Ukuvalwa kwamakhadi ekhredithi akuphakamisi nakwii-credit score. Ukuvala ikhadi lekhredithi akuyi kusula imbali yekhadi kwirekhodi yakho yekhredithi , kwaye ayiyi kugcina imbali ekubeni ifakiwe kwi- calculation score score .
Ngoko ke, ukuba uvala ikhadi lekhredithi ukwenzela ukwandisa amanqaku akho ekhredithi, cinga kwakhona, ngokuba le ndlela ayiyi kusebenza.
Ngenxa yokuba kukho iingxelo ezininzi ezahlukahlukeneyo malunga nendlela yokuvala ikhadi lekhredithi elichaphazela ngayo amanqaku akho ekhredithi, ndathetha kunye neCraig watts, uMlawuli wezeMicimbi yoLuntu kwi-FICO ukucima ezinye iingcamango ezingalunganga malunga noko kwenzekayo kwi-FICO yakho xa uvala ikhadi lekhredithi.
Ngetyala / Ngetyala: Ngokusetyenziswa kwetyala , ukuvala ikhadi lekhredithi kulimaza umlinganiselo wakho weFICO? Ngaba ukusetyenziswa kwakho kwetyala kuya kukwenyuka kuba uvale ikhadi lekhredithi eliseleyo?
I-Craig Watts: Ngenxa yokuba ingxelo yesikweletu somntu iya kuqhubeka ibonisa ibhalansi ebonakalayo esebenzayo kule akhawunti - nangona i-akhawunti ivalwe - ifom yeFICO iya kuqhubeka ifake i-akhawunti ekubaleni kwezinga lokusebenzisa. Njengoko umboleki ehlawula ibhalansi ephumayo ye-akhawunti, ibhalansi yokunciphisa kufuneka ibe nefuthe elihle kumlinganiselo wokusetyenziswa komntu kunye nomlinganiselo we-FICO, yonke into ilinganayo.
Emva kokuba ibhalansi esele ihlawulwe ingxelo kwingxelo yemboleko njenge-zero, umlinganiselo we-FICO awuyi kuphinda idibanise i-akhawunti evulekileyo ekubaleni kwezinga lokusebenzisa. Ukuze nje kucace, i-formula ihlala izama ukubandakanya nayiphi na iakhawunti evulekileyo ekusebenziseni izibalo zayo, nokuba ngaba loo akhawunti ineemali ezibalaseleyo okanye ibonisa ibhalansi.
Mayelana: Kuthiwani ngeminyaka yobudala? Kukwabikwa ngokubanzi, nakwezinye iiwebhusayithi ezihloniphekileyo (kuquka nam) ukuba ukuvala ikhadi lakho lekredithi elidala kunciphise ixesha lakho lokuthenga ikhredithi ngoko ukunciphisa amanqaku akho eFICO. Ngaba kunjalo?
UCraig: Sikuncede ukuqhubela phambili loo ngqungquthela. Kwiintsuku ezindala, sasilumkile kakhulu [malunga nomphumo wokuvala ikhadi elidala lekhredithi ]. Ukubalwa kwamanqaku eFICO kubheka ii-akhawunti ezivulekileyo nezivaliweyo. Ngethuba nje umlando we-akhawunti isengxelo yengxelo yemboleko , ifakiwe kumanqaku eFICO. Ukubanjwa kukuba ngethuba elithile, ii-credit bureaus zisusa i-akhawunti kwingxelo. I- ofisi nganye yeekhredithi inesakhiwo sayo sangaphakathi sokususa i-akhawunti, kodwa into enjengeeminyaka elishumi. Ngoko, akuyonto into omele uyixhalabele ubuncinane ubuncinane iminyaka elishumi.
Ngokumalunga: Xa umniki wekhadi lokuthenga ngekhredithi evala ikhadi lekhredithi, kukho amaxesha amaninzi amazwana ashiywe kwingxelo yemboleko, "Valiwe ngumniki-ngxowa-mali." Ngaba kukho nayiphi na loo ngxelo ephazamisa amanqaku eFICO?
UCraig: Cha. Akunandaba nokuba ngubani ovale ikhadi.
Ngamafutshane, umlinganiselo wakho wekhredithi unokuchaphazeleka ngokuvala ikhadi lekhredithi ukuba
- Ikhadi linokulinganisela.
- Isakhona isikweletu xa amanye amakhadi enu awenzi.
- Kwakuyikhadi lokuqala owake wavula (nangona le nto ayiyi kubaluleka malunga neminyaka eyi-10)
- Awunawo amanye amakhadi ekweretheni
Ngenxa yesikhokelo sakho samatyala, kubalulekile ukuvavanya isigqibo sakho sokuvala ikhadi lekhredithi ngaphambi kokuba uthathe isenzo. Funda amaCards aMatyala amahlanu Awufanele Uze Uvale ukuze uncede wenze isigqibo esifanelekileyo.
Udliwano-ndlebe noCraig Watts lwenziwe ngoMeyi 13, 2009.