2021年10月26日 • 7分钟阅读
It’s important to understand 你的信用评分, 如何检查, and how to maintain a good credit score and credit history.
It’s difficult to imagine functioning in today’s world without credit. 是否 买车 or 购买房屋, credit has become an integral part of our everyday lives. Having easy access to credit goes hand in hand with 有良好的信用评分.
Your credit score is based on your past and present credit transactions. The three major credit reporting agencies (益百利, Equifax, and TransUnion) track your credit history and assign you a corresponding credit score, typically using software developed by 公平 Isaac Corporation (FICO).
The most common credit score is your FICO score, a three-digit number with a 范围300-850.
在很大程度上, that depends on the lender and your particular situation. 然而,患有
根据益百利, 在一般情况下, lenders rate your credit desirability based on where your score falls within these ranges:
评级 | 信用评分范围 |
---|---|
异常 | 800-850 |
很好 | 740-799 |
好 | 670-739 |
公平 | 580-669 |
非常贫穷的 | 300-579 |
A number of factors could negatively affect 你的信用评分, including:
Every consumer is entitled to a free credit report (although not access to a credit score) at least once a year from each of the three major credit reporting agencies, 益百利, TransUnion和Equifax. 访问 Annual信贷Report.com for more information and to request your free report. (Some agencies may provide a free report more often than once a year.)了解更多关于 如何查看你的信用评分.
Borrowers with good credit are presumed to be more trustworthy and may find it easier to obtain a loan, 通常利率较低.”
Because a mistake on your credit report can negatively impact 你的信用评分, it’s important to monitor your credit report from each credit reporting agency on a regular basis and make sure all versions are accurate.
If you find an error on your credit report, your first step should be to contact the credit reporting agency, 网上或邮寄都行, to indicate that you are disputing information on your report. The credit reporting agency usually must investigate the dispute within 30 days of receiving it.
When disputing an error with a credit reporting agency, you should also try to resolve the issue with the creditor that submitted the inaccurate information in the first place. If the creditor corrects your information as a result of your dispute, it must notify all three credit reporting agencies to which it provided the inaccurate information.
Having a good credit score is important because most lenders use credit scores to evaluate the creditworthiness of a potential borrower. Borrowers with good credit are presumed to be more trustworthy and may find it easier to obtain a loan, 通常利率较低. 信贷 scores can even be a deciding factor when buying a house or car, renting an apartment or even applying for insurance.
监控你的信用很重要. 了解如何检查你的信用评分, get a free report and what to look for on your credit report from the reporting agencies.
准备好开始建立你的信用? Find out how to build credit with and without a credit card from the experts at Patelco.
你有不良的信用记录吗? No matter the reason, learn how to improve credit from the experts at Patelco.
来源:
Broadridge金融解决方案, 6月14日访问, 2019; FTC, “信用评分s,于2019年6月17日访问; 益百利, “什么是良好的信用评分?,于2019年6月17日访问.