Aia i loko o kāu hōʻike kālā ka waiwai nui o kaʻike e pili ana i kāu moemanaʻo hōkele me ke kāleka kāleka a me nā hōʻai'ē aie āu i wehe ai, ke kaulike ma kāu mau moʻokāki, a inā i ukuʻoe i ka manawa.
Nui nā hui e hoʻohana i kāu hōʻike hoʻokele e hoʻoholo ai inā e hanaʻoe i kaʻoihana meʻoe. Hoʻolilo nā mea hōʻai'ē a me nā mea hāʻawi kālā i kāu hōʻike e hāʻawi iāʻoe i nā hōkele a me nā hoʻoili. Hoʻolimalima nā mea hoʻohana iā ia e uku iāʻoe. E hoʻohana nā konohiki i ka uku iāʻoe.
Ponoʻoe e nānā iā ia ma lalo o hoʻokahi manawa i ka makahiki no kaʻikeʻana i kaʻaihue maoli a me ka hoʻomaopopoʻana i ka hōʻike pololeiʻana. Ma ia ala e hiki iāʻoe ke loaʻa kāu hōʻai'ē ma keʻano maikaʻi ma mua o kou hanaʻana i nā noi pili kālā.
ʻO Annualcreditreport.com
Hāʻawi ke kānāwai Pekelala iāʻoe i ke kuleana e nānā i kāu hōʻike pono'ī hoʻokahi i kēlā me kēia makahiki mai kēlā me kēia keʻena kālā. ʻO AnnualCreditReport.com ka pūnaewele kikowaena i mea e hoʻonohonoho ai i kāu hōʻike hoʻoili kīnāʻole i hāʻawiʻia iāʻoe e ke Fair Fair a me ka pololei pololei o nā kuhi kālā (FACTA). ʻO kēia wale nō kahi e loaʻa ai kahi hōʻike kālā hōʻai'ē mai nā kumukūʻai ukuʻekolu ma wahoʻole o ke kuleana.
ʻO ka Credit Bureaus
Hiki iāʻoe ke kauoha i kāu loiloi kālā mai kēlā me kēia o nā bureaus nama i kēlā me kēia lā ma o ka hele pololeiʻana i kā lākou mau pūnaewele: Equifax.com, Experian.com, a me TransUnion.com. Hiki iāʻoe ke kūʻai i kāu loiloi hōʻailona me kēlā keʻena a iʻole ka hōʻike loiloiʻekolu-i-hoʻokahi e hōʻike ana i nā pūnaewele hōʻailonaʻekolu a pau.
ʻO kahi hōʻike loiloi hoʻokahiʻole mai kaʻaha mai iʻoi aku ka uku ma mua o ka hōʻike hōʻai'ēʻekolu-i-hoʻokahi. Akā ināʻoe e hoʻolālā e kūʻai i nā hōʻike loiloiʻekolu a pau,ʻo ka hōʻike hōʻai'ē hōʻemiʻekolu iʻoi aku ka maikaʻi.
ʻO kaʻu MyFICO
ʻO FICO, ka hui i hoʻolālā i ka hoʻolālā kiʻi FICO, eʻae iāʻoe e kūʻai i kāu pūnaewele hōʻailona a me kāu pūnaewele FICO ma o ka pūnaewele myFICO.com.
Hiki iāʻoe ke kauoha i kahi hōʻike loiloi hoʻokahi manawa a iʻole e kākau inoa i kā lākou lawelawe hoʻomanaʻoʻana i ka hōʻai'ē a nānā i kāu hōʻike kālā i kēlā me kēia hapaha makahiki.
Nā Palapala Hōʻike Kū'ē
Ma waho o kāu hōʻike loiloi makahiki kūpono, hiki iāʻoe ke loaʻa i kahi hōʻike loiloiʻole ma nā kumu kūikawā'ē aʻe. Inā ua hōʻoleʻia kāu noi, ua neleʻoe i ka hana a hoʻolālā eʻimi i kahi hana, loaʻaʻoe i ke kōkua aupuni, a iʻoleʻoe i loaʻa i kaʻaihueʻana, hiki iāʻoe ke loaʻa i kahi pūnaewele hoʻoiliʻole. Ponoʻoe e hoʻonohonoho i kēia puka o kāu hōʻike kālā kūpono mai ka waihona kālā kālā,ʻaʻole ma waena o ka pūnaewele hōʻailona hoʻolālā i hoʻohuiʻia.
Eia kekahi, aia kekahi mau kānāwai i nā kānāwai e hāʻawi i nā palapala hoʻolālā makahiki'ē aʻe.
ʻO CreditKarma.com a me CreditSesame.com heʻelua pūnaewele hoʻolālā loea e hāʻawi i kāu hōʻike kālā no ka mea noa.
Nā kūkākūkā
Nui nā mākia hoʻohālike e pili ana i nā hōʻike kālā. Wahi a Pūnaewele Clearing House, aia he 96 mau pūnaewele hoʻopunipuni no annualcrediterport.com. ʻO kēia mau punaewele paha e makemake ana i kāuʻike pilikino a makemake paha e hoʻowalewale iāʻoe i ke kau inoaʻana no kahi lawelawe pili kālā. Eia kekahi mau'ōlelo aʻo no ka paleʻana i nā hōʻike hōʻeuʻeu free credit:
- Eʻike wale i nā pūnaewele i hilinaʻiʻia e loaʻa ai kāu hōʻike kālā. ʻO nā pūnaewele i'ōleloʻia maʻaneʻi he mau pūnaewele maikaʻi. E noʻonoʻo e pili ana i kahi e kipa i kekahi pūnaewele'ē aʻe.
- Mai kaomi i nā loulou i nā leka uila,ʻoiai inā e'āpono ka leka uila. Ma mua o kaʻole, e lawe aku ka loulou iāʻoe i kahi pūnaewele scam e waiho ana ma keʻano he mea maoli.
- Inā kuhiʻoe i kahi loulou leka uila, e nānā eʻike ināʻo kahi helu ma kāu polokalamu keleponaʻo ia ka wahi i makemakeʻia. Inā nānā ka HKH i ka hilinaʻi, e hoʻopau i kāu polokalamu kelepona, a e hoʻomaʻemaʻe i kāu kāleka a me nā kuki.
- E komo wale i kāuʻike pilikino i nā pūnaewele kūpono me nā URL e hoʻomaka ana me "https" aiʻole i kahi laka ma kaʻaoʻao'ākau o ka polokalamu kele pūnaewele, aiʻole ia.
- Inā manaʻoʻoe ua hoʻokumuʻia kāu mauʻike pilikino, hiki iāʻoe ke hōʻolo i kahi leka hoʻopunipuni i kāu hōʻike kālā kālā e hōʻeha i nā mea'ai'ē e hana i nā hanana hou e hōʻoia i kouʻike ma mua o kaʻaeʻana i ka noi pilikino.