Indlela yokusebenzisa i-Free FICO Score Estimator
Urhulumente wesigqeba usinika ilungelo lokunika ingxelo yekhredithi yamahhala kanye ngonyaka , esinika ithuba lokuqinisekisa ukuba iingxelo zeentengo zemboleko zichanekile. Nangona kunjalo, akukho mvume ka rhu lumente yee-FICO zamahhala ngonyaka. Ukuphononongwa kwamanqaku akho okwekhredithi ngaphezu kweengxelo zakho zemali-mboleko kuza kukunika ingcamango epheleleyo ngakumbi apho i-credit yakho imele khona.
Unako ukufumana amanqaku eFICO wamahhala ngokusayinela enye inkonzo yokubhaliselwa, kodwa oko akusoloko kulungile. Unokufumana kwakhona amanqaku angamahhala eFICO xa unqatshelwe imveliso okanye inkonzo okanye ukuba ufumana amanani amancinci kangako ngenxa yesikolo sakho seFICO. Kunoko, ukuba ufuna ukuvakalelwa apho i-credit yakho imi khona, ungasebenzisa uqikelelo lwamanqaku e-FICO.
Ukusebenzisa i-FICO Score Estimator Tool
I-FICO yokulinganisela amanqaku ikucela uluhlu lweemibuzo ekhethekileyo malunga nomlando wakho wekhredithi kwaye isebenzise olo lwazi ukubonelela uluhlu lweFICO yakho. Imibuzo isekelwe kwiindidi zolwazi ezisetyenzisiweyo ukubala amanqaku akho eFICO - umlando wokuhlawula, inqanaba lesetyala, iminyaka yobudala bembali yeebhanki, ukuxuba i-credit, kunye nezicelo zemali zamva nje. Imibuzo embalwa iquka:
- "Unamakhadi amangaki?"
- "Uphelile nini ulahlekelwa ngumboleko okanye ikhadi lokuthenga ngetyala?"
- "Yiyiphi iipesenti zeemali zakho zekhadi lesikredenti ezithengisa ukuba izikwere zekhadi lakho lesikweletu?
Ngokusekelwe kwimpendulo yakho kwimibandela, kunokukho ukuphendula imibuzo. Umzekelo, ukuba uyaphendula ukuba awuzange ulahlekelwe intlawulo, umlinganisi we-FICO wamanqaku alandelayo ulandelelana ngokuthi "Yiyiphi enye inkohlakalo ewake wahlala ngayo kwimboleko okanye kwikhadi lekhredithi?"
Oko Kufuneka Ukwazi Ukulinganisela Amanqaku akho eFICO
Ukufumana uqikelelo olufanelekileyo lwe-FICO yakho kumanqaku kuthetha ukuba uyayazi imbali yakho yekhredithi. Uzodinga ukwazi ukuba uninzi kangakanani amakhadi ezikwereti avulekileyo, izilinganiso kulawo makhadi, zingaphi izicelo zamatyala ezivelayo ezenzileyo, inani elipheleleyo lemali yokulinganisa mboleko yakho, njl njl. Kuba abantu abaninzi banembali enkulu yemali yesikweletu. Kunzima ukukhumbuza, yinto efanelekileyo ukuba ingxelo yakho yekhredithi isebenze xa uhamba nge-estimator score score. Ngaleyo ndlela unako ukunika iimpendulo ezichanekileyo kule mibuzo.
Ukuba awukhange ukhangele ingxelo yakho yekredithi ngokutsha, unako ukufumana ikopi yamahhala yeengxelo zonke zeentengo zemboleko nge-AnnualCreditReport.com. Ungabona kwakhona ingxelo yekhredithi yamahhala esuka kwi-TransUnion ne-Equifax kwi-CreditKarma.com kunye neNgxelo ye-Experian yengeniso kwi-CreditSesame.com. Qaphela nayiphi na indawo ecela inombolo yekhadi lakho lesikweletu ukujonga ingxelo yakho yekhredithi yamahhala .
Ekupheleni kwemibuzo, umqikelelo wamanqaku weFICO unokunika uluhlu apho amanqaku akho eFICO aya kuwa phantsi kweempendulo zakho kule mibuzo. Ngokuqinisekileyo, uqikelelo alukhohlisi. Umlinganiselo wakho wangempela we-FICO ungawela ngaphandle kwebala, mhlawumbi ngaphezulu okanye ngaphantsi kwayo. Unako ukuhlala uhlawula amanqaku akho okwenene yeFICO kwi-myFICO.com.
Ukuba ufuna nje ukuba nombono oqhelekileyo wamanqaku akho, umqikelelo uyindlela ekhawulezayo, elula, kunye nekhululekile yokufumana.
Amasayithi amathathu kunye ne-FICO Score Estimators
Kukho iiwebhsayithi ezimbalwa ezinika amaxabiso okuqikelela ama-FICO kwaye, ekubeni zonke zixhaswa yi-myFICO.com, zibuza imibuzo efanayo kwaye zinikezela ukuba zinike iimpendulo ezifanayo, uza kufumana uqikelelo olufanayo lwe-FICO ngalinye. Lowo ukhetha yinto yokukhetha:
- myFICO.com (khangela isicatshulwa sam)
- Bankrate.com
- WhatsMyScore.org