He aha kāuʻike'ikepilihelu Mean Mean?
ʻO kāu heluʻai'ai'ē kekahi o nā helu nui loa o kou ola. He mea nui e like me kāu helu kelepona, kāu kaulike kāleka, aiʻole kāu helu mālama ola. E nānā nā mea hōʻai'ē a me nā hāʻawi kālā i kāu heluʻai'ai'ē e hoʻoholo ai inā e'āpono i kāu noi. Ponoʻoe e nānā i kāu helu'ai'ē, pēlā, noʻonoʻoʻoe i nā mea eʻike ai kāu mea'ai'ē a me ka mea loina i ka wā e huki ai lākou i kāu heluʻai uku.
Kahi e loaʻa ai kāuʻikeʻike?
Hiki iāʻoe ke kauoha aku i kāu'ai'ē'ai'ē -ʻo ia ka mea i hoʻokumuʻia ma kāu hōʻike hōʻike kālā - mai nā kumu likeʻole. ʻO ka mea mua, hiki iāʻoe ke nānā i kāu heluʻai uku no ka loaʻaʻole ma o kekahi o kēia mau lawelawe: CreditKarma.com, CreditSesame.com, Quizzle.com, WalletHub.com, a me LendingTree.com. ʻO kekahi poʻe hoʻopuka kāleka hōʻai'ē e hoʻokomo i kāu helu'ai'ē ma kāu'ōlelo pākaʻina aiʻole ma ka pūnaewele ma ka pūnaewele. I ka hopena, hiki iāʻoe ke kūʻai aku i kāu helu'ai'ē mai kekahi o nā bureaus nui credit - Equifax, Experian, a me TransUnion - a ma o kaʻuFICO.com.
Ke kauohaʻoe i kāu heluʻai'ai'ē,ʻo kāu mea i mua i kou helu he helu. Ināʻaʻoleʻoe i kauoha i kāu heluʻai'ai'ē ma mua, aiʻole inā paha i kahi manawa mai ka manawa hope loa i kāpaeʻia ai kāu helu'ai'ē, hikiʻole iāʻoe ke maopopo i kāu mea e nānā nei. Ponoʻoe eʻike pehea e heluhelu ai i kāu helu'ai'ē no ka hoʻomaopopoʻana i keʻano o kāu helu helu'ai'ē. Nui nā poʻe kūʻai i kāu heluʻai'ai'ē e komo pū kekahi me ka kōkua iāʻoe e heluhelu i kāu helu'ai'ē.
E kōkua ana kēlāʻano iāʻoe e noʻonoʻo ai ināʻoe he kālā maikaʻi a maikaʻiʻole paha a me nā hopena e hoʻoikaika i kāu heluʻai.
He aha kāu manaʻoʻikeʻike?
ʻO nā helu heluʻai he heluʻekolu, pinepine mai 300 a hiki i 850, me 300 ka heluʻai palena haʻahaʻa loa e hiki iāʻoe ke loaʻa a 850 i ke kaʻinaʻoi loa.
ʻO ke kiʻekiʻe o kāu helu'ai'ē ma ka pālākiō,ʻo kaʻoi aku ka maikaʻi o kāu hōʻai'ē. Hiki i kekahi mau hōʻailona hōʻailona ke hoʻohana i kahiʻano'ē aʻe, akā,ʻoi aku ka maikaʻi o nā helu kiʻekiʻe ma mua o nā mea haʻahaʻa. Ma keʻano laulā, e hāʻule nā helu hōʻai'ē ma kaʻaoʻao penei:
- Ma luna o 750: maikaʻi maikaʻi
- 700-750: maikaʻi loa
- 650-700: maikaʻi maikaʻi
- 600-650: hewa
- I lalo 600: hewa loa
ʻO ke kiʻekiʻe o nā haʻawina hoʻolālā he kūponoʻoe i ka hana maikaʻi i ka mālamaʻana i kāu hōʻai'ē ma mua. Ua mālama ponoʻoe i kāu pūnaeke hōʻai'ē, mālama i kāu kaulike ma kahi papahana kūpono, ua hanaʻoe i kāu uku i ka manawa, a ua hōʻaloʻoe i nā pane kālā nui . Me ka hōʻai'ē kiʻekiʻe nui, hiki iāʻoe ke loaʻa kāu palapala kāleka kāleka a me kāu noi noi i'āponoʻia a no nā'ōlelo kūpono.
Ma kekahiʻaoʻao, hōʻike nā haʻahaʻa haʻahaʻa haʻahaʻa i kou pilikia i ke kākoʻoʻana i nā hōʻai'ē ma mua. Hiki paha iāʻoe ke hōʻeha i nā kaulike kāleka kāleka kiʻekiʻe, ua hāʻawi kālāʻia ma mua o ka hiki iāʻoe ke uku, ua nui ka ukuʻana, a iʻole paha i loaʻa i ka hōʻai'ēʻana. ʻO ka hōʻai'ē haʻawina haʻahaʻa eʻoi aʻe ka paʻakikī e hōʻoiaʻia no nā kāleka kāleka a me nā loans. Inā'āponoʻiaʻoe, hiki iāʻoe ke piʻi aku ka nui o ka uku.