Esikolweni, ufumana ibakala elingawela kuyo yonke indawo ukusuka kwi-0 ukuya ku-100 ngokusekelwe kumyinge womsebenzi okwenzileyo kwiklasi. Ephakamileyo ibakala lakho, ngcono. Amanqaku okuthenga ngetyala - amanani anika ubungakanani bemali-mboleko - sebenzisa ingcamango efanayo. Amanqaku akho eempawu zesikweledu amathathu anamaxabiso angabelana phakathi kwamanani amabini kwaye aphakanyiswe amanqaku akho ekhredithi, ngcono i-credit yakho ithathwa. Kukho iintlobo ezahlukeneyo zeenkolo zemali kwaye ngamnye ngamnye unalo uluhlu lwakhe.
Umlinganiselo weeFICO
Uninzi lwabantu luyaqhelana ne- FICO yamanqaku omlinganiselo weekhredithi zemboleko. Amanani kwi-FICO ububanzi bee-300 ukuya ku-850. Ngokutsho kwe-FICO, nayo ineziphumo ezithile ze-FICO zoshishino malunga no-250 ukuya ku-900.
Ungathenga umlinganiselo wakho weFICO ngokuya kwi-myFICO.com. Abaniki bamakhredithi abambalwa beekhredithi - Ukufumanisa, i-Barclaycards, kunye ne-First National Bank yase-Omaha - faka ikopi yamahhala yepicati yakho ye-FICO ngesitatimende sakho senyanga.
I-VantageScore Range
I- VantageScore yamanqaku okuthenga ngetyala ngamaphuzu amatyala atshanje aveliswe yiziko ezintathu ezinkulu zemali-mboleko - i-Equifax, i-Experian, ne-TransUnion. I-VantageScore 3.0 isebenzisa u-300 ukuya ku-850 udidi olufana namanye amamodeli amanqaku okuthenga ngetyala. Iinguqulelo zangaphambili zeVantageScores ziqala ukusuka kuma-501 ukuya ku-990 kwaye zinika ibanga le-AF.
Ungajonga iVantageScore yakho mahhala nge-Credit.com, CreditKarma.com, LendingTree.com okanye i-Quizzle.com. Akukho nanye kwezi nkonzo idinga ikhadi lekhredithi okanye ubhaliso.
Ukuba ukhetha, ungathenga iVantageScore yakho ngqo kwi-Experian okanye kwi-TransUnion.
Ezinye izikolo zemali
Uninzi lwamanqaku eebredithi , ama- FAKO amanqaku , ukusuka kwi-300 ukuya ku-850. Amabhanki anokuba neenqobo zabo zemali zetyala kunye neendawo eziziwayo kuphela.
Qinisekisa ukuba uyayazi uluhlu lwamanqaku ekhredithi oyalela ukuba kukunikezele ngembono malunga nokuba umlinganiselo wakho wekhredithi uthetha ntoni.
Uninzi lwamanqaku omniki-ngxowa-mali anikezela iinkcukacha malunga nekhredithi yakho ekumi xa uyala amanqaku akho ekhredithi ukuba uthathe uqikelelo lwaloo nto inqaku lakho lokuthenga ngetyala.