Inkcazo: I- FICO imele iqumrhu eliyixhobileyo: I- F air I- Saac Co- ration, ebizwa ngo-1956 emva kokusungula kwayo: uBill Fair, unjineli kunye no-Earl Isaac, isazi semathematika. Imfomfom ye-credit-score score that evaluates the risk of a borrower.
Inkqubo yokuqala ye-credit rating-based based scoring system yasungulwa ngu-Fair Isaac kwiminyaka ye-1980, kodwa ayizange imke ukususela ngo-1995 xa iinkampani ezimbini ezibalulekileyo, uFannie Mae kunye noFreddie Mac, abathengisa phantse ezimbini kwiintengiso ezintathu mboleko, ikhuthazwa ukuba ababolekisi basebenzise izikolo zeFICO.
Namhlanje akunakwenzeka ukufumana umboleko ngaphandle kwemali -mboleko ukuhlola amanqaku akho eFICO. Iprogram eyaziwayo ye-desktop phantsi kwenkqubo evela ku-Fannie Mae ngokuzenzekelayo iquka izikolo zakho eziphezulu ezintathu ze-FICO kwii-arhente zentengiso ezintathu: i-Equifax, i-TransUnion, ne-Experian. Esi sizathu sokuba ngamanye amaxesha abameli bazakucebisa abathengisi ukuba bacele ikopi yomthengi we-DU ukuze bakwazi ukujonga izikolo zeFICO. Umthengi kufuneka anikwe imvume yomntu-mboleko ukukhulula ifayile ye- desktop phantsi kweqela lesithathu.
Ababolekisi bamisela amanqaku amancinci e-FICO ukwenza i mboleko. Ezinye izikolo zeFICO ziphantsi, kwaye ababolekisi bahlawulwa ngokufanelekileyo. Abanye abakhokheli bokuqala basekhaya baya kunzima ukufumana umboleki-mboleko oya kubafaka umbolekisi ukuba amanqaku abo eFICO awela ngaphantsi kwe-600. Iphakamileyo yakho ye-FICO, inqanaba lakho lemali eliphantsi kunye nemirhumo. Xa ubona amaxabiso okucatshulwe kwiiwebhusayithi ezithile, ezo zigcinwe ngokuqinisekileyo kwii-FICO izikolo.
Musa ukuphelelwa lithemba okanye ukuyeka xa amanqaku akho eFICO ephantsi kwaye umboleki-mboleko uyalahla isicelo sakho sokuthenga imali . Kukho iindlela zokuphucula umlinganiselo wakho we-FICO, kwaye abanye abathengi bemali mboleko bangabhekisela abathengi abangaphantsi kwe-stellar credit kwiinkampani ukuyilungisa. Qinisekisa ukuba ufumana ukuthunyelwa kumntu-mboleko kwenkampani yokulungisa iitaliti, nangona kunjalo, kuba abanye babo bangabonakali kwaye abayikuphucula umlinganiselo wakho wesikweletu.
Ukuphucula umlinganiselo wakho wekhredithi, zama ukuhlawula izilinganisi ezinkulu, kwaye uqale ngexabiso elikhulu kuqala. Ukuba zonke iikhadi lakho lokuthenga ngetyala lixakeka, oko kuya kunciphisa umlinganiselo wakho weFICO. Ufuna ikhefu eliphilileyo phakathi kwemali oyimali kunye nexabiso lemali yekhredithi.
Musa ukuvula nayiphi imigca ematyala kwaye ungavali imigca yamandulo ngaphandle kokuthetha nomboleki wakho. Ukuba awunayo namakhadi ekhredithi, unganakho ukufumana amanqaku eFICO. Zama ukusungula inkokhelo ngonyaka okanye ngaphambi kokuba uqale ukukhangela amakhaya athengiswayo.
Musa ukukhawuleza intlawulo. Ukukhawuleza kwintlawulo kuthiwa yihlazo kunye nezinye iinguqu ezibonakalayo kwingxelo yakho yekhredithi , i-score your down score. Ukugcina nokukhusela i-credit yakho yinqununu ongenakufundiswa esikolweni okanye ekhaya, kodwa kubaluleke kakhulu ukuthenga ikhaya. Kungathetha umahluko phakathi kokuthenga ikhaya okanye ukungavunyelwanga ukuthenga imali.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.
Ukubhengezwa kwegama: F-iso Coh
Eyaziwayo njenge: Ikhredithi yeMali
Imizekelo: Ngenxa yokuba uMariya we-FICO wayengu-750, umboleki-mboleko wayejonga ukuba uMary ungumngcipheko omkhulu wekhredithi aze amvumele uMary ubole imali ngezinga elincinci kakhulu lentengo, eligcinwe kumakhasimende aphezulu eFICO.