Yintoni iVantageScore?
Xa abaninzi abantu bathetha ngamanqaku esikweleti, ba bhe kisela kumanqaku eFICO, uphawu oluthile-olusetyenziswa ngababoleki. Kodwa, akuyena kuphela umlinganiselo wesikweletu apho. I-VantageScore yaqaliswa ngamatyala amakhulu amathathu e-credit-e-Equifax, i-Experian, ne-TransUnion-ngo-Matshi 2006.
I-credit bureaus yenyuka kunye neVantageScore ukwenzela ukuba amanqaku okuthenga ngethengi aya kuhambelana phakathi kwazo zonke iifesti ezintathu zeentengo zemboleko.
Ngaphambi kweVantageScore, nganye yee-credit bureaus yayisetyenzisiwe ngokwamanqaku okubolekisa ngekhredithi eyabangela ukungafani kwinqanaba lesikweletu nakwiirekhodi ezifanayo.
VantageScore 3.0
Ngo-2013, i-VantageScore ikhuphe i-3.0 inguqu ye-credit score, eyaphucula ukuqikelela kwamanqaku kunye nokwenza izigidi zabantu abathengi ngaphambili. I-VantageScore 3.0 nayo yamkela udidi lwe-300 ukuya ku-850.
I-VantageScore 3.0 ibala amanqaku ekhredithi ngokusekelwe ezintweni ezi-6 eziphambili .
- 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%
Ukongezelela, i-VantageScore 3.0 ixolela abathengi ngeentlekele ngexesha leentlekele zemvelo, umvuzo "umgangatho ophakamileyo" abathengi abahlawulwa kwii-mortgages, ababandakanyi ukuqokelela okuhlawulwayo kunye nokunciphisa ngokunyanisekileyo ukusuka kumsebenzisi ogunyazisiweyo we-piggybacking.
Iimodeli zangaphambili zeVantageScore
Amanqaku abalwa ngokusebenzisa iVantageScore 2.0 kunye nemodeli yangaphambilini yaqala ukusuka kuma-501 ukuya ku-990 ngamanqaku aphezulu abe ngcono. I-VantageScore inikezela ibakala kwibakala kumanqaku ngamnye omthengi. Ibanga leleta lithatha uqikelelo ngokuqaphela ukuba yeyiphi imilinganiselo enetyala lekhredithi.
- 901 - 990 = A, i-Prime Prime, i-11% yabathengi i-Prime Prime.
- 801 - 900 = B, i-Prime Plus, i-29%
- 701 - 800 = C, iNdunankulu, i-21%
- 601 - 700 = D, engeyi-Prime, 20%
- 501 - 600 = =, Ingozi ephezulu, 19%
VantageScore Formula
I-VantageScore ibalwa ngokusekelwe kwingcaciso kwingxelo yakho yekhredithi, kodwa iinyanga ezi-24 zakutshanje zembali zemali zineempembelelo ezibalulekileyo kwiVantageScore.
Iimpawu ze-VantageScore 2.0 kunye zangaphambili zilinganise iziphumo zemilinganiselo zesikweletu njengolu hlobo lulandelayo:
- I-28% - Imbali yokuhlawula - nokuba iintlawulo zakho ziyanelisayo, zikhohlisayo okanye zihlazo
- 23% - Ukusetyenziswa - inani lekhredithi oyisebenzisileyo
- I-9% - Imali-mali - inani lemali esandul 'ingxelo esandul' ingoku nje
- I-8% - Ubukhulu bekhredithi - ubude bembali yakho yematyala kunye neentlobo zeakhawunti onayo
- 30% - Ikhredithi yamuva - inani leakhawunti ezivulwe ngokutsha kunye neengxelo zekhredithi
- 1% - Inkokhelo efumanekayo - inani lemali-mboleko ekhoyo kwiakhawunti yakho yekhadi lesikweletu
VantageScore vs Score FICO
I-VantageScore ifom ifana ne- FICO nomlinganiselo we-five-factor formula (umlando wokuhlawula, inqanaba lesetyala, imbali yembali yemboleko, uhlobo lwee-akhawunti, imibuzo), kodwa iindidi zahlula ngokwahlukileyo: iminyaka yobudala bembali yentengo kunye neentlobo ze-akhawunti kufakwe kwi-VantageScore yobuninzi bentengo (15% vs 13%).
Ukongeza kwindlela yokusebenzisa ngetyala (30% kwinqanaba lakho le-FICO), iVantageScore ikwaqwalasela nekhadi lesikratshi kunye nezikolo zemali-mboleko kunye neentengo ezikhoyo (10% ye-Vantage Score).
I-VantageScore yakho iya kuqhubeka ihluke kwiziko lekredithi ukuya kwelinye elilandelayo kuba ulwazi kwiirekhodi zakho zeentengo zemali zihlukile.
Imibuzo yeNgxowa-mali kunye neVantageScore
Unokujonga i-VantageScore yakho ngaphandle kokuba uhlawule amanqaku akho ekhredithi ngenxa yokuba lolu hlobo lwe-credit inquiry inquiry aluchaphazeli i-credit yakho. I-VantageScore yakho inempembelelo ngemibuzo ephumela kwisicelo sakho semboleko, ikhadi lekhredithi okanye enye inkonzo.
Indlela yokujonga i-Score Vantage Score
Unokufumana iinguqulelo zamahhala zeVantageScore kwi-Credit.com, CreditKarma.com , LendingTree.com kunye ne-Quizzle.com.