ʻO kahiʻikepili o kāu hōʻike hōʻike hōʻike a me kāu helu
Ua noʻonoʻo pahaʻoe i kaʻike nuiʻana o nā mea kālā e pili ana i kāu mōʻaukala hoʻokele? A pehea e hoʻoholo ai nā hoʻopuka kāleka kāleka e'āpono i kāu noi ma kahi o nā kekona wale nō? Ma muli o kāu hōʻike kālā hōʻoia a me kāu heluʻai uku -ʻelua mau mea a nā mea aie a me nā mea hāʻawi kālā e hoʻohana ai e hoʻoholo e pili ana iāʻoe.
He aha ka hōʻike hōʻai'ē?
ʻO kāu loiloi hōʻailonaʻo ia ka moʻolelo o kāu mau'ai'ē'ai'ē a me kouʻano maikaʻi iāʻoe e mālama iā lākou, a me nā mea āu i uku ai i ka manawa āpau.
ʻO nā hōʻike kālā e pili ana i nā kāleka kāleka, nā lawaiʻa, kekahi mau kīnā lapaʻauʻole, nā hōʻiliʻili hōʻai'ē, a me nā palapala hoʻopuka ākea e like me ka hōʻai'ē a me ka paʻaʻana.
Ma waho aʻe o kāuʻikeʻike kālā, loaʻa i kāu loiloi kālā kaʻike pilikino, kou mau helu kūikawā a me nā helu mua, a me kāu mea hana iʻikeʻia aʻike paha iʻikeʻia. ʻO kaʻike pilikino e pili ana i kou inoa a me nā'ōlelo kiko'ī o kou inoa a me kou lā hānau. Hiki i nāʻike ke hoʻohana i kēiaʻikepili e hōʻoiaʻiʻo i kouʻike akāʻaʻole lākou e hoʻoholo i nā noi e pili ana i kāu noi wale nō ma kēiaʻike.
ʻO ka hapa nui o kāu hōʻike kālā kālā heʻike kūpono e pili ana i kāu mau kāleka kāleka a me nā loans. No nā kāleka kāleka, kāu palekana, palena palena kālā,ʻano pilikino, kahi pilikino, a me ka moʻolelo kuhiʻana i loko o kāu hōʻike hōʻike kālā. 'Elepa kālā hōʻai'ē, ka hōʻai'ē kālā mua, aʻikeʻia ka moʻolelo hoʻokele i kāu hōʻike kālā.
Loaʻa nā hōʻike kālā i kahi papa inoa o nāʻoihana i hoʻokaʻina hou nei i kāu mōʻaukala hoʻokele. Uaʻikeʻia kēia mau hōʻai'ē kālā e like me nā nīnau .
ʻO kāu hōʻike o kāu hōʻike hoʻoili kālā e hōʻike ana i nā nīnau mai nā mea a pau i huki i kāu hōʻike kālā i nā makahikiʻelua i hala, me nāʻoihana e nānā i kāu hōʻike no nā hana hoʻolaha. ʻO ka hōʻailona o kāu mea hōʻai'ē hōʻike wale nō i nā nīnau i hanaʻia inā hoʻokomoʻoe i kekahiʻano o ka noi.
Pehea e hoʻolālāʻia ai nā hōʻike kālā?
Hoʻopumuʻia a mālamaʻia nāʻike pilikino e nā hui iʻikeʻia he mau pūʻulu hōʻike hōʻai'ē a iʻole nā bureaus . MaʻAmelika Hui Pūʻia,ʻekolu mau poʻomanaʻo koʻikoʻi nui: Equifax, Experian, a me TransUnion. I ka wā eʻike ai ka poʻe'ai'ē a me nā loina i kāu loiloi kālā, e lawe pinepine lākou i kāu hōʻike kālā mai kekahi aʻekolu paha o nā bureaus hōʻai'ē.
Hoʻolālāʻia nā bureaus e nā kālā i nā kālepa a me nāʻoihana'ē aʻe no ka loaʻaʻana o kāuʻikeʻike kālā. I kēlā me kēia manawa, nā kamaliʻi kāu e hana nei me ka hoʻouna a hōʻoho paha i kāuʻike pilikino i nā bureaus credit. Loaʻa kēia i kāu poʻe hoʻopuka kāleka hōʻai'ē a me nā hāʻawi kālā a me nā pūnaewele hōʻuluʻulu'ē aʻe i hoʻolimalimaʻia e hōʻiliʻili i nā aie no nāʻoihana'ē aʻe. Hoʻopuka pū nā bureaus i nāʻike mai ka moku'āina, ka moku'āina, a me nāʻaha Pekelala e hoʻokomo i loko o ka māhele o ka moʻolelo o kāu hōʻike kālā.
Loaʻa nāʻoihana i loaʻa iāʻoe nā kālā me ka hōʻikeʻole i nā bureaus nama no ka mea,ʻaʻohe kālā kālā i loaʻa iāʻoe. Eia kekahi laʻana,ʻo nā hui e hoʻolako i kāu melaila, kelepona, kelepona, a me ka lawelawe pūnaewele,ʻaʻole lākou e hōʻike pinepine i kāu moʻokāki a i kāu uku i nā bureaus nama. Kāleka mua i kākoʻoʻia, nā kāleka kūʻai, a me ka nānāʻana i nāʻike pilikinoʻaʻole i hōʻikeʻia i nā bureaus credit and not included in your credit report.
ʻOiai kekahi mauʻoihana e hōʻoiaʻole i kāu hōʻike hoʻoili kālā me kāu uku mahina, e hoʻomaopopo lākou i nā hana hoʻokele kālā inā liloʻoe i mea kolohe loa i kāu uku.
ʻO wai eʻike i kāu hōʻike hōʻikeʻike?
Mahalo,ʻaʻole wale i hiki i kekahi ke komo i kāu hōʻike hoʻoili. Ua'ōlelo ke kānāwai Pekelala e pono i kekahiʻoihana a iʻole kanaka paha ka "hana iʻaeʻia" e nānā i kāu hōʻike kālā. ʻO keʻano,ʻo ia keʻano o kaʻoihana eʻike i kāu hōʻike kālā kālā e'āpono i kahi noi āu i hana ai, e hōʻiliʻili ma kahi hōʻai'ē, no kekahi mau hana hana, e mālama i ka papa hoʻokolokolo, aiʻole e hoʻopaʻa i ka inikua. ʻO ka Paukū 604 o ka Fair Report Reporting Act e whakarārangi ana i nā kānāwai a pau iʻaeʻia no ka nānāʻana i kāu hōʻike kālā.
Loaʻa iāʻoe ke kuleana eʻike i kāu hōʻike pono'ī. ʻO ka meaʻoiaʻiʻo, hiki i kēlā me kēia mea kūʻai ke loaʻa i kēlā me kēia makahiki i kēlā me kēia makahiki i kēlā me kēia'oleka hōʻike hōʻike kālā. Hiki iāʻoe ke kauoha i kāu kope kope o kāu hua'ōlelo Equifax, Experian, a TransUnion e hele i ka AnnualCreditReport.com.
Hiki iāʻoe ke loaʻa iāʻoe kekahi hōʻike kālā piliʻole mai nā bureaus credit inā i hōʻoleʻiaʻoe no ka hōʻai'ēʻana i nā lā he 60 i hala aku nei (no kaʻike i loko o kāu hōʻike pili kālā), neleʻoe i ka hana a me ka hoʻolālā e nānā ai i kahiʻoihana i ka lā aʻe 60 mau lā, ke kōkua neiʻoe i ke aupuni, ua'āhewaʻoe i kaʻaihueʻana, aiʻole iʻole kaʻike pololei i kāu hōʻike pili kālā.
Pehea e hana ai no nā hōʻike hewa hōʻike
ʻAʻole kūpono pono nā burea pule. ʻAʻole nāʻoihana e haʻi aku iā lākou. He mea maʻamau no nā pūnaewele hōʻai'ē e loaʻa nā hewa aʻo kekahi o nā kumu maikaʻi loa no ka nānāʻana i kāu hōʻike kālā kālāʻo ia eʻike pono he pololei.
Loaʻa iāʻoe ke kuleana e hōʻike pololei i ka hōʻike hōʻike. No laila, ināʻikeʻoe i kahi kuhi ma kāu hōʻike hōʻike kālā , hiki iāʻoe ke hoʻopaʻapaʻa pololei me kaʻaha kālā. Hiki iāʻoe ke paio i ka hewa ma kelepona, ma ke kelepona, aiʻole ma o ka leka uila I ka manawa e loaʻa ai i kāu keʻena ke hoʻopiʻi iā lākou, e noiʻi lākou me kaʻike hoʻolaha i ka hōʻike hoʻolaha (kaʻoihana i hōʻike i ka hemahema) a hoʻoponopono i kāu hōʻike kālā e pili ana i nā hualoaʻa.
He aha e pili ana i nā uku i halaʻole aiʻole iʻole kaʻike'ē aʻe?
ʻO nāʻike kūponoʻole , e like me nā ukuʻauhau a me nā pūʻulu hōʻiliʻili, hiki ke heluʻia ma kāu hōʻike hōʻike kālā e like me ka mea pololei. Mahalo,ʻo ka hapa nui o nāʻikeʻino e hāʻule ma kāu hōʻike kālā ma hope o kekahi manawa.
ʻO ka hapa nui o nāʻikeʻikeʻole e hiki ke noho no nā makahikiʻehiku, akā hiki ke noho lōʻihi kekahi mauʻike.
Hiki ke hoʻokomoʻia ka Bankruptcy ma kāu hōʻike kālā no nā makahiki he 10. Hoʻopiʻiʻia nā luina kālāʻauhauʻole i ka manawa pauʻole. Hiki ke hōʻikeʻia nā kānāwai ma o ka palena kānāwai o kou moku, ināʻo ia manawaʻoi aku iʻoi aku ma mua oʻehiku mau makahiki.
Kaʻikepiliʻikeʻike
Nohea kahi i kau ai kāu heluʻai uku i kēia mau mea a pau?
Hiki paha ke paʻakikī,ʻaʻole e hoʻopau i ka hoʻolālāʻana, no ka hanaʻana i kahiʻoihana e heluhelu ai i kāu hōʻike pili kālā no ka hoʻoholoʻana iāʻoe. No laila, hoʻohana lākou i kāu heluʻai uku,ʻekolu hōʻuluʻulu helu hōʻano hou e like me keʻano o nā "mākau" i kāuʻike pilikino hōʻike. ʻO kāu heluʻai'ai'ē he hōʻailona wikiwiki ia o ka paʻakikī āu e uku ai i kahi hōʻai'ē hōʻai'ē a hōʻai'ē paha.
ʻO ka mea i loaʻa i nā helu kiʻekiʻe he nui nā mea'ai'ē hikiʻole ke kūʻaiʻia ma mua o ka poʻe i loaʻa nā haʻawina haʻahaʻa haʻahaʻa. Nā haʻawina hōʻai'ē kiʻekiʻe e hāʻawi iāʻoe e loaʻa nā uku pānaʻi liʻiliʻi ma nā kāleka kāleka a me nā loina, e hoʻokuʻu i ka uku no ka loaʻaʻana o ka hōʻai'ē. ʻO ka mea loaʻa i nā haʻawina haʻawina haʻahaʻa he nui ka uku ukupanei a hiki ke hōʻoleʻia no nā kāleka kāleka, nā lawaiʻa, a me nā lawelawe hana'ē aʻe.
Pehea e hoʻoliloʻia ai nā kumukūʻai i hoʻokaʻawaleʻia?
Loaʻa nā helu heluʻikepili algorithms e lawe i nāʻike a pau i loko o kāu hōʻike kālā kālā, e hoʻomalu iā ia, a laila e puka mai me kahi helu e hōʻike ana i ka maikaʻi o kāu mālamaʻana i kāu pūnaeke kālā. ʻAʻole mākou iʻike i keʻano o nā hua'ōlelo hōʻai'ē hōʻailona - a aia kahi manawa e hikiʻole ai iā mākou ke hoʻomaopopo ia mea inā paha mākou iʻike i keʻano. Akā,ʻike mākou i nā mea e hele i loko o ka heluʻaiʻai a me ka nui o nā helu.
ʻO ka'ōnaehana FICO kekahi o nā helu loea i kaulana a hoʻohana nuiʻia. ʻO ka hōʻailona kūʻai o ka FICO ka heluʻana mai 300 a 850 a ua heluʻia ka heluʻana ma luna o nā kumu nuiʻelima. Ma muli o kekahi hapa o kāu mōʻaukala putela nuiʻoi aku ka nui ma mua o nā mea'ē aʻe, ua hāʻawiʻia nāʻano likeʻole o ka moʻolelo o kāu moʻomeheu i ka heluʻana i kāu helu'ai'ē. ʻOiaiʻo ka hoʻohālike kiko'ī no ka piʻiʻana me kāu heluʻai'ai'ē heʻike kūpono ia na FICO,ʻike mākou i kaʻike e hoʻohanaʻia e helu ai i kāu helu.
Eia nā heluʻelima, i uhakiʻia e ka kaumaha i hāʻawiʻia i kēlā me kēia kumu:
He 35 pakeneka ka uku o ka hōʻai'ē : ʻO ka poʻe hoʻolaha e pili nui ana i ka hāʻawi aʻaʻole pahaʻoe i kāu mau pili i ka manawa. ʻO ka hōʻailona maikaʻi loa o kēiaʻano peheaʻoe i uku ai i kāu mau pili i ka wā ma mua.
Late nā uku, nā hōʻiliʻili, a me nā banekorupa nā mea a pau e pili ana i ka moʻolelo hoʻokele o kāu heluʻai uku. Ua hōʻeha nā hopena i loaʻa i kēia mau makahiki ma mua o nā mea i hala.
ʻO ka uku haʻawina he 30 pakeneka: ʻO ka nui o kāu hōʻai'ē e pili ana i kāu mau palena kālepa, uaʻikeʻia he hoʻohana kālā. ʻO ke kiʻekiʻe o kāu hoʻohana liloʻana -ʻo ka pili loa akuʻoe i kāu mau palena -ʻo ka emiʻana o kāu helu'ai'ē. E mālama i kāu kaulike kāleka hōʻai'ē ma kahi o 30 pakeneka o kāu palena palena a iʻole liʻiliʻi.
Length of credit history 15 pakeneka: Loaʻa ka lōʻihi o ka moʻaukala pilina no ka mea hāʻawi i kaʻike hou aku e pili ana i kāu mauʻoihana lilo. He mea maikaʻi e haʻalele i nā moʻolelo āu i lōʻihi ai.
Nā nīnau he 10 pakeneka:ʻO kēlā me kēia manawa kāu noi noi no ka hōʻai'ē, ua hoʻokomoʻia kahi noiʻi i kāu hōʻike kālā. Nui nā noi no ka hōʻai'ē hiki keʻano i ka nui o ka aie a iʻoleʻoe i kekahiʻano pilikia kālā. ʻOiaiʻo ka huliʻana e hiki iāʻoe ke hoʻomau ma kāu hōʻike hōʻike kālā no nā makahikiʻelua,ʻo kāu helu helu heluʻai wale nō e nānā i nā mea i hanaʻia i loko o hoʻokahi makahiki.
ʻO ka hoʻonui i ka loiloi he 10 pakeneka:ʻO ka loaʻaʻana o nāʻano pilikino likeʻole he mea maikaʻi no ka mea e hōʻike ana iāʻoe keʻike i ka hoʻolālāʻana o ka hōʻai'ē. ʻAʻole kēia he mea koʻikoʻi i kāu heluʻai'ai'ē keʻoleʻoe i loaʻaʻole nāʻike'ē aʻe e kau ai i kāu helu. E wehe i nā moʻokāki hou e like me kou makemake,ʻaʻole wale i ka loaʻaʻana o ka mea iʻikeʻia e like me ka maikaʻi o ka hui.
ʻO kekahi V scoreScore kekahi kī nui i hoʻohanaʻia . Ua hoʻokumuʻia kēia hōʻai'ē'ai'ē e nā mea nui uku uku uku. ʻO kaʻaoʻao hou loa o ka VantageScore he 300 a 850, e like me FICO, akā, heʻano likeʻole nāʻano VantageScore. Ma mua o ka hāʻawiʻana iā mākou i nā kumumalima helu, hōʻikeʻo VantageScore i keʻano o ka hoʻoikaikaʻana i kēlā me kēia helu.
- Ka uku hoʻokele: He koʻikoʻi nui loa
- ʻO ka makahiki a me keʻano o ka hōʻai'ē: Nui koʻikoʻi
- Ka nui o ka palena hoʻoili i hoʻohanaʻia: Nui koʻikoʻi
- Ka nui o nā palekana / hōʻai'ē: Pono kūpono
- Nā hana loiloi hou: Moʻi iki
- Loaʻa loaʻa: He mea nuiʻole
Ma hea e hiki iāʻoe ke kiʻi i kāuʻikeʻike?
ʻOiaiʻoe e kuleana i kahi hōʻike kālā hōʻemiʻole, akāʻaʻohe kānāwai e koi ana i nāʻoihana hōʻai'ē hōʻoki e hāʻawi iāʻoe i ke ala kūpono i kāu helu'ai'ē. Akā, ua maʻalahi ka loaʻaʻana o kāu helu'ai'ē no ka noaʻana a iʻole ma ke kūʻaiʻana.
MyFico.com:ʻO kahi wale nō kahi e hiki ai iāʻoe ke kūʻai i kāu kī FICO. Hiki iāʻoe ke kauoha i kāuʻike FICO e pili ana i kāu hōʻike hoʻoili kālā ma Equifax, Experian, a me TransUnion.
ʻO kekahi o nā bureaus hōʻai'ē: E hiki iāʻoe ke kūʻai aku i kāu helu a me kāu mau helu kālā uku-3-a me ka helu mai kēlā me kēia bureaus. Ua loaʻa i kēlā me kēia waihona kālā kālepa hōʻailona hoʻolālā pono'ī a he nui paha nāʻano likeʻole ma kāu moʻolelo moʻolālā, no laila, e like paha kāu helu'ai'ē ma mua o kekahi me kekahi a he mea'ē aʻe paha kāu i kaʻike FICO.
Loaʻa ka ukuʻai uku ma nā pūnaewele: Nā pūnaeweleʻekolu e hāʻawi nei i nā helu hoʻoili nele loa, no nā inoa inoaʻole. ʻO CreditKarma.com lākou, CreditSesame.com, LendingTree.com a me Quizzle.com. E nānā i nā kānana uku kuhiʻole e noi iāʻoe e komo i kahi helu kāleka kāleka. Ke kākau inoa neiʻoe i loko o kahi palapala hoʻokolokolo i kahi lawelawe mālama leka. Ināʻaʻoleʻoe e hoʻoholo ma mua o ka pauʻana o ka hoʻokolokolo, e hoʻomaka ana ka hui e hoʻopiʻi i kāu kāleka kāleka no ka lawelawe.
Kāu'ōlelo kāleka kāleka: Ke komo nei kekahi mea hoʻolale kāleka hōʻailona i kahi lawelawe FICO hou e hiki ai i nā mea kelepona keʻike i kā lākou mau helu FICO no ka mea. ʻO Discover, Barclaycard, a me ka'O'ī'Oleka Mua mua, he mau kimeke kālā kālepa i komo. Ponoʻoe e nānā i kāuʻike o ka mahina eʻike i kāu hōʻailona FICO hou nei.
E hōʻoleʻia no ka hōʻai'ē a iʻole i'āponoʻia no nā hua liʻiliʻi liʻiliʻi: ʻAʻohe'ōlelo maʻalahi kēiaʻano (a maikaʻi paha), akā eia keʻano e hana ai. Pono nā mea hoʻopuka kālā a me nā hoʻopuka kāleka e hoʻouna i kope kope o ka hōʻai'ē kālā i hoʻohanaʻia i loko o ka hoʻoholoʻana e hōʻole i ke noi no ka hōʻai'ē a iʻole e'āpono i ka noi, akā no ka liʻiliʻi kūpono ma mua o ka mea i noiʻia. ʻAʻoleʻoe e hana i kekahi mea e loaʻa ai kēia heluʻai uku akā hoʻokomo i ka noi. Inā hiki iāʻoe, hiki iāʻoe ke loaʻa i ka hōʻai'ēʻoiaʻiʻo.
He aha ka hopena'aikala maikaʻi?
ʻO ka nānāʻana i kāu'ai'ē'ai'ē he mea kānalua paha. ʻO kekahi o nā kikowaena hōʻai'ē e hāʻawi iāʻoe i ka ho'ākākaʻana no kāu heluʻai'ai'ē, e wehewehe ana inā he maikaʻi kāu'ai'ē maikaʻi, a e uhaʻi i nā kumuhana e kākoʻo i kāu heluʻai uku. I kekahi manawaʻo nā mea a pau āu e loaʻa ai he helu a loaʻa iāʻoe eʻike inā he helu maikaʻi kāu helu a he hōʻai'ē maikaʻi paha.
Ma ka hoʻomanaʻoʻana, loaʻa ke helu heluʻai he 300 a hiki i 850, eia ka haʻihaʻi o nā helu likeʻole i loko o kēlāʻano āpau:
- 800+: Kūlana. ʻAʻole pahaʻoe e lilo i mea maʻalahi i nā kuleana hou a me nā hōʻai'ē. Loaʻa paha iāʻoe ka manawa maʻalahi e hōʻoiaʻia no ka hōʻai'ē a loaʻa iāʻoe ka haʻawina haʻahaʻa haʻahaʻa.
- 799 a 700: Pai loa.
- 670 a 739: maikaʻi. Aia kahiʻoi aʻe o ka pilikia o ka paʻakikī. Me ka hōʻai'ē'ai'ē ma kēia āpau, pono iāʻoe ke loaʻa i kahi manawa maʻalahi ke'āponoʻia no ka hōʻai'ē.
- 580 a 669: Fair. ʻO ka loaʻaʻana o kēia mau helu hōʻai'ē heʻoi aʻe ka nui o ka paʻakikī, he nui ka poʻe i hōʻole no nā kāleka kāleka a me nā lawaiʻa, aiʻole inā i'āponoʻia, eʻoi aʻe ka nui o ka uku.
- 579 a ma lalo: Poor. Ke hōʻike nei kēia mau'ai'ē hōʻai'ē i kahi nui loa o ka pilikino. Loaʻa iāʻoe ka manawaʻoi aku ka lōʻihi e'āponoʻia no nā hōʻai'ē hōʻai'ē hou me ka heluʻaiʻai ma kēiaʻano.
Ināʻaʻoleʻoe he heluʻai uku maikaʻi, hiki iāʻoe ke hana iā ia. Hoʻonui i kāu helu'ai'ē ma ka hoʻomaopopoʻana i ka hapa o kāu loiloi kālāʻole, hopu i nā uku i hala, e uku ana i kāu uku mahina i ka manawa, hoʻoemi i kāu kaulike kāleka kāleka, a me ka palenaʻana i kāu mau noi hou no ka hōʻai'ē.