Ua hoʻokumuʻia ka FICO i ka makahiki o 1980 e ka hui i kapaʻiaʻo Fair Isaac (i kapaʻiaʻo FICO i kēia manawa). Ua manaʻoʻia ka FICO e kōkua i nā mea hoʻolale kālā i nā mea i loaʻaʻole i nā mea kālā.
Ma Malaki 2006, ua hoʻokuʻuʻia nā VhaeScore e nāʻekolu bureaus nui - Equifax, Experian, a me TransUnion. He uku'ai'ē hou kēia i hanaʻia e hāʻawi pono i nā helu'ai'ē i hāʻawiʻia e kekahi o nāʻoihana uku uku.
ʻOiai ua hoʻokumuʻia ka FICO a me ka VantageScore e kōkua i nā mea kālā e pale aku i nā mea piliʻole, a no laila ke kumu kūʻai, nā mea'ai'ē, aia kekahi mauʻokoʻa ma waena o nā hōʻailona hōʻailona hōʻailonaʻelua.
ʻO ke KeʻenaʻIkeʻIke
Ua pākuhi ka FICO i 300 a 850. Loaʻa ka VantageScore 3.0 i 300 a 850 mau pānaʻi, akā nā mana mua o ka VantageScore e hoʻohana i 501 ā 990 mau helu. ʻO nā helu heluʻaiʻelua e pili ana i nā mea lawe kālā me nā helu hōʻai'ē kiʻekiʻe he emiʻole ka hopena ma mua o nā mea'ai'ē me nā haʻawina haʻahaʻa haʻahaʻa.
ʻO ka VantageScore 2.0 a ma mua i hāʻawiʻia i kahi leka i ka heluʻai uku ma muli o kahi i hāʻule ai i loko o ke awā:
- 901 - 990 = A, Super Prime
- 801 - 900 = B, Mea Nui
- 701 - 800 = C, Kekahi
- 601 - 700 = D, Non-Prime
- 501 - 600 = F, Kūlana kiʻekiʻe
Ka hōʻailonaʻikeʻike
Hoʻokumu ka FICO i kona kumukānāwai hōʻailona ma nā papa heluʻelima ,ʻoiaiʻo VantageScore e hoʻohana ana iʻeono.
Kākoʻo FICO
- 35% ka moʻolelo hoʻokele
- 30% o ka hōʻai'ē
- 15% makahiki o ka mōʻaukala moʻomeheu
- ʻO 10% nāʻano hōʻai'ē
- 10% nā noi noiʻi
ʻO VantageScore 3.0
- Ka moʻolelo hoʻokele - 40%
- Makahiki a me keʻano o ka hōʻai'ē - 21%
- Ka hapalua o ka hōʻai'ē hoʻohana - 20%
- Ka nui o nā palekana / aie - 11%
- Nā hana loiloi hou a me nā noiʻi - 5%
- Loaʻa kālā loaʻa - 3%
ʻO VantageScore 2.0
- 32% hoʻololi moʻolelo
- 23% hoʻohana
- He 15% kaulike
- 13% hohonu o ka hōʻai'ē
- ʻO 10% hōʻai'ē hou
- 7% hoʻolālā e loaʻa ana
ʻO nā FICO a me VantageScore hōʻailona waiwai uku e hāʻawi e pili ana i ka nui o nā haʻawina no ka moʻolelo kuhi a me nā nīnau noiʻi hou. Akā, nui kaʻokoʻa i ka mālamaʻana i ka hoʻohanaʻana , ka makahiki o ka moʻomeheu hōkele, a me nāʻano o ka hōʻai'ē.
Hoʻohana ka FICO i 30% o kona helu'ai'ē,ʻoiai ka VantageScore wahi kaumaha 45% no ka nui o kāu kālā e hoʻohana nei.
Hāʻawiʻo FICO i ka 25% i ka makahiki o ka loiloi hōʻai'ē a me nāʻano o ka hōʻai'ē. Na ka VantageScore e hāʻawi i kēia mau meaʻelua 13%.
ʻO ka mea maikaʻi
Mai ke kūlana o ka mea kūʻai,ʻo ka hōʻai'ē maikaʻiʻoi aku ka mea a kāu mea e hāʻawi nei e hoʻohana nei e'āpono a hōʻole paha i kāu noi. Ma muli o ka hoʻohanaʻana o nā mea loiloi hou i ka mākelina FICO, hiki iāʻoe ke nānā aku i kēlā helu. Mai hōʻaleʻa wale i kēlā. E noi mau i kāu mea nāna i hāʻawi i ka heluʻai uku e nānā ana. Eʻikeʻoe i ka loaʻaʻole o ka uku'ai'ē āu e kūʻai ai mai ka pūnaewele i ka mea nāna e mālama i nā loiloi, akā hiki iā ia ke hāʻawi iāʻoe i kahi manaʻo o kahi e kū nei.
No nā kope kope o kāu VantageScore, nānā Credit.com, CreditKarma.com, LendingTree.com, a me Quizzle.com. ʻAʻohe o kēia mau lawelawe e koi aku i kahi kāleka kāleka no kāu mau helu hoʻoili haʻahaʻa.