Umyinge wamanqaku eentengo zemali kulo lonke iUnited States yayingu-675 ngo-2017, ngokwe-Experian ka-2017 yeNkcazo yesiTyala seNkcazo.
Idatha isekelwe kwi- VantageScore 3.0 , eyenza izikolo zivelise amanqaku ekrejeni kwi-300 ukuya ku-850.
Kuyaziwa kakuhle ukuba izikolo eziphezulu zamatyala zilunge, kodwa ukuphulwa kwamanqaku ebharki kubakaki kubangela ukucaca ngakumbi kumanani amanqaku atyala.
VantageScore Iziqendu
- 781 - 850: I-prime
- 661 - 780: iNdunankulu
- 601 - 660: kufuphi neNdunankulu
- 500 - 600: i-Subprime
- 300 - 499: I-subprime ephantsi
Amanqanaba anamaPhezulu aphezulu kunye aphezulu kunazo zonke
INigeria inomyinge ophezulu kakhulu weekhredithi kwi-709. I-Mississippi inomyinge we-credit grade ophantsi kakhulu kwi-647.
Eminye yezona ziphezulu ezi-10 zichazwe ngamanqaku aphezulu a matyala: iVermont (702), i-New Hampshire (701), eMzantsi Dakota (700), eMassachusetts (699), North Dakota (697), iWisconsin (696), iIowa ( 695), Nebraska (695), eHawaii (693). Ezi zikolo zetyala zizonke ziqwalaselwa njengeNkulumbuso kwisikali seVantageScore. Abathengi ngeeNkcazo zeNkcazo zeNkcitho badla ixesha elilula lokufumana imvume kwi-credit kwaye baya kufumana amanqaku afanelekileyo xa avunyelwe.
Ngokomnye u-9 uchaza ngamanani amanqaku aphantsi asematyala: iLosana (650), i-Georgia (654), i-Alabama (654), i-Nevada (655), iTexas (656), i-Oklahoma (656), i-South Carolina (657), i-Arkansas (657), kunye ne-West Virginia (658). Kwinqanaba le-VantageScore, ezi zikolo zithathwa njenge-Prime Prime. Kungaba nzima ngakumbi ukufumana imvume kwi-kredithi kunye neerhafu ezingaphezulu.
Ngaba i-geography idlala indima kwizikolo zemali-mboleko? Ingabonakala isekelwe kwi data. Ezi sixhenxe zezona ziphezulu ezi-10 zikhankanywe ngamanqaku aphezulu a matyala aseMidwest ephakamileyo ngelixa i-9 ye-10 ichaza ngamanqaku athile aphantsi kwamanqaku akwi-Southeast.
Kakade ke, ngelixa idilesi yakho ifakwe kwingxelo yakho yebhanki, akuyona into ebalulekileyo kumanqaku akho ekhredithi. Ingcaciso kuphela ehambelana ngqo nemirhumo yakho yokuboleka kunye neentlawulo zifakwe kumanqaku akho ekhredithi. Imbali yokuhlawula yinto ebalulekileyo kakhulu kwi-VantageScore calculation. Kwakhona ngu-35% womlinganiselo wakho we-FICO. Ubudala kunye neentlobo zemboleko ezisetyenzisiweyo kunye neepesenti zokusetyenziswa kwemida yeemali zichaphazela kakhulu kwiVantageScore. Isixa-mali semali kunye netyala linempembelelo ngokuthe ngqo. Izinto ezincinci zithintekayo ukuziphatha kwentengo yemali kunye neengxelo kunye nekhredithi ekhoyo.
Lumente | Umyinge weVantageScore |
| Alabama | 654 |
| Alaska | 668 |
| EArizona | 669 |
| Arkansas | 657 |
| California | 680 |
| Colorado | 688 |
| Connecticut | 690 |
| District of Columbia | 670 |
| Delaware | 672 |
| Florida | 668 |
| Jojiya | 654 |
| EHawaii | 693 |
| Idaho | 681 |
| Illinois | 683 |
| E-Indiana | 667 |
| Iowa | 695 |
| Kansas | 680 |
| EKentucky | 663 |
| Louisiana | 650 |
| Maine | 689 |
| Maryland | 672 |
| EMassachusetts | 699 |
| EMichigan | 677 |
| Minnesota | 709 |
| Mississippi | 647 |
| EMissouri | 675 |
| Montana | 689 |
| Nebraska | 695 |
| Nevada | 655 |
| ENew Hampshire | 701 |
| Enew Jersey | 686 |
| ENew Mexico | 659 |
| Inew york | 688 |
| North Carolina | 686 |
| North Dakota | 697 |
| EOhio | 678 |
| E Oklahoma | 656 |
| Oregon | 688 |
| Pennsylvania | 687 |
| Rhode Island | 687 |
| South Carolina | 657 |
| EMzantsi Dakota | 700 |
| Tennessee | 662 |
| Utah | 683 |
| EVirginia | 680 |
| Vermont | 702 |
| EWashington | 693 |
| West Virgina | 658 |
| Wisconsion | 696 |
| Wyoming | 678 |
Umthombo: i-Experian |
Iingcebiso zokuphucula amaKhredithi akho
Unokusebenza ekuphuculeni umgangatho wakho wekhredithi kungakhathaliseki ukuba uhlala phi. Ekubeni imbali yokuhlawula iyona nto ibalulekileyo echaphazela amanqaku akho okwekhredithi , ukuhlawula iindleko zakho ngexesha yinto engcono kakhulu ongayenza ukuphucula amanqaku akho. Khangela kwii-akhawunti ezidlulileyo ngenxa yeakhawunti kwaye unakekele ukuqokelela amatyala.
Ncitshiswe inani lekhredithi oyisebenzisayo. Ukuba nezilinganisi eziphezulu zamakhadi zekhredithi nazo ziya kuzisa i-credit score score. Nangona kulula ukuba uhlahlo lwabiwo-mali luhlawule ubuncinci kumakhadi akho ekhredithi inyanga nganye, akuyona into efanelekileyo kakhulu kwikhredithi yakho. Yenza umsebenzi wokuhlawula phantsi izilinganisi zekhadi lakho lesikweletu ukuya ngaphantsi kwe-30% yomda we-credit. Ixabiso eliphantsi lilunge. Ukugcina izikwere zeekredithi eziphantsi kakhulu kuya kunceda ekuphuculeni amanqaku akho.
Faka isicelo sekhredithi entsha njengoko kufuneka.
Nangona ikariti nganye entsha yekhredithi iya kukhwela i-credit yakho kancane, ingozi ngokwenene ekuvula amakhadi amatyala amaninzi ngumngcipheko wokusebenzisa izilinganiso ezinkulu kunye neentlawulo ezingekho. Nciphisa inani lamakhadi-mboleko oyifakelayo.
Jonga umlinganiselo wakho wekhredithi usebenzisa isevisi yekhredithi yekhredithi yamahhala njengeKharma Karma, iSesh Sesame, okanye i-WalletHub. Unokuhlala usesikhathini ngokutshintshwa kwinqanaba lakho lekhredithi kwaye ufunde izinto ezichaphazela umlinganiselo wakho wekhredithi. Kufuneka kwakhona ubuyekeze ingxelo yakho yesikweletu esipheleleyo ngonyaka ngamnye ngokuya kwi-AnnualCreditReport.com. Hlola ingxelo yakho yekhredithi ukuqinisekisa ukuba zonke iinkcukacha zichanekile kwaye ziphikisana nayiphina impazamo kunye ne-bureaus ye-credit. Ingxelo enempilo echanekileyo kunye neyona nto ibalulekileyo ekuphuculeni umlinganiselo wakho wekhredithi.