He aha kahi hōʻailona kālā?
ʻO kāu heluʻai'ai'ē he helu ia e kau ana i kāu kūpaʻa. Aia ia ma luna o kaʻike e pili ana i kāu hōʻike kālā kālā, kahi pūnaewele o kāu moʻomeheu kāleka a me kāu moʻolālā.
ʻO ka hōʻai'ē uku kiʻekiʻe e hiki iāʻoe ke hoʻokumuʻia ma muli o keʻano o ka hoʻoili waiwai hoʻoili i hoʻohanaʻia.
ʻO nā Maximum Maximum Score
Hoʻokahi ka helu'ai'ē ka hopena FICO . ʻO ka heluʻoi FICO 850 (ʻoi loa 300). Loaʻa nā helu'ai'ē'ē aʻe, mai kaʻaha kālā a me nā mea'ē aʻe. Inā kūʻaiʻoe i kekahi o kēia mau helu, loaʻa iāʻoe ka paona no kēlā helu. (ʻO kēia mau helu ke hoʻohālikelike pinepine ia i ka helu FICO, me ka maximum 850)
Loaʻa loa ka loaʻaʻana o ka heluʻai keu. Wahi a FICO,'Ōkahi wale nō 25% o nā kānaka i loaʻa i ka heluʻaiʻai he FICOʻoi aʻe ma mua o 785, a he hapa iki loa o ka poʻe i loaʻa ka pehi kiʻekiʻe FICO.
ʻO ka nui o ke koʻikoʻi he hōʻailonaʻike kiʻekiʻe
ʻO ka pōmaikaʻi o ka loaʻaʻana o ka hōʻai'ē maikaʻi nui ,ʻo ia ka loaʻaʻana o nā uku liʻiliʻi liʻiliʻi ma nā kāleka kāleka a me nā lawaiʻa a i mea e maʻalahi ai i ka hōʻoiaʻana o kāu mau noi. Hiki iāʻoe ke hana i kēia me ka loaʻaʻole o ka helu kau palena kiʻekiʻe.
E ho'āʻo i kahi o ka FICO iʻoi aʻe ma luna aʻe o 720. E nānāʻia nāʻoihanaʻoi aʻe ma luna o 720 me ka maikaʻi loa aʻaneʻane e hāʻawi pinepine iāʻoe eʻohi i nā pono o ka helu kiʻekiʻe.
Eia hoʻi, e hoʻomanaʻo i nā mea'ai'ē a me nā mea hāʻawi kālā eʻike nui aʻe ma mua o kāu heluʻai kālā inā lākou e loiloi ana i kāu mau noi. E nānā pū lākou i ka nui o kāu'ai'ē a me kāu kālā.
Hiki ke hōʻoleʻiaʻoe no kekahi mau hōkeo kālā, me ka loaʻaʻana o ka hōʻai'ē nui, inā he nui ka'ai'ē aʻaʻoleʻoe e lawa i ke kālā no ke koina hōʻai'ē a iʻole ka hōʻai'ē kālā āu e noi nei.
Inā hiki iāʻoe ke loaʻa ka heluʻaiʻoiʻoi loa i kahi helu i ka manawa,ʻaʻole ia he manaʻo e loaʻa mau iāʻoe kekahi heluʻai uku maikaʻi. ʻO kāu heluʻaiʻai he nui ke loli i ka hoʻololiʻana o kaʻikepili i kāu hōʻike kālā hoʻoili. He mea maʻamau no ka loaʻaʻana o nā hōʻai'ē no ka loaʻa a liloʻole nā mea mai kekahi lā ai kekahi. Hoʻololi i kāu kaulike, palena palena kālā, moʻolelo hīnaʻi kālā, a me nā kālā,ʻoiai nā hoʻololiʻana i ka helu'ai'ē algorithm hiki ke hoʻoikaika i kāu helu'ai'ē.
He aha ka mea e kiʻi ai i kaʻike palena kiʻekiʻe
Aia kekahi mau mea hiki iāʻoe ke hana no ka loaʻaʻana o ka hōʻaika maikaʻi maikaʻi. E uku i kāu mau pili i ka manawa ma kēlā me kēia mahina,ʻo nā mea hoʻi i heluʻoleʻia ma kāu hōʻike kālā. E hōʻole i ka nui o ka aie a me ka nui o nā pūʻulu wehe. E mālama i kāu noi kālā i ka liʻiliʻi, ma lalo o 7% o ka palena palena.
I ka hoʻokuʻuʻana i kaʻOkakopa 2012, hāʻawiʻo FICO i nā kiko'ī e pili ana i kekahi mauʻano o nā mea kiʻekiʻe loa - nā mea kūʻai me nā helu FICO ma luna o 785. Aia kēia poʻe:
- ʻO ka awelika o nā heluʻehiku, wehe a pani
- Ka awelika oʻehā waihona me nā kaulike
- Loaʻa ka hapa nui i nā palekana ma lalo o $ 8,500 ma nā hōʻike me ka ukuʻole
- ʻAʻole 95% i ukuʻia i ko lākou hōʻai'ē kālā. Ma lalo o 1% he helu i hala
- 1 i 100 i loaʻa kahi hōʻiliʻili ma kā lākou moʻokāki, a he 1 ma 9,000 he banekorupa a he'elikeʻauhau paha
- ʻO ka makahiki o ke kuhi makahiki he 11 makahiki. Ua weheʻia ka pūʻali mua loa he 25 makahiki i hala.
Loaʻa ka nui o ka heluʻai nui loa i ka makemake, akā maikaʻi ke "hoʻolālā" no ka helu kiʻekiʻe kiʻekiʻe. Inā pono ka loaʻaʻana o kāu hōʻai'ē'ai'ē, e hoʻolālā i kekahi manawa e nānā i kāu hōʻike kālā a hoʻohui pū i kahi hoʻolālā no ka hoʻomaikaʻiʻana i kāu helu'ai'ē .