Inā ua kūʻaiʻoe i kahi heluʻai ukuʻekolu a iʻole i laweʻia i kāu heluʻikeʻole mai nā wahi nui i ka lā hoʻokahi, uaʻike pahaʻoe heʻokoʻa kāu helu'ai'ē i waena oʻekolu mauʻoihana hoʻokele . No ka meaʻaʻole i maʻalahi kaʻikeʻana i ka hōʻai'ē'ai'ē , akā, uaʻoi aʻe ka paʻakikī o ka heluʻana i nā helu hōʻai'ē . Mao hopohopo. Loaʻa ka loaʻaʻana o nā helu hōʻailona likeʻole; Eia ke kumu o ka hana.
Hoʻolālā nā bureaus i nāʻano hōʻailona hōʻailona
Loaʻa nā hanana helu likeʻole a hiki i kēlā me kēia o lākou ke hāʻawi iāʻoe i ka heluʻai'ē aʻe. Eia kekahi laʻana, hoʻohana kēlā me kēia o nā kumukūʻai hoʻolālāʻekolu i kā lākou pono pono'ī no ka heluʻana i kāu heluʻai'ai'ē a me ka hanaʻana o nā bureaus e hoʻolālā i ka VantageScore . ʻO FICO, kekahi o nāʻoihana hōʻai'ē hoʻonuiʻana iʻike nuiʻia, aia i kā lākou hōʻailona hoʻolālā pono'ī. Hiki i nā 'aha kūleʻa a me nā lawelaweʻokoʻa ke hāʻawi i nā'ōleʻa hōʻailona likeʻole.
Hāʻawi pinepine nā bureaus a me ka FICO i nāʻano hou o ko lākou hōʻailona hōʻailona hōʻailona. Hiki ke lohi ka uku no nā hōʻailona hou, no laila nui ka poʻe kālā e hoʻomau ana i nāʻano kahiko.
Aia nā bureausʻike kālā i nāʻike pilikino likeʻole
Hiki i nā burea ke hōʻiliʻili i nā kiko'ī ma muli o kekahi - aʻaʻole lākou e puʻunaue. ʻAʻoleʻo ia wale nō, hiki i kāu poʻe hōʻai'ē a me nā hāʻawi kālā ke hōʻike i nāʻike wale nō i hoʻokahi aʻelua paha o nā bureaus credit.
No laila, keʻano likeʻole ka nānāʻana o kāu hōʻike Equifax, Experian, a me TransUnion i nā hōʻike likeʻole i kaʻike i loko o kēlā me kēia hōʻike kālā.
Ke helu nei kēlā me kēia luna kālā i kāu heluʻai'ai'ē me nāʻikepili i loko o kāna faile'ai'ē. Eia kekahi laʻana,ʻikeʻo Experian i kāu helu'ai'ē me nāʻikepili i loko o kāu hōʻikeʻike kālā Experian.
No laila, inā loaʻa iāʻoe kahi pūʻulu hōʻuluʻulu i hōʻikeʻia ma kāu Transunion credit report, akā,ʻaʻole ma kāu hōʻike pili kālā Experian, a laila e emi mai ana kāu Transunion i ka heluʻai keu.
ʻO wai ka helu'ai'ē kāu mea hāʻawi aku me ka hoʻohana?
Ua hoʻokumu mau ka poʻe hana i nā pilina me hoʻokahi aʻoi aku paha o nā burea. Hiki iāʻoe ke noi i kāu mea nāna e hāʻawi iā ia mai kahi'ake kālāʻaihue e kūʻai ana i nā helu hōʻai'ē (hiki paha iā lākou aʻaʻole paha e haʻi iāʻoe), akā,ʻoleʻoe e noi aku i kāu mea hoʻohana e hoʻohana i kekahi kelepona kālā e lawe i kāu helu.
ʻO ka hapa nui o nā poʻe loina e hoʻohana i kaʻike FICO i hoʻolālāʻia e FICO, ka hui iʻike muaʻiaʻo Fair Isaac. Hiki iāʻoe ke kūʻai aku i kāuʻike FICO e pili ana ma nā pūnaewele hōʻailonaʻo Equifax, Experian, a me TransUnion mai myFICO.com. (No kekahi mau makahiki,ʻaʻole i loaʻa nā helu FICO kumu kumu no Experian i kūʻaiʻia no ke kūʻaiʻana o nā mea kūʻai, akā naʻe,ʻaʻole i loaʻa hou iā lākou.)
Loaʻa nā helu āu iʻikeʻole
Ma waho aʻe o nā helu hōʻai'ē hiki iāʻoe ke kūʻai, aia kekahi mauʻoihana hōʻai'ē kūʻokoʻaʻoihana'ē aʻe i loaʻa i nāʻoihana i kēlā meaʻaʻole hiki iāʻoe ke kūʻai pololei. Eia kekahi laʻana, loaʻa kahi heluʻai pūʻokoʻa auto, ka māmala'ōlelo wanana banekorupa, a me ka helu'ai'ē moraki. ʻAʻole e like kēia helu i nā mea a pau āu e kūʻai ai ma ka pūnaewele no ka mea ua loli lākou no kēlāʻoihana.
ʻO nā helu waiwai nui āu e loaʻa nei ma ka pūnaewele no kaʻikeʻike wale nō.
E pono ana ka heluʻana i kāu helu'ai'ē?
ʻOiaiʻo ka helu'ai'ē āu e nānā nei,ʻaʻole paha e like me ka hopena i loaʻa i kāu mea uku, he mea nui ka nānā i kāu helu'ai'ē. Ma kāu helu e hāʻawi iāʻoe kahi manaʻo nui o kahi e kū ai kāu hōʻai'ē,ʻo ia hoʻi, inā he maikaʻi kāu'ai'ēʻaiʻoleʻaiʻoleʻaiʻole. Loaʻa iāʻoe kahi hōʻailona maikaʻi e pono aiʻoe e hoʻomaikaʻi i kou hōʻai'ē aiʻole inā inā makemakeʻoe e hōʻoia i kāu hōʻai'ē no ka hōʻai'ē hōʻai'ē a iʻole kālā. Inā hiki, e noʻonoʻoʻoe i hoʻokahi helu'ai'ē no kēlā me kēia o kāu mau hōʻike pilikinoʻekolu i loaʻa iāʻoe ka manaʻo o kāu kiʻi kuhi piha.