Txhua tus muaj qhab nia credit, thiab ua raws li koj tus kheej yog qhov tseem ceeb. Ntawm no, peb nthuav tawm plaub lub apps pub dawb rau koj lub Android lossis iPhone uas yuav pab koj saib xyuas koj cov qhab nia, cov khoom raug yog thaum tsim nyog, thiab tau txais kev ceeb toom thaum muaj qee yam hloov pauv ntawm koj daim ntawv tshaj tawm.
Equifax thiab TransUnion Cov qhab nia: Credit Karma
- Cov ntsiab lus zoo.
- Muaj peev xwm sib cav los ntawm app.
- Lag hauv kev hloov kho cov qhab nia credit.
- Kev muag khoom ntawm nyiaj txiag hauv lub app.
Credit Karma yog kab tias qhov kev pabcuam paub zoo tshaj plaws rau kev tau txais cov qhab nia qiv dawb dawb los ntawm Equifax thiab TransUnion credit bureaus (Experian yog lwm lub chaw haujlwm loj).
Cov Credit Carma app rau Android thiab iOS muab kev ceeb toom rau txhua qhov kev hloov pauv tseem ceeb rau koj daim ntawv tshabxo nuj nqi, thiab yog tias koj pom qhov yuam kev, koj tuaj yeem ua qhov tsis txaus siab los ntawm Credit Karma app. Lub app kuj tseem muab cov ntsiab lus tseem ceeb ntawm koj cov qhab nia credit, suav nrog cov nyiaj tau los rau hauv koj cov qhab nia.
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TransUnion Score Los Ntawm Peev Ib: CreditWise
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hloov tshiab tsis tu ncua.
- Cov cuab yeej simulation.
- TransUnion xwb.
No app los ntawm Capital One muaj rau txhua tus, tsis yog lub tuam txhab cov neeg siv nyiaj hauv tuam txhab xwb. Nws muab qhov hloov tshiab txhua lub limtiam ntawm koj qhov TransUnion VantageScore 3.0 cov qhab nia credit, thiab nws suav nrog qee qhov nthuav ntxiv xws li credit simulator uas qhia tau tias yuav ua li cas xws li them nuj nqis tuaj yeem cuam tshuam koj cov qhab nia.
Koj tseem yuav tau txais cov lus qhia tus kheej rau kev txhim kho koj cov qhab nia, nrog rau kev ceeb toom kev lag luam-tus qauv rau txhua qhov kev hloov pauv tseem ceeb.
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Experian Credit Score: Experian
- Cov ntsiab lus zoo ntawm credit profile.
- Tsis txhob cuam tshuam nrog kev ceeb toom tsis tu ncua.
- Experian nkaus xwb.
Raws li ib qho ntawm peb lub tuam txhab qiv nyiaj loj uas muab cov ntaub ntawv qiv nyiaj, Experian tau txais txiaj ntsig zoo muaj qhov qhab nia credit app ntawm nws tus kheej. Lub Experian app muab koj cov qhab nia, uas tau hloov kho txhua 30 hnub, ntxiv rau cov ntsiab lus hais txog credit card account, cov nuj nqis tsis txaus, thiab cov teebmeem ntawm koj daim npav rho nyiaj ntawm koj cov qhab nia.
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TransUnion Cov qhab nia thiab Daim Ntawv Tshaj Qhia: Credit Sesame
- tsim tau zoo thiab muaj ntau yam.
- Kev qhia meej.
- Ntau daim npav rho nyiaj.
- Txoj kev sib koom tes tsis paub meej.
Credit Sesame muab saib dawb ntawm koj cov qhab nia credit siv VantageScore qauv los ntawm TransUnion. Koj tseem tau txais daim npav qhia qhab nia credit, nrog cov ntawv qib muab rau keeb kwm kev them nyiaj, kev siv credit, thiab hnub nyoog credit. Koj yuav tau txais cov lus ceeb toom hloov pauv nyiaj ib txwm, ib yam nkaus.
Kuv Lub Hwj Chim Loj Loj muaj peev xwm ua haujlwm ntau npaum li cas credit koj tuaj yeem nkag tau raws li koj cov qhab nia tam sim no thiab cov ntaub ntawv nyiaj txiag. Cov cuab yeej no kuj pom zoo rau daim npav rho nyiaj, tus nqi tsev qiv nyiaj, thiab kev xaiv nyiaj rov qab.
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Credit Score Basics
Koj yuav pom ntau cov peev txheej los pab koj kawm txog qhov suav nrog koj cov qhab nia credit thiab cov lej txhais li cas, tab sis ntawm no yog cov lus qhia ceev:
- Tus qhab nia credit qhia koj qhov creditworthiness rau cov neeg qiv nyiaj xws li cov tsev txhab nyiaj thiab cov qiv nyiaj qiv nyiaj. Nws kuj tseem ua rau lawv lub tswv yim zoo txog kev lav phib xaub uas koj yuav ua nrog them koj cov nyiaj tshuav.
- Credit tau qhab nia ntawm qhov ntsuas ntawm 300 txog 850. Tus lej siab dua yog tus lej qis dua.
- Cov qhab nia siv feem ntau yog qhov qhab nia FICO, tab sis lwm cov qauv muaj, xws li VantageScore.com.
Puas Kuaj Koj Cov qhab nia credit ua mob nws?
Ntau tus neeg ntshai tias kev tshuaj xyuas lawv cov qhab nia credit yuav cuam tshuam tsis zoo rau lawv cov qhab nia credit. Qhov tseeb yog tias kev tshuaj xyuas koj cov qhab nia credit feem ntau suav hais tias yog "mos" nug, txhais tau tias nws tsis tas yuav "nyuaj" rub koj daim ntawv tshabxo nuj nqi.
Cov lus nug nyuaj feem ntau tshwm sim thaum koj thov daim npav rho nyiaj tshiab, qiv, lossis qiv nyiaj. Cov lus nug mos feem ntau tshwm sim thaum koj txheeb xyuas koj tus kheej cov qhab nia, thaum tus tswv haujlwm muaj peev xwm ua daim ntawv txheeb xyuas keeb kwm yav dhau los, lossis thaum koj tau txais kev pom zoo ua ntej rau daim npav rho nyiaj lossis qiv nyiaj.
Credit Karma ua tau txoj haujlwm zoo piav qhia txog kev nug txog credit nyuaj vs. Txawm li cas los xij, koj yuav tsum tau tso siab tias siv cov apps hauv kab lus no yuav tsis cuam tshuam rau koj cov qhab nia credit.
