I-FICO & FAKO Izikolo zemali

Ukuqonda ukuhluka

Amanqaku okuthenga ngetyala anokudideka. Kuwe nawuphi na iwebhusayithi, ibhulogi, okanye incwadi, ungabona i-term credit score. Okanye ungabona amanqaku eFICO. Emva koko, kukho iVantageScore entsha. Sekunjalo, kukho enye ikota yexesha lekhredithi eliye laphonswa ngeenxa zonke kwiiblogi ze-intanethi kunye namaforamu - amanqaku eFAKO. Ziziphi zonke izikolo ezihlukeneyo kwaye zithetha ntoni? Yiyiphi enye "ilungelo"?

I-Score Score yikota yesiGrike

Masiqale ekuqaleni.

Cinga "ngamanqaku okuthenga ngetyala" njengegama eliqhelekileyo elisetyenziselwa ukubhekisela kwixabiso lexabiso elinikezelwe kwingxelo yakho yekhredithi . Amanqaku akho ekhredithi ibalwa usebenzisa ulwazi oluqulethwe kwingxelo yakho yekhredithi kwaye ubonisa ukuba unobungozi obuphantsi (amanqaku aphantsi kwekhredithi) okanye ulungile (umvuzo wamatyala aphezulu).

Kukho iinkampani ezininzi ezithengisa izikolo zamatyala, kwaye nganye yezona zintathu ezinkulu zemali-mboleko zineengqungquthela zaso zamanqaku ezikolo. Ngaphezulu, ii-major bureaus zabasebenzi zihlangene kwaye ziza kunye nekhredithi yazo yemali yekhredithi, i- Vantage Score .

I-FICO yiBhanki yeNgxelo yeMboleko

Umlinganiselo weFICO ngokuqinisekileyo umlinganiselo wekredithi owaziwa kakhulu. Ingqinisiso yekhredithi yempawu, iphuhliswe kwaye ilawulwa yinkampani ebizwa ngokuba yiFICO, eyayingumhle u-Isaac. Kuba amanqaku athile-engqondweni-ngetyala kuthiwa yi-FICO njengebhanki ku-Band-Aid. Ukwenza izinto zidibanise ngakumbi: xa abantu bethetha amanqaku okuthenga ngetyala, bahlala bebhekisela kumanqaku eFICO, kodwa banokubhekisela kunani na inani leenqaku zekhredithi ngaphandle apho.

Kuthiwani ngoFAKO?

Umlinganiselo weFAKO lixesha elibhekiselele kunoma iyiphi na amanqaku ekhredithi ayilona amanqaku eFICO. Ukuba uthenge umlinganiselo wakho wekhredithi ukusuka naphi kodwa i-MyFICO.com, ngoko kungumlinganiselo weFAKO. Ezi ziphumo ze-FAKO zenzelwe iinjongo zemfundo kuphela kwaye azibonakaliswanga iimpawu ababolekisi basebenzise ngokwenene ukuvumela izicelo zakho.

Ngamanqaku eFICO athengiwe kwi-intanethi ayinakufana nomnye wakho umboleki-ntlawulo usebenzisa ngoba kukho ezininzi iinguqu zeFICO, iinguqu zamashishini athile, kunye neenguqulelo zangaphambili ezenziwe eminyakeni eyadlulayo.

Yintoni eyahlukileyo?

Njengokuba sazi, zonke izikolo zekhredithi zibalwa ngokufanayo, ngaphandle kweVantageScore ezinika ubunzima obuhlukeneyo kwingxelo yengxelo yekredithi. Ekubeni asikwazi ukubona inkcazo ecacileyo yenkampani, kunzima ukuphawula ukubahluko othe ngqo.

Ababolekisi nababolekisi basebenzise amanqaku emboleko kwiinkampani abanxulumene nabo. Ingaba ngumlinganiselo wekredithi ye-credit bureau, umlinganiselo we-FICO, okanye amanqaku okuthenga ngetyala. Indlela yodwa yokufumanisa kukuba ubolekisi bakho akuxelele.

Wonke umntu obolekayo okanye ophika isicelo sakho okanye avumele ukuba ube nemimiselo encinci kuyadingeka ukuba uthumele ikopi yamahhala yomlinganiselo wakho wekhredithi ukuba umlinganiselo wakho wekhredithi sizathu sokuba eso sigqibo.

Yintoni Okufuneka Ndiyinyamekele?

Kukho amaninzi amanqaku ahlukeneyo ekrektri ngaphandle apho uzama ukuphucula bonke ngabanye. Ukuba usebenza ekuphuculeni i-credit yakho, sebenzisa amanqaku eFICO njengesiseko sakho. Ukuba ugxininisa ekuveliseni izikolo zakho zeFICO, ezinye izikolo ze "FAKO" ziya kuza kwakhona.

Qaphela ukuba unokuthenga kuphela amanqaku akho eFICO ngokusekelwe kwi-Equifax neTransnnion idatha yengxelo yesikweletu. U-Experian akasayi kuvumela i-FICO ukuba ithengise izikolo zabathengi ngamanqaku ngokusekelwe kwingxelo yengxelo yesikweletu se-Experian.