Ke hahai neiʻoe i nā'ōlelo aʻo naʻauao ma ka nānāʻana i kāu hōʻai'ē eʻike pono i kahi e kū nei. ʻO ka mea pōʻino, ināʻaʻoleʻoe iʻike nui me ka hōʻai'ē, hikiʻole iāʻoe ke heluʻai. Mao hopohopo. ʻAʻoleʻoe i hana i kekahi mea hewa aʻaʻoleʻoe hoʻokahi wale nō. Ma mua o 50 miliona mau mākua i loaʻaʻole ka'ōkelina FICO, e like me kahi hōʻike FICO i 2015. ʻO kēia ka hopena i nā kānaka i hoʻokumuʻole i nā moʻolelo hoʻomanaʻo, akā, i nā'ōpio.
Hiki iā ia ke hana inā ua loaʻa iāʻoe ka hōʻai'ē ma mua, akā, e waiho mau ana kāu mau aie kālā no nā mahina he nui.
ʻElua kumu iʻoleʻoe e loaʻa kahi hōʻai'ē kālā
Ma ka hoʻomaopopoʻana i ka heluʻana o nā helu hōʻai'ē hiki ke kōkua iāʻoe e hoʻomaopopo maikaʻi i ke kumu no ka loaʻaʻole o kāu helu. ʻO ka helu heluʻai he helu hōʻuluʻulu o kaʻike ma kāu hōʻike kālā. Hoʻohanaʻia nā helu no ka hoʻomaopopoʻana i kou hilinaʻi a me ka wānana i ka hikiʻana iāʻoe ke uku i kāu mau aie i ka manawa. Hōʻike ka helu hōʻai'ē kiʻekiʻe e hiki iāʻoe ke uku i nā kuleana i kāohiʻia ma ka hopena o kāu lawelaweʻana i ka hōʻai'ē ma mua.
ʻO nā heluʻike kālā e pili ana i nāʻike i loko o kāu hōʻike kālā kālā,ʻo ia ka hōʻuluʻuluʻana o kāu mau hōkei kālā e like me nā kāleka kāleka, nā loina, a me nā moʻolelo kūikawā likeʻole hōʻiliʻili kālā a me nā'ōlelo hoʻokolokolo. Ināʻaʻoleʻoe i loaʻa i kekahi o kēia mauʻano pilikino, e wehewehe i ke kumu i loaʻaʻole ai kāu heluʻai'ai'ē -ʻaʻoleʻoe e loaʻa i ka helu pilikino i ka helu.
E haʻiʻoe i kēia manawa ua weheʻoe i kāu kāleka kāleka mua, akā he mau malama wale nō koe. ʻAʻole hiki iāʻoe ke loaʻa ka heluʻaiʻaiʻelua. Pono ka mākelina FICO iāʻoe e loaʻa iāʻoe ma kahi liʻiliʻi hoʻokahi pūnaewele e hana nei i loko o nā mahinaʻeono i hala iho nei. Ke loaʻa ka nui o ka moʻolelo i kāu moʻokāki, hiki iāʻoe ke loaʻa i ka heluʻai uku.
Hiki iāʻoe ke loaʻa i kekahi mau helu āu i hoʻohanaʻole i loko o nā mahina he nui, makahiki. Ma kēlā hihia,ʻaʻoleʻoe e loaʻa i nā helu'ai'ē, me ka loaʻaʻana o ka moʻolelo moʻomanaʻo, no ka mea,ʻaʻole i lōʻihi nā hōʻike o kāu mau moʻokāki no ka lōʻihi. Ponoʻoe e hoʻomaka i ka hoʻohanaʻana i kāu mauʻikepili -ʻoiaiʻaʻole lākou i paniʻia - e hiki iāʻoe ke loaʻa ka heluʻai.
Pehea e nānā i kāu mōʻaukala
Hiki iāʻoe ke nānā i kahi kope o kāu hōʻike pilikino i kēia manawa no kaʻike i kāu loiloi kālā. Ināʻaʻoleʻoe i loaʻa i kahi mo'ke kālā kālā, hikiʻole iāʻoe ke komo pū i kāu loiloi kālā. Ma hope o nā mea a pau, hikiʻole ke loaʻa kahi hōʻike hōʻai'ē me kaʻole o kekahiʻano moʻomeheu.
Loaʻa iāʻoe nā haʻawina hōʻai'ē ma luna o kēlā me kēia o kāu hōʻike kālā kālā mai nā uku bureaus nuiʻekolu: Equifax, Experian, a me TransUnion. Hiki ke loaʻa ka heluʻai'ai'ē me kahi papahana aʻaʻoleʻo nā mea'ē aʻe ināʻo kāu mau mea i wehe aiʻaʻole hōʻike i kāu moʻolelo i nā kumukūʻai ukuʻekolu.
Pehea e hoʻokumu ai i kāuʻikeʻike
No ka hōʻoiaʻana no ka hapanui o nā kāleka kāleka a me nā loina, ponoʻoe e loaʻa ka heluʻai. Hoʻolilo nā mea hōʻai'ē a me nā hāʻawi kālā i kāu helu'ai'ē e'āpono i kāu noi. Loaʻa ka paʻakikī i ka pepa kāleka mua, akā, he mau koho no kāu loaʻaʻana i kahi kāleka kāleka i ka wā e hoʻomaka wale neiʻoe me ka hōʻai'ē :
- E noi i kāu kāleka'āina a iʻole kaʻahahui laulā,ʻoiai, ināʻoe i loaʻa kahi pūkewele a me kahi helu mālama kālā ma laila
- Nā kāleka kāleka haumāna, ināʻoe he haumāna
- Nā kāleka kāleka kūʻai kūʻai
- ʻO kahi kāleka kākika i hōʻoia , e koi ana i kahi waihona no ka hoʻopaʻaʻana i kāu palena palena
- E kiʻi i kahi kāleka kāleka pili me kahi hoaaloha a pili paha
- E lilo i mea hoʻohana i nā kāleka kāleka e pili ana i ka pilina a iʻole ka pilina
Ma hope o kou weheʻana i kahi pūlākiō kālā (e hōʻike ana i nā mea nui o kekahi o nā bureaus nui uku) a ua hoʻohanaʻoe ia mea noʻeono mau mahina, pono iāʻoe ke kauoha i kāu helu'ai'ē. Ponoʻoe e mālama i kāu loea no ka hanaʻana i ka heluʻai maikaʻi maikaʻi.