Eʻike i keʻano o ia mea a me keʻano o ia mea
Mōʻaukala
Ua hoʻokumuʻiaʻo FICO i ka makahiki 1956 e ka mea loea Bill Fair a me ka Earp Isaac Earl Isaac aʻo ka mea i kapaʻiaʻo Fair, Isaac, a me Kamupene.
ʻO ka pahuhopu mua, e like me kona pūnaewele,ʻo ia ka hoʻonui i nā hoʻoholoʻoihana ma o ka hoʻohanaʻana i kaʻikeʻikeʻike. Ua hoʻomaka lākou i kā lākou pūnaewele hōʻailona kālā i ka makahiki 1958. I ka makahiki 1991, ua loaʻa nā helu FICO ma nā keʻena hōʻike hōʻailona nuiʻekolu, a ma ka makahiki 1995, mahaloʻo Fannie Mae lāuaʻo Freddie Mac i ka hoʻohanaʻana i nā helu FICO no ka hāʻawi kālā. I ka makahiki 2009, ua hoʻololi ka hui i kona inoa inoa a me ka hōʻailona waiwai i ka FICO.
FICO 9
Me ka 2018,ʻo ka puka hou loa o ka FICO mākau, FICO 9, hoʻomaʻemaʻe i ka hopena o ka hōʻai'ē kālā i nā heluʻai hōʻai'ē kanaka. ʻAʻole nā mea hāʻawi kālā a pau e lawe i nā helu FICO hou loa i ka wā hoʻokahi, no laila hiki i kekahi ke hoʻohana i nā helu iʻoi aku ka hewaʻole i ka hōʻai'ē.
ʻO nā kumukūʻai nuiʻekolu -Equifax, Experian, a me TransUnion-helu kēlā me kēia helu i nā helu FICO e pili ana i kaʻike ma nā hōʻike kiko'ī e hoʻomau ana i kāu moʻolelo moʻomanaʻo. Heʻokoʻa ke kikowaena o 300-850, a iāʻoe kekahi i kēlā me kēia o nā kumukūʻai ukuʻekolu .
Ma nā'ōlelo maʻamau,ʻoi aku nā kiʻekiʻe iʻoi aku ka kiʻekiʻe ma mua o 700 he maikaʻi, akāʻo ka nui o nā kiʻekiʻena he 750. ʻO nā haʻahaʻa haʻahaʻa ma lalo o 650 ke nānāʻia heʻilihune, aʻo ka helu he emi ma lalo o 600 heʻino. He mea nui ia e hoʻomaopopo, akā, heʻano likeʻole nā mea kālā kālā'ē aʻe, a ke nānā nei lākou a pau i nā kiko'ī o kāu hōʻike kālā.
Eia kekahi laʻana, hiki ke loaʻa iāʻoe he helu o 675 i'āponoʻia no ka moraki, akā no ke kumu paha i hōʻoleʻia ai kāu noi no kekahiʻano kāleka kāleka.
Nā Mahele
Ke hoʻokumuʻia kāu score FICO ma luna o nāʻelima pane nui o kaʻike
- ʻO ka manawa kūpono o kāu uku pili kālā he 35 pakeneka o kāu helu. He nīnau maʻalahi kēia ināʻoe e uku paha i kāu mau pili i ka manawa. Inā ua lohi nā uku, he 30, 60, a iʻole 90 mau lā i hala? Ua hoʻounaʻia kekahi mau palapala i nā koina? Ua loaʻa iāʻoe kekahi mau banekorupa a iʻole nā wā e hoʻoneʻe ai? ʻO kaʻoi aku o nā maikaʻiʻole i loaʻa iāʻoe a me kaʻoi aku o kaʻinoʻoi aku,ʻo kaʻoi aku ka hopena o kāu helu.
- ʻO ka nui o ka aie āu e loaʻa ai i ka helu he 30 pakeneka o kāu helu. ʻO ka mea nui me kēia kumuhana kāu kaʻina hana hoʻohana kālā. Eia kekahi laʻana,ʻoi aku ka kiʻekiʻe o kāu heluʻai ināʻaʻoleʻoe e hoʻohana i kahiʻoi aʻe o ka 30 pakeneka o kāu hōʻai'ē e loaʻa nei. Eia kekahi laʻana, inā loaʻa iāʻoe nā kāleka kāleka me nā palena i hōʻuluʻuluʻia he $ 10,000, e piʻi aʻe kāu helu kiʻekiʻe inā mālamaʻoe i kāu kaulike kaulike i kaʻole aʻoi aku ma kahi o $ 3,000.
- ʻO nā makahiki o kāu hōʻai'ē kālā no ka 15 pakeneka o kāu helu. ʻO ke kumu, pehea ka lōʻihi o kāu mau kālā? Ināʻoe e hoʻohana nei i ka hōʻai'ē no nā makahiki he nui a me ka hanaʻana pēlā i ke kuleana, eʻoi aʻe kaʻoi aʻe o kāu iʻoi aku ma mua o kekahi mea me ka moʻolelo pilikino pōkole. ʻO kēia ke kumu maikaʻi o ka mālamaʻana i nāʻike kāleka hōʻai'ē ma kaʻole ināʻaʻoleʻoe e hoʻohana hou.
- ʻO ka helu o nā noi hoʻolimalima i hala koke nei , ua hāʻawiʻoe i nā pūlāwai he 10 pakeneka o kāu helu. Inā noiʻoe no ka loiloi pinepine, eʻikeʻiaʻoe he pilikia, a e loaʻaʻoe i ka heluʻai haʻahaʻa. ʻO ka manaʻo ma hope nei, inā eʻimi ana nā kānaka i ka nui o ka hōʻai'ē, hiki iā lākou ke loaʻa i nā pilikia pili kālā, e lilo ana i mea pōʻino.
- ʻO nāʻano pilikino i loaʻa iāʻoe no ka 10 pakeneka o kāu helu. ʻO kaʻoi aku o ka hui pūʻana o kāu kālā,ʻo kaʻoi aku ka maikaʻi o kāu helu.
Ke ho'āʻo nei i kāu helu
Hiki iāʻoe ke nānā i kāu helu FICO mai nā kumukūʻai ukuʻekolu ma ka kipaʻana i kaʻuFICO.com. ʻO kekahi'oleka, hōʻai'ē kālā, a me nā hoʻopuka kāleka kāleka e hoʻokomo i ka helu FICO free me kāu hōʻike pilina.