Yiyo kuphela indawo ekhuselekileyo kwi-Intanethi ukufumana iNgxelo yakho yeNtengo yeNtengo
Ukufumana iingxelo zekredithi zakho zamahhala kwi-intanethi zibonakala zilula kangangokuthi kulula ukuxhatshazwa. Ingxelo yakho yekhredithi ikhululekile, kodwa ezinye iiwebhusayithi ziyakukuhlawulisa ukuba awuqapheli kwaye uphela kwindawo engafanelekanga. Kukho indawo enye kuphela yokufumana ingxelo yekhredithi yamahhala. Ngoko, qaphela. Usenokuzibuza, kutheni ufuna i-credit credit report? Kuba isinyathelo sokuqala kunoma iyiphi inkqubo ebandakanya ukufaka iitaliti kukufumana ikopi yengxelo yakho yekredithi ukuze ukwazi ukuphikisa izinto zobuxoki ukuba zivela.
Amanye amazwe adlulisile umthetho owanikezela abathengi ilungelo lokufumana iingxelo zekhredithi zamahhala . A bambalwa iColorado, eGeorgia, eMaine, eMaldin, eMassachusetts, eNew Jersey naseVermont. Imithetho ishintsha rhoqo.
Nangona kunjalo, imithetho yombuso yenza ukuba kube lula ukuba nabani na ukuba bafumane ikhophi yamahhala yeengxelo zabo zemali nganye kwiinyanga ezili-12. Unokufumana ikopi yengxelo yakho yekhredithi kwi-intanethi, ngokukhuselekileyo kwaye ingekho mngcipheko ngokufakela le ndawo ekhuselekileyo kwisiphequluli sakho: https://www.annualcreditreport.com.
Nantsi iNdlela yokufumana iiNgxelo zeNtengo zeMali zonke iiNyanga ezine
Ekubeni uninzi lwengcaciso yakho yekhredithi liphindwe kabili nge-arhente yokubika ngetyala, ukuba ufuna ukujonga iingxelo zakho zekrediti rhoqo kaninzi ngaphezu konyaka, nantsi indlela yokwenza. Buza ingxelo evela kwirejista eyodwa yokubika ngetyala. Emva koko, emva kweenyanga ezi-4, cela enye ingxelo evela kwirejista yesibini ye-credit, kwaye ekugqibeleni, iinyanga ezi-4 ukususela ngaloo mhla, cela ingxelo kwingxelo yesithathu ye-credit agency.
Ngale ndlela ungayifumana iingxelo zemali zekhredithi ezi-3 ngonyaka.
Musa ukucela iiNgxelo zeNtlawulo zeNtlawulo kwiiNkcazo zeNkcazo zeMatyala
Ungayisebenzisi iinkampani ezityhafayo eziqokelela imali evela kuwe ukufumana ingxelo yakho yekhredithi ngenxa yokuba unokuba uchaza inombolo yakho yokhuseleko yentlalo kubaphuli-mthetho. Qinisekisa ukuba unxibelelwano olukhuselekileyo, njenge-https, ngaphambi kokuba uthumele ulwazi oluyimfihlo, kwaye uzama ukwenza ishishini ngeenkampani oziwaziyo.
Jonga kwiinkampani ezenza iirekhodi ezikhululekile kwaye uzame ukukunyusela ukuba ubhalisele iinkonzo ezongezelelweyo ongafuni ukuzenza. Iinkonzo ezongezelelweyo ezinikezwayo ezifana nokukwazisa ukuba ubani ufikeleleka kumanqaku akho ekhredithi ayiqinisekanga.
I-FICO Iziphumo ezithintela iingxelo zeTyala
Iziphumo ze-FICO zenziwe yi-Fair Isaac Corporation ngasekupheleni kweminyaka yama-1980 kwaye zisetyenziswa namhlanje ukuvavanya umngcipheko womniki-mboleko kunye nabathengi bemboleko kuyo yonke into ekubolekeni imali ukuthenga indlu ukufumana i-inshurensi yemoto.
Unokufumana umgangatho wakho we-FICO kwi-intanethi ngemali encinci, kodwa ayikhululekile. Inkampani izokuthumela ingxelo yengxelo yemboleko kunye namanqaku avela kwi-arhente zorhwebo zentengiso ezintathu. Ababolekisi ngokuqhelekileyo baya kuphosa amanqaku aphezulu kunye aphantsi kwaye bagcine amanqaku aphakathi. Qinisekisa ukuba ufumana amanqaku okwenene yeFICO okanye amanqaku eNewGen. I-ofisi nganye yeekhredithi inegama elihlukile kumlinganiselo walo we-FICO. I-Equifax ibhonacon. I-Experian yi-Experian / Fair Fair Model Model kunye ne-TransUnion yi-Empirica. Yonke into iphosa.
Umlinganiselo we-FICO umboleki wakho ufumana kunye nomlinganiselo weFICO onokuzilawula ngokwakho kuya kubakho amanqaku amabini ahlukeneyo, ungalindelanga ukuba amanqaku owamkelayo ukulingana. Iziphumo ze-FICO zivela ku-300, ezimbi kakhulu, ukuya ku-850, eyona nto ibhetele kakhulu.
VantageScore
Umncintiswano kwi-FICO yi-VantageScore, eyona ndlela eyahlukileyo yokuqulunqa iziqinisekiso ze-credit. Lo mzekelo wokumisela unikezela ibhalana kwibakala, ukusuka kwi-A ukuya kwi-F, kwaye yenziwa ngamatyala eematyala amathathu. Nantsi indlela ephuka ngayo njengoko amanqaku aqokelelwe kwaye avalwe:
- A: 901 - 990
- B: 801 - 900
- C: 701 - 800
- D: 601 - 700
- F: 501 - 600
Abathengi abakwazi ukuyalela iVantageScore. Itholakala kuphela kubabolekisi.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.