Pehea e hoʻohana ai i kahi manaʻo hoʻopuka FICO Free
Hāʻawi ke aupuni aupuni iā mākou i ka kuleana i kahi hōʻike kālā kīnāʻole i kēlā me kēia makahiki e hāʻawi iā mākou i ka manawa eʻike ai i ka pololei o kā mākou mau hōʻike kālā. Eia naʻe,ʻaʻohe kauoha a ke aupuni no nā helu FICO free makahiki -ʻo ka poʻe hāʻawi kālā hōʻai'ē i hoʻohana pinepineʻia e'āpono i nā noi kālā. Ke nānā hou nei i kāu hōʻai'ē'ai'ē me ka hōʻuluʻuluʻana i kāu hōʻike kālā e hāʻawi iāʻoe i kaʻike piha i kahi o kāu hōʻai'ē.
Hiki iāʻoe ke loaʻa i kahi mākau FICO free ma o ke kākauʻana no kahi lawelawe inoa'ē aʻe, akā,ʻaʻole kēlā he maikaʻi maikaʻi loa. Hiki iāʻoe ke loaʻa i kahi pūnaewele FICO free keʻoleʻoe e hōʻole i kahi huahana aiʻole lawelawe aiʻole inā loaʻaʻoe i nā hua liʻiliʻi ma muli o kāuʻike FICO. Akā, inā makemakeʻoe e noʻonoʻo i kahi e kū ai kāu hōʻai'ē, hiki iāʻoe ke hoʻohana i ka mea koho kuhi FICO.
Ke hoʻohana nei i kahi mea hoʻohana manaʻo FICO
Hiki iāʻoe ke nīnau iāʻoe i kekahi mau nīnau koho nui e pili ana i kāu moʻomanaʻo pilikino a hoʻohana i kēiaʻikepili e hāʻawi i kahi hiʻona e hāʻule ai kāu kī FICO. ʻO nā nīnau e pili ana i nāʻano o kaʻike i hoʻohanaʻia no ka heluʻana i kāu kī FICO - ka moʻolelo o ka uku, ke kiʻekiʻe o ka hōʻai'ē, ka makahiki o ka moʻomeheu hōʻai'ē, ka hui o ka hōʻai'ē, a me nā noi loiloi hou. Eia kekahi mau nīnau e like me:
- "ʻEhia mau kāleka kālepa āu?"
- "I ka manawa hea āu i hala hope ai i kahi hōʻai'ē a iʻole ka hōʻai'ē kāleka?"
- "ʻO ka huina o kāu mau palena kāleka hōʻai'ē piha e hōʻike ana i kāu kaulike kāleka hōʻailona?
Ma muli o kāu mau pane i nā nīnau, hiki ke nīnau i nā nīnau. Eia kekahi laʻana, inā e paneʻoe i ka mea i halaʻole i kāu ukuʻana, e pili ana ka meaʻike ma ka FICO me ka "He aha nā meaʻoi loa āu i hana ai ma kahi hōʻai'ē a iʻole kāleka kāleka?"
Ka mea e pono ana eʻike e hoʻoholo i kāuʻike FICO
Loaʻa kahiʻike maikaʻi o kāuʻike FICOʻo ia hoʻi kaʻike i kāu moʻomanaʻo kālā. Ponoʻoe eʻike i ka nui o nā kāleka hōʻai'ē i loaʻa iāʻoe, nā kaulike ma kēlā mau kāleka, ka nui o nā noi loiloi hou āu i hana ai, ka nui o kāu kaulike palekana, etc. Mai ka nui o nā poʻe i loaʻa ka moʻolelo loea nui e like me paʻakikī i ka hoʻomanaʻo, he mea maikaʻi ia e hoʻohana i kāu hōʻike hoʻoili kālā i ka wā e hele aiʻoe ma o ka mea koho kuhi FICO. Hiki iāʻoe ke hāʻawi i nā pane pololei loa i nā nīnau.
Ināʻaʻoleʻoe i nānā i kāu loiloi kālā i kēia manawa, hiki iāʻoe ke loaʻa i kahi kope kope o nā pūnaewele hōʻailonaʻekolu ma o ka AnnualCreditReport.com. Hiki iāʻoe keʻike i ka hōʻike loiloiʻole mai TransUnion a me Equifax ma CreditKarma.com a me kahi hōʻike manaʻo hōʻoia Experian no CreditSesame.com. E makaʻala i kahi pūnaewele e noi ana i kāu helu kāleka kāleka e nānā i kāu hōʻike loiloiʻole .
Ma ka hopena o ka nīnau noi, e hāʻawi ka FICO iāʻoe i kahi laulā kahi e hāʻule ai kāu kī FICO ma muli o kāu mau pane i nā nīnau. ʻOiaʻiʻo,ʻaʻole i kuhihewa ka mea koho. ʻO kāu pahuhopu FICO maoli hiki ke hāʻule ma waho o ka laulā, ma luna o ia mea a ma lalo iho paha. Hiki iāʻoe ke hoʻonohonoho pono i kāu koina FICO maoli mai kaʻuFICO.com.
Inā makemakeʻoe e loaʻa ka manaʻo nui o kāu helu,ʻo ka mea koho he ala wikiwiki, maʻalahi a me ke alaʻole e loaʻa ai.
ʻEkolu Paenaeho me nā Fimihi Kūpono FICO
Aia kekahi mau kikowaena pūnaewele e hāʻawi ana i kaʻike FICO a, a no ka mea ua puhiʻia lākou e kaʻuFICO.com, ke noi nei lākou i nā nīnau like a hāʻawi iāʻoe e hāʻawi i nā pane like, e loaʻa iāʻoe ka heluʻai FICO hoʻokahi no kēlā me kēia. ʻO ka mea āu e koho ai he mea nui ia:
- myFICO.com (e nānā i kaʻu hōʻike)
- Bankrate.com
- Kuhikuhi aMyScore.org