I-VantageScore Solutions yasungulwa ngamatyala amakhulu amathathu eentengo zemali-Experian, TransUnion ne-Equifax-njengomncintiswano kwi-Fair Corporation Corporation, abantu abasemva kwesikolo seFICO esasetyenziswa kakhulu. Kwaye kutshanje kwandise ukuba i-model yayo entsha yokuthenga ngetyala, i-VantageScore 4.0, ngokukhawuleza iza kuthatha indlela epheleleyo yokubala inani lakho leenombolo ezintathu.
"Kuyinto engavamile kwaye engaqhelekanga ukuba inkqubo entsha yokumakisha ibonakale ibe yinto ehlukileyo kunokuba ilandele iinkqubo ezivela kwabanye abaphuhlisi beemboleko zesikweletu," kusho uchwepheshe wezezikweletu uJohn Ulzheimer, owaye wasebenza kunye neFICO ne-Equifax. "Le nto ifanelana nelo bhili ngenxa yezizathu ezimbalwa."
Nantsi into enokuyilindela xa isistim esitsha sokumakisha sigxina ekuwa-kwaye oko kuthetha ntoni kumanqaku akho ekwereti .
Ukusetyenziswa kweedata zembali kuthetha ukuba uya kufuna ukuba izikali zakho zihlawule.
I-differentiator yokuqala yokuqala yindlela yokusebenzisa imodeli yendlela imboni ebiza ngayo "idata" idatha. I-formula iya kubheka kwimbali yakho yokuboleka njengengaphezulu ye-continuum-umzila wee-balance and your use over time-instead of frame frame. "Ukuba thina sibini sinokulinganisela kwee-10,000 zeemali zesikweletu, kodwa sele uhlawula phantsi kwakho ixesha elide kwaye ndiye ndanyusa i-mine, le nto ibonwa njengengozi enkulu, kwaye umzekelo omtsha uya kuwuqwalasela," kusho uJeff URichardson, isithethi seVantageScore Solutions.
Ngamanye amagama, ukuba umgca wakho womgca ubonisa ukuba uhlawula ityala-okanye, nokuba bhetele, ukuhlawula iibhalansi zakho zenyanga ngokupheleleyo-eziza kunceda ukuqhuba amanqaku akho. Kodwa ukuba uqokelelele ukunyuka kwetyala lekhadi lesikweletu ngeminyaka kunye / okanye ukuvula iiakhawunti zamakhadi amatyala ngokuqhelekileyo, oku kuya kukulimaza.
"Kunjalo ukuhamba kwiindawo zokujonga [ukuba zikhangele] kwelinye iqhosha ngexesha," kusho u-Ulzheimer. "Ixelela ibali malunga nokuba umntu uhlawule imali, kuba uphumelela isicelo, okanye ukuba umntu uya kuhlawula ibhalansi ngokupheleleyo ngenyanga nganye ininzi yexesha."
Oko kuthetha ukulungiswa kwetyala ngokukhawuleza phambi kokuba izicelo zokuboleka imali zingasasebenzi.
Ngaloo nto engqondweni, kukude ufanele uhlambulule i-credit yakho ngaphambi kokufaka isicelo sokuthenga imali okanye mboleko? "Ndandisoloko ndithi iintsuku ezingama-30," kusho u-Ulzheimer. "Andiyi kunika le ngcebiso kwakhona." Ngeenkcukacha ezihamba phambili zibuyela kwiminyaka edlulileyo, ukuhlawula ibhalansi yakho ukukhulisa amanqaku akho ngenyanga ngaphambi kokuba ufake isicelo asiyi kukhohlisa umntu. Akunakukunyusa umda wakho wemali ukwenzela ukuba usebenzisa ipesenteji encinci yekredithi yakho ekhoyo ngaphambili. "Ukuba ungumntu onetyala kwaye uya kufaka isicelo semali mboleko yemali, imali yokuthenga imali, okanye ikhadi lokuthenga ngetyala, kwaye unakho ukuhlawula imali efanelekileyo kungekudala ngaphambi kokuba ufake isicelo, ayiyi kukunceda kakhulu bekuza kwenzeka ngaphambili, "kusho uMat Schulz, umhlalutyi ophezulu kwi-CreditCards.com. Ngaphantsi kwenkqubo entsha, amanqaku akho aya kubonakalisa imbali yakho yamatyala, nokuba ngaba unako ngaphantsi.
Ukuhlawula okungaphezulu kuncinci kuya kuzuza amanqaku akho.
Olunye umehluko luya kuba yinkqubo yokuqwalasela iintlawulo zakho - kungekhona nje ukuba zihamba ngexesha, kodwa ungakanani na obeka kuzo ubuncinci obufunekayo. Ukuhlawula ngaphezu kokuncinci kuya kuba ngumqondiso obonelela kubathengi, okwenza ubonakale ngathi uncinci yengozi yemboleko. Ngaphezulu, ukuba uhlawula ubuncinci, amathuba akho aya kuqhubeka ekhula, okuza kubonakalisa kakubi kumanqaku akho ekhredithi .
"Oku [ukuguqulwa ngokufaka amanqaku kunokwenza] kunokunceda ukutshintshela umsebenzisi wekhadi lekhredithi phezu kocingo ukuba ube ngumbukeli kumthengisi, kwaye oko kuya kugcina umboleki umlinganiselo omkhulu wetyala," kusho u-Ulzheimer.
Amanqaku amasha akhankanya ukuba axolele kwaye avulekele.
Ekugqibeleni, amanqaku amatsha azakuxhomekeka ngaphantsi kwiiqoqo ezihlaselayo kunye nedatha-irekhodi yoluntu njengemibandela kunye nezigwebo, kwaye iya kubalahla iqoqo lezokwelapha ezingaphantsi kweenyanga ezintandathu.
Ngaphezu koko, kuya kusebenzisa umatshini-kufunda ukukunceda amanqaku angama-30-35 abasebenzisi abathengisa iifayile zetyala. Leziindaba ezilungileyo zeemillennials kunye nabanye abatsha.
I-FICO iya kuhlala iyifanayo - ngoku.
Isaphulelo sakho seFICO asiyi kubandakanywa kwedatha ehambelanayo kwifom yefom ye-scoring, kwaye inkampani emva kweFICO yanciphisa inani leenguqulelo zeVantageScore. "Inzuzo abaye bayithethayo ingaphantsi kwabathengi, kwaye ngaphezulu malunga nokuba ingaba nexabiso lokubaluleka kwababoleki," kusho uSally Taylor-Shoff, uFihlalo we-FICO. "[[Abathengi] bafuna ukwazi amanqaku ababolekisi abajongeyo. Ababoleki basebenzisa i-FICO ngaphezu kweepesenti ezingama-90 zexesha. "
I-Ulzheimer icela ukuba ihluke, ibiza ukuba izinga lokutholwa kwe-VantageScore - ngaphezu kweebhiliyoni ezisibhozo ze-VantageScore izikolo zetyala zazisetyenziswa phakathi kukaJulayi 2015-Juni ka-2016, ngabangeneleli abangaphezu kwama-2,400 kunye nabanye abathathi-nxaxheba bezentengiselwano - "bayamangalisa." Sekunjalo, ubonisa ukuba I-FICO izikolo kunye ne-VantageScore zihamba ngeendlela zazo, ziyakuthi zixele amabali afanayo. Ukuba unemikhwa emihle yemboleko , uya kuba nemivuzo emihle ngeenxa zonke.
Kunye noKelly Hultgren