Amanqaku eFICO adalwe phakathi kwee-1980 ngeenkampani ezaziwa ngokuba yi-Fair Isaac (ngoku kuthiwa yi-FICO). Amanqaku eFICO ajoliswe ekuncedeni ababolekisi ukuba babone ukuba ngubani na obolekayo abanakho ukusilela.
Ngomhla ka-Matshi ka-2006, ii-ezinkulu zeentengo zemboleko-i-Equifax, i-Experian, ne-TransUnion - yaqalisa i-VantageScore. Le yayingumlinganiselo omtsha wesikweletu owenzelwe ukubonelela ngokuhambelana nezikolo zekhredithi ezinikezelwa nayiphi na i-three bureaus.
Nangona zombini iFICO kunye neVantageScore zadalwa ukuze kuncede abanini-mboleko bagweme ukubeka ingozi, kwaye ngoko ke bendleko, ababolekayo, kukho ukungqinelana okubalulekileyo kwimizekelo emibini yokwenza iitaliti.
Umvuzo Wemivuzo
Amanqaku e-FICO ukusuka ku-300 ukuya ku-850. I-VantageScore 3.0 ithathe uluhlu lwe-300 ukuya ku-850, kodwa iinguqulelo zangaphambili ze-VantageScore zisebenzisa u-501 ukuya ku-990. Zombili izikolo zemali-mboleko zijonga ukuba ababoleki ngamanqaku aphezulu a matyala ayenomngcipheko omncinci kunokuba ababoleki abanamazinga aphantsi kredit.
I-VantageScore 2.0 nangaphambili yanikezelwa ibakala kwibakala kumanqaku okuthenga ngetyala ngokuxhomekeka apho iwela khona phakathi kwebala:
- 901 - 990 = A, i-Prime Prime
- 801 - 900 = B, i-Prime Plus
- 701 - 800 = C, iNdunankulu
- 601 - 700 = D, engeyi-Prime
- 501 - 600 = =, Ingozi ephezulu
Ukubalwa kwamatyala
Isaphulelo seFICO sisisiseko sokufumana i-credit score order kwifom yeeklanu zeenkcukacha , ngelixa iVantageScore isebenzisa ezintandathu.
Amanqaku eFICO
- 35% yemali yentlawulo
- 30% kwinqanaba letyala
- 15% yobudala bembali yemboleko
- 10% iintlobo zemboleko
- Imibuzo engama-10%
VantageScore 3.0
- Imbali yentlawulo - 40%
- Ubudala kunye nohlobo lwekhredithi - 21%
- Ipesenti yekhredithi esetyenzisiweyo - 20%
- Amanqanaba onke / amatyala - 11%
- Ukuziphatha kwentengo yekredithi kunye nemibuzo - 5%
- Inkokhelo efumanekayo - 3%
VantageScore 2.0
- 32% yemali yentlawulo
- 23%
- 15%
- 13% ubunzulu bentengo
- 10% yekredithi yakutshanje
- 7% ekhoyo mboleko
Bobabini iifomula zeFICO kunye neVantageScore zifaka iifomula ezifanayo malunga nomyinge ofanayo kunye neengxelo zeentlawulo zemali. Kodwa, kukho umehluko omkhulu kunyango lokusetyenziswa , imbali yembali yemboleko, kunye neentlobo zemboleko.
I-FICO inika ukusebenzisa i-30% yemanqaku ekhredithi, ngelixa i-VantageScore ibeka u-45% onzima malunga nokuba ungakanani umvuzo oyisebenzisayo.
I-FICO inika i-25% ukuya kwiminyaka yembali yemboleko kunye neentlobo zemboleko. I-VantageScore inika ezi zinto zibini 13%.
Eyona nto ingcono
Ukusuka kumbono wabathengi, umlinganiselo wekhredithi olungcono ngumnye umboleki wakho osebenzisayo ukuvuma okanye ukunciphisa isicelo sakho. Ekubeni abanye ababolekisi basebenzisa amanqaku eFICO, unokuba ngcono xa uhlola amanqaku. Musa ukuyithatha loo nto ngaphandle. Njalo ubuze umnini-mboleko wakho owamanqaku akhredithi aya kuhlola. Qaphela ukuba amanqaku ekhredithi oyithengayo kwi-intanethi mhlawumbi ayiyi kuhambelana ngqo nomthengisi, kodwa inokukunika ingcamango yokuba uya kuphi.
Iikopi zamahhala zeVantageScore yakho, khangela i-Credit.com, CreditKarma.com, LendingTree.com, okanye i-Quizzle.com. Akukho nanye kwezi nkonzo zidinga ikhadi lokuthenga ngetyala ngeenqaku zakho zekredithi zamahhala.