Indlela i-FICO 8 eya kuPhatha ngayo i-Score yakho yeMali
Amanqaku e-FICO yimiba yesikweletu esetyenziswa kakhulu ngababoleki. I-FICO (eyayibizwa ngokuba yi-Fair Isaac) ihlaziye imodeli yokuboleka kwintengo yemboleko ngoJanuwari 2009 ukuba ibikezele kangangoko amathuba okuba abathengi baya kuhlawula iibhanki zabo zeebhanki. Amanqaku amatyala amatsha abizwa ngokuba yi-FICO 08 iye yamkelwa ngamatyala amakhulu amathathu eentengo zemali-Equifax, Experian, kunye ne-TransUnion. Ngo-Februwari 2015 ukukhululwa kweendaba, i-FICO ithi i-FICO 8 "yiyona ndlela isetyenzisiwe kakhulu kwiimali zemali eMelika."
Abathengi banokujonga isiphumo sabo seFICO 8 kwi-myFICO.com.
Iinguqu kwiFICO 8
I-FICO 8 iya kuthatha ngokujongwa ngokuthe ngqo kumaqela athile ababolekayo ababolekayo abancedayo uncedo olungakumbi ngengozi yokuqikelela. Oku kubandakanya ababolekiweyo be-subprime, ababoleki abatsha kunye nalabo abanee-akhawunti ezivulekileyo, kunye nabbolekayo abakhangela ngetyala.
Ngaphantsi kwe-FICO 8, ababoleki abaneentlobo ezahlukeneyo zeakhawunti zekrediti-amakhadi-ngetyala, iimali zokubolekwa kwemali kunye nemali-mboleko yemoto-ziya kuba nemivuzo ephezulu kunezo zodwa kunye neentlobo ezimbini zeakhawunti. Ababoleki baya kufumana amanqaku okuhlawula izilinganiso zemboleko ngokuphantsi kwexabiso lemveli. Umboleki-mboleko obolekileyo okanye ophezu kwexabiso lemvelaphi uya kulahlekelwa ngamanqaku ekhredithi phantsi kwe-FICO 8.
Ukuba unako ukuhlawula ngokukhawuleza emva kokuba onke ama-akhawunti akho ahlala ekulungileyo, amanqaku akho ekhredithi awayi kuphantsi phantsi kwe-FICO 8. Ngakolunye uhlangothi, ukuba ungasemva kwiingxelo ezininzi, uza kubona okubaluleke kakhulu ukuwa kwekhredithi yakho amanqaku ekwereti.
Ukusebenzisa i- credit ephezulu kwenzakalisa amanqaku akho okwekhredithi ngaphezu kokuba usebenzise isahlulo esincinci se-credit card yakho.
Ababoleki kufuneka babe neakhawunti ezisebenzayo ezifanelekileyo kuneendawo ezivaliweyo.
Ukuqokelela kwetyala le "Nuisance", abo bafumana isixa semali esingaphantsi kwama-100, abayi kuqwalaselwa.
Qaphela ukuba ezi ngqokelela ziyabonakala kwingxelo yakho yekhredithi kwaye inokuchaphazela ukuvunywa kwakho, nangona kunjalo, i-FICO 8 ayiyi kukulangalela kule ngqokelela encinci.
Yintoni ehlala efana neFICO 8
Ngaphandle kwezinto ezikhankanywe ngentla, i-FICO 8 iyahlala ifana kunye neenguqu zangaphambili zemizekelo yokulinganisa.
- Iziphumo zeFICO ziya kuqhubeka ukusuka kwi-300 ukuya ku-850 kunye namazinga aphezulu abe ngcono.
- I-FICO 8 iyaqhubeka ibheka kwiindidi ezifanayo ukubala amanqaku akho ekhredithi :
35% yemali yentlawulo
30% yokusetyenziswa kwemali
15% yobudala bemali
10% izicelo zakutshanje
Ukuxuba u-10% wekhredithi - Iakhawunti yomsebenzisi ogunyazisiweyo iya kuqhubeka ifakwe kwii-credits ze-FICO 8, kodwa umzekelo omtsha uza kwenza umahluko phakathi kweakhawunti yomsebenzisi ogunyazisiweyo kunye nalawo athengwe ngenjongo yokuphucula iinjongo kuphela.
- Umlinganiselo wakho we-FICO 8 uya kuqhubeka ngokusekelwe kwingcaciso kwiirekhodi zakho zekredithi ezivela kwiindawo ezintathu ezinkulu zemali-mboleko.
Ezinye iinguqu zeFICO
I-FICO ikhishile i-FICO 9 ekuqaleni kuka-2015. I-FICO 9 iyayilahla iqoqo ehlawulwayo kwaye ihlawulise abathengi abangaphantsi kwezoqokelela zezokwelapha. Oku kuyinkolelo enkulu kubathengi, ngokukodwa ekuqwalaseleni iziphumo ze-CFPB ukuba umboleki-mboleko wekontraki uhlaselwa ngokungafanelekanga kwiiqoqo zonyango.
Iinguqulelo zangaphambili zeFICO ziquka i-FICO Score 2, 3, 4, ne-5.
I-FICO inikezela ngemali yeBhankidi yabaniki bekhadi lesikweletu kunye ne-Auto Score kubalimi bemoto. Unokujonga iziphumo zakho ze-FICO ezingama-19 ngokuthenga i-FICO Score 3B Ingxelo ye-$ 60 nge-myFICO.com.