Yazi ukuba yintoni na kwaye ithetha ntoni
Imbali
I-FICO yasungulwa ngo-1956 nguYilwayo weBill Fair kunye ne-mathematian Earl Isaac kwaye ekuqaleni wayebizwa ngokuba nguLungile, uIsake, kunye neNkampani.
Injongo yokuqala, ngokwe-website yayo, yayikuphucula izigqibo zoshishino ngokusebenzisa ulwazi ngokuchanekileyo. Baqulunqa uhlelo lwabo lokuqala lokuthenga ngetyala ngonyaka ka-1958. Ngo-1991, amanqaku e-FICO afunyenwe kwii-arhente ezinkulu ezintathu zokubhengisa ngetyala, kwaye ngowama-1995, u-Fannie Mae noFreddie Mac babekhuthaza ukusetyenziswa kwezikolo ze-FICO zokuboleka imali. Ngo-2009, inkampani yashintsha ngokusemthethweni igama layo lophawu lwegama kunye nesimboli samasheya kwi-FICO.
FICO 9
Ngomnyaka ka-2018, inguqu yakutshanje yeFICO, i-FICO 9, inciphisa igalelo letyala lezonyango kumanqaku ekhredithi yomthengi. Akunabo bonke ababolekisi abafumana iinqununu zeFICO zangoku kwixesha elifanayo, ngoko abanye basenokusebenzisa amanqaku amaninzi amatyala enyango.
Ii-three ezinkulu zemali zemali -Equifax, Experian, kunye ne-TransUnion-nganye zibala izikolo ze-FICO ngokusekelwe kwingcaciso kwiingxelo ezicacileyo eziqhubekayo kwiimbali zakho zemali. Amanqanaba avela ku-300-850, kwaye unayo enye kwiziko leentengo zemboleko .
Ngokubanzi, amanqaku angaphezulu kwama-700 athatyathwa okulungileyo, ngelixa amanqaku angaphezulu kwe-750 athatyathwa njengelungileyo. Amanqaku angaphantsi kwama-650 ngokuqhelekileyo anqatshwa njengamahlwempu, kwaye amanqaku angaphantsi kwama-600 awona mbi. Kubalulekile ukuqonda, nangona kunjalo, ukuba ababoleki abahlukeneyo banemilinganiselo eyahlukileyo, kwaye bonke bajonga iinkcukacha ezahlukeneyo kwingxelo yakho yekhredithi.
Ngokomzekelo, amanqaku angama-675 angakufumanisa imvume yokuthenga imali, kodwa kusenokwenzeka ukuba isicelo sakho sohlobo oluthile lwekhadi lesikweledu lucatshiwe.
Izinto
Isaphulelo sakho seFICO sisekelwe kwiinqununu ezinhlanu zolwazi
- Ukukhawuleziswa kweentlawulo zebhilikhi zakho kubhalisela ama-35 ekhulwini akho amanqaku. Lo ngumbuzo olula wokuba ungayikhokheli iindleko zakho ngexesha. Ukuba iintlawulo ziphelile, ngaba zi-30, 60, okanye iintsuku ezingama-90 zihamba kunye? Ngaba kukho naziphi na i-akhawunti ithunyelwe kwiiqoqo? Ngaba unayo nayiphi na into ebhawulwayo okanye i-foreclosures? Amanqaku angenayo amanqaku kwaye unamandla ngakumbi, amanqaku akho aya kuba nefuthe.
- Isixa sematyala ophethe i-30 pesenti yamanqaku akho. Into ebalulekileyo ngale nto yinkqubo yokusebenzisa i-credit. Ngokomzekelo, amanqaku akho aya kuba phezulu xa ungasebenzisi ngaphezulu kweepesenti ezingama-30 zesikweletu sakho esikhona. Ngokomzekelo, ukuba unamakhadi enetyala kunye nemida edibeneyo ye-R10 000, amanqaku akho aya kuba phezulu xa ugcina izilinganiso zakho ezihlangeneyo zingabi ngaphezu kwama-3,000.
- Iminyaka ye- akhawunti yakho yekhredithi i-15 ekhulwini yemanqaku akho. Ngokwenene, sele unamabanga akho kangakanani? Ukuba usebenzise iitaliti ngamashumi eminyaka kwaye wenze njalo ngokufanelekileyo, uya kuba namanqaku aphezulu kunomntu onembali emfutshane yemboleko. Yingakho kungengcamango enhle ukugcina iakhawunti yamakhadi ekhredithi evulekile nokuba ungasayisebenzisi.
- Inani lezicelo zentengo zamatyala zangoku zifake iakhawunti malunga neepesenti ezili-10 zamanqaku akho. Ukuba ufaka isicelo sekhredithi rhoqo, uya kubonwa njengomngcipheko, kwaye uya kuba namanqaku aphantsi. Ingcamango elandelayo kukuba ukuba abantu bafuna iimali ezinkulu zemali-mboleko, banokubandezeleka kweengxaki zemali, ezenza zibe ziingozi.
- Iindidi ze-akhawunti unayo i-akhawunti yeepesenti ezili-10 zamanqaku akho. Umxube omkhulu weakhawunti onayo, umgangatho wakho uya kuba ngcono.
Ukuphonononga umvuzo wakho
Ungajonga izikolo zakho ze-FICO kwii-three ezinkulu ezinkulu zemali-mboleko ngokundwendwela i-myFICO.com. Ezinye iibhanki, iimanyano zeentengo zemboleko kunye nabanikezeli bekhadi lokuthenga ngetyala ziquka isikolo samahhala seFICO kunye nesitatimende sakho senyanga.