ʻO kahi wale nō kahi palekana ma kahi pūnaewele e loaʻa i kāu hōʻike pūnaewele pili
ʻO ka loaʻaʻana o kāu mau'ōlelo loiloi piliʻole ma ka pūnaewele me ka mea maʻalahi hikiʻole ke hāʻule i ka hopena. ʻAʻole noa kāu hōʻike kālā hōʻoia, akā, ke kau nei kekahi mau pūnaewele iāʻoe ināʻaʻoleʻoe e noʻonoʻo a hoʻopau i ka pūnaewele kūponoʻole. He hoʻokahi wale nō wahi e loaʻa ai kahi hōʻike loiloiʻole. Nolaila, e makaʻala. Hiki paha iāʻoe ke noʻonoʻo, no ke ahaʻoe e makemake ai i kahi hōʻike hōʻike kālāʻole? Ma muli o ka hana mua i kēlā me kēia hana e pili ana i ka noiʻana no ka hōʻai'ē,ʻo ia ke loaʻa i kahi kope o kāu hōʻike hōʻike kālā e hiki ai iāʻoe ke hoʻopaʻa i nā mea hoʻopunipuni ināʻikeʻia.
Ua hala kekahi mau kānāwai i ka hāʻawiʻana i nā mea kūʻai i ka kuleana e loaʻa i nā pūnaewele hoʻoiliʻole . Aia kekahi ma Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey a me Vermont. Ke hoʻololi mau nei nā kānāwai.
Eia naʻe,ʻo nā kānāwai o ke aupuni loea e maʻalahi ai i ka loaʻaʻana o kekahi kope o kā lākou hōʻike kālā i nā mahina he 12. Hiki iāʻoe ke loaʻa i kahi kope o kāu hōʻike kālā ma ke kele pūnaewele, me ka palekana a me ka pilikiaʻole ma ka lawelaweʻana i kēia kahua paʻa i kāu polokalamu kele pūnaewele: https://www.annualcreditreport.com.
Eia ke ala e kiʻi ai i nā hōʻike kālā pili kālā i kēlā me kēia mahinaʻehā
No ka loaʻaʻana o ka hapanui o kāuʻikeʻike kālā e nā keʻena hōʻike hōʻike 3, inā makemakeʻoe e nānā i kāu loiloi kālā ma mua o ka manawa hoʻokahi i ka makahiki, eia ke ala e hana ai. E noi i kahi hōʻike mai kahi hoʻokahi keʻena hōʻike hōʻai'ē. A laila, 4 mau mahina ma hope, e noi mai i kahi hōʻike hou mai ka lālā hoʻolālāʻelua, a ma hope, 4 mau mahina mai kēlā lā, e noi mai i kahi hōʻike mai ke keʻenaʻo kaʻaila hōʻikeʻekolu.
Ma kēiaʻano e hiki iāʻoe ke loaʻa 3 pūnaewele hōʻemi kālā i kēlā me kēia makahiki.
Mai noi aku i nā hōʻike kūponoʻole no ka hōʻike kālā pili kālā
Mai hoʻohana i nā pūʻulu hilinaʻi e hōʻiliʻili i kahi uku mai iāʻoe no ka loaʻaʻana o kāu hōʻike kālā no ka mea e hiki ana iāʻoe ke hōʻike i kāu helu mālama ola i nā mea hana hewa. E mālamaʻoe i kahi pilina pili, e like me https, ma mua o ka hoʻounaʻana i nāʻike pilikino, a ho'āʻo e hana i nāʻoihana me nā hui āu eʻike nei.
E nānā i nā pūʻulu e hoʻolālā i nā pūnaewele piliʻole a ho'āʻo e hoʻolālā iāʻoe i ke kau inoa no nā lawelawe'ē aʻe āuʻaʻole makemake e kauoha. ʻO nā lawelawe'ē aʻe i hāʻawiʻia e like me ka haʻiʻana iāʻoe inā loaʻaʻole kekahi mea i kāu heluʻai'ai'ē .
Nā FICO Scores e pili ana i nā hōʻike hōʻailona
Ua hoʻomohalaʻia nā helu FICO e Fair Isaac Corporation i ka hopena o nā makahiki 1980 a hoʻohanaʻia i kēia lā e hoʻololi i ka pilikia o ka mea hoʻolako a me ka pono o ka mea hoʻohana no nā mea a pau mai ka noi kālāʻana e kūʻai i hale no ka loaʻaʻana o ke 'inikomo kaʻa.
Hiki iāʻoe ke loaʻa kāu māhele FICO ma ka pūnaewele no ka uku liʻiliʻi, akā,ʻaʻole ia he uku. E hoʻouna aku ka hui iāʻoe i kahi hōʻike hoʻoili a loaʻa mai nā helu mai nā keʻena hōʻike hōʻai'ēʻekolu. Hiki i nā mea hāʻawi kālā ke kiola i ka helu luna a me lalo a mālama i ka helu waena. E hōʻoia e loaʻa ana iāʻoe kahi haki FICO maoli a iʻole ka helu NewGen. He inoaʻokoʻa kēlā me kēlā me kēia keʻena liʻiliʻi no kona kīkelē FICO. ʻO Equifax ka Beacon. ʻO Experian is Experian / Fair Isaac Risk Model a TransUnion ka Empirica. ʻO nā mea'ē aʻe a pau he mea wahaheʻe.
Loaʻa ka FICO i kāu mea uku a me kaʻike FICO iāʻoe e kauoha iāʻoe iho heʻelua mau helu likeʻole,ʻaʻoleʻoe e manaʻo i ka hopena āu e loaʻa ai i ka pāʻani. ʻO ka FICO helu nui mai 300 mai,ʻo ia kaʻinoʻole, a hiki i 850,ʻo ia ka mea maikaʻi loa.
ʻO VantageScore
ʻO ka mea hoʻokūkū i FICOʻo VantageScore ia, heʻano'ē aʻe ia e helu ai i nāʻike hōʻailona. Hāʻawi kēia kumu hoʻohālike i kahi palapala leka, mai A a F, a ua hanaʻia e nā kumukūʻaiʻekolu . Eia keʻano o ka haʻihaʻiʻana i ka hoʻoʻuluʻuluʻana o nā helu a laila kohoʻia:
- A: 901 - 990
- B: 801 - 900
- C: 701 - 800
- D: 601 - 700
- F: 501 - 600
ʻAʻole hiki i ka mea hoʻohana ke kauoha iā VantageScore. Loaʻa i nā mea hāʻawi kālā wale nō.
I ka manawa e kākau ai,ʻo Elizabeth Weintraub, CalBRE # 00697006, he mea kūʻai aku ma ka Lyon Real Estate ma Sacramento, Kaleponi.