeʻoe eʻike i keʻano o ka hanaʻana o kekahi mau hana i kāu helu FICO, hiki iāʻoe ke hoʻohana i ka simulator FICO mai myFICO.com ke kūʻaiʻoe i kāuʻike FICO.