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of Credit History\uff09\uff0c10%\u7684\u4fe1\u7528\u985e\u578b\uff08Types of Credit\uff09\uff0c10%\u7684\u4fe1\u7528\u8aee\u8a62\uff08Credit Inquiries\uff09\uff0c35%\u7684\u652f\u4ed8\u8a18\u9304\uff08Payment History\uff09\u548c\u50b5\u52d9\u6c34\u5e73\uff08level of debt\uff09\u3002 \u4fe1\u7528\u8a55\u5206\u6eff\u5206850\uff0c\u6839\u64damyfico.com\uff0c\u622a\u6b622014\u5e748\u6708\uff0c\u7f8e\u570b\u7684\u5168\u570b\u5e73\u5747\u4fe1\u7528\u8a55\u5206\u662f692\u5206\u3002\u4f46\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u4e26\u4e0d\u662f\u6240\u6709\u6d89\u53ca\u91d1\u878d\u7684\u8981\u7d20\u90fd\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u6bd4\u5982\u652f\u7968\u8cec\u6236\uff08Checking Account\uff09\u7684\u900f\u652f\u548c\u662f\u5426\u5b9a\u671f\u4ea4\u9084\u6c34\u8cbb\u96fb\u8cbb\u4e26\u4e0d\u6703\u5fc5\u7136\u5f71\u97ff\u5230\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002 2. \u6309\u6642\u9084\u6b3e \u6309\u6642\u9084\u6e05\u6240\u6709\u8cec\u55ae -- \u6ce8\u610f\uff0c\u662f\u300c\u6240\u6709\u300d\uff0c\u56e0\u6b64\u9664\u4e86\u6309\u6642\u9084\u4fe1\u7528\u5361\u548c\u9280\u884c\u8cb8\u6b3e\u5916\uff0c\u6c34\u96fb\u8cbb\u548c\u624b\u6a5f\u8cec\u55ae\u7b49\u4e5f\u4e0d\u53ef\u6020\u6162\u3002\u5118\u7ba1\u6709\u4e9b\u9084\u6b3e\u8a18\u9304\uff08\u6bd4\u5982\u5fd8\u7e73\u7684\u90a3\u5e7e\u5206\u9322\u5716\u66f8\u9928\u7f70\u6b3e\uff09\u4e26\u4e0d\u6703\u88ab\u5f81\u4fe1\u6a5f\u69cb\uff08Credit Bureaus\uff09\u8a18\u9304\u5728\u6848\uff0c\u4f46\u4e0d\u6309\u6642\u9084\u6e05\u7684\u8a71\u9019\u4e9b\u8a18\u9304\u9084\u662f\u6703\u51fa\u73fe\u5728\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u3002 \u56e0\u6b64\uff0c\u7121\u8ad6\u662f\u4ec0\u9ebc\u6b3e\u9805\uff0c\u6309\u6642\u9084\u6e05\u90fd\u662f\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u8a55\u5206\u7684\u4e00\u5927\u6cd5\u5bf6\u3002 3. \u4fdd\u6301\u8f03\u4f4e\u7684\u4fe1\u7528\u5361\u9918\u984d \u4fe1\u7528\u5361\u9918\u984d\uff08Balance\uff09\u8d8a\u9ad8\uff0c\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u5c31\u8d8a\u4f4e\u3002\u6700\u597d\u4f60\u7684\u4fe1\u7528\u5361\u9918\u984d\u80fd\u4fdd\u6301\u5728\u4f60\u7684\u4fe1\u7528\u984d\u5ea6\uff08Credit Limit\uff09\u768430%\u4ee5\u5167\uff0c\u4e5f\u5c31\u662f\u8aaa\u5982\u679c\u4f60\u6709\u6bcf\u6708$1,000\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u9918\u984d\u4e0d\u8d85\u904e$300\u3002 \u5c0d\u5fb5\u4fe1\u6a5f\u69cb\u4f86\u8aaa\uff0c\u9ad8\u9918\u984d\u610f\u5473\u8457\u9ad8\u98a8\u96aa\uff0c\u56e0\u6b64\u5118\u7ba1\u4f60\u6bcf\u6b21\u90fd\u5168\u984d\u9084\u6e05\u7576\u6708\u9918\u984d\uff0c\u767c\u5361\u6a5f\u69cb\u6bcf\u6708\u628a\u4f60\u7684\u9918\u984d\u8cec\u55ae\u4e0a\u4ea4\u5230\u5fb5\u4fe1\u6a5f\u69cb\u6642\uff0c\u8cec\u9762\u4e0a\u7684\u9ad8\u9918\u984d\u9084\u662f\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002 4. \u7ba1\u7406\u597d\u4f60\u7684\u50b5\u52d9 \u4e0d\u50c5\u4fe1\u7528\u5361\u9918\u984d\uff0c\u8cb8\u6b3e\u9918\u984d\u548c\u4fe1\u7528\u984d\u5ea6\u540c\u6a23\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002\u592a\u591a\u50b5\u6b3e\u6703\u8b93\u9280\u884c\u61f7\u7591\u4f60\u7684\u511f\u9084\u80fd\u529b\uff0c\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u4e5f\u6703\u56e0\u6b64\u53d7\u5f71\u97ff\u3002 5. \u4e0d\u8981\u95dc\u6389\u4f60\u820a\u7684\u4fe1\u7528\u5361 \u7576\u4f60\u95dc\u6389\u4e00\u5f35\u4e0d\u518d\u7528\u6216\u5df2\u6975\u5c11\u4f7f\u7528\u7684\u4fe1\u7528\u5361\uff0c\u767c\u5361\u6a5f\u69cb\u5c31\u6703\u505c\u6b62\u5411\u5fb5\u4fe1\u6a5f\u69cb\u767c\u9001\u6578\u64da\u5831\u544a\uff0c\u540c\u6642\u4f60\u95dc\u6389\u7684\u4fe1\u7528\u5361\u5728\u4f60\u7684\u4fe1\u7528\u8a55\u6e2c\u904e\u7a0b\u4e2d\u7684\u6bd4\u91cd\u4e5f\u6703\u5927\u5927\u6e1b\u5c11\u3002\u5927\u698210\u5e74\u5f8c\uff0c\u5fb5\u4fe1\u6a5f\u69cb\u5c31\u6703\u628a\u4f60\u9019\u5f35\u505c\u7528\u4fe1\u7528\u5361\u7684\u6b77\u53f2\u8a18\u9304\u5f9e\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u79fb\u9664\u3002 \u554f\u984c\u5728\u65bc\uff0c\u5982\u679c\u4f60\u95dc\u6389\u7684\u9019\u5f35\u4fe1\u7528\u5361\u4f7f\u7528\u6b77\u53f2\u6bd4\u8f03\u9577\uff0c\u88ab\u79fb\u9664\u540e\u4f60\u7684\u5e73\u5747\u4fe1\u7528\u5e74\u9f61\uff08Credit Age\uff09\u5c31\u6703\u7e2e\u77ed\uff0c\u56e0\u800c\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u4e5f\u6703\u4e0b\u964d\u3002 6. \u9650\u5236\u4f60\u7533\u8acb\u65b0\u5361\u7684\u6578\u91cf \u6bcf\u7533\u8acb\u4e00\u5f35\u65b0\u4fe1\u7528\u5361\u90fd\u6703\u6d88\u8017\u6389\u4f60\u4e00\u5c0f\u90e8\u4efd\u7684\u4fe1\u7528\u8a55\u5206\u3002\u96d6\u7136\u4fe1\u7528\u8aee\u8a62\uff08Credit Inquiries\uff09\u53ea\u4f54\u4fe1\u7528\u8a55\u5206\u768410%\uff0c\u4f46\u5047\u8a2d\u4f60\u6709\u8f03\u9ad8\u7684\u8a55\u5206\uff08800\u5206\uff09\uff0c10%\u4e5f\u53ef\u4ee5\u662f\u4e00\u500b\u9f90\u5927\u6578\u984d\uff08800 x 10% = 80\uff09\u3002\u800c\u4e14\u6bcf\u958b\u4e00\u5f35\u65b0\u5361\uff0c\u4f60\u7684\u5e73\u5747\u4fe1\u7528\u5e74\u9f61\uff08\u5360\u8a55\u520615%\uff09\u5c31\u6703\u76f8\u61c9\u7e2e\u77ed\u3002 \u56e0\u6b64\u70ba\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u8a55\u5206\uff0c\u6700\u597d\u4e0d\u8981\u5728\u77ed\u671f\u5167\u7533\u8acb\u591a\u5f35\u4fe1\u7528\u5361\u3002 7.\u2026","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/CREDIT-SCORE.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/CREDIT-SCORE.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/06\/CREDIT-SCORE.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":167442,"url":"https:\/\/newsforchinese.com\/v3\/2019\/02\/16\/%e7%81%a3%e5%8d%80%e5%b1%85%e6%b0%91%e4%bf%a1%e7%94%a8%e8%a9%95%e5%88%86%e8%a1%a8%e7%8f%be%e8%89%af%e5%a5%bd\/","url_meta":{"origin":277728,"position":2},"title":"\u7063\u5340\u5c45\u6c11\u4fe1\u7528\u8a55\u5206\u8868\u73fe\u826f\u597d","author":"Yingying","date":"February 16, 2019","format":false,"excerpt":"\u6709\u4e00\u500b\u597d\u7684\u4fe1\u7528\u8a55\u5206\u53ef\u4ee5\u5e6b\u52a9\u964d\u4f4e\u4fe1\u7528\u5361\u5229\u7387\uff0c\u4f7f\u7372\u5f97\u8cb8\u6b3e\u6279\u51c6\u66f4\u52a0\u5bb9\u6613\u3002\u5b83\u751a\u81f3\u53ef\u4ee5\u5e6b\u52a9\u4f60\u627e\u5230\u5de5\u4f5c\u3002 \u6839\u64da\u500b\u4eba\u7406\u8ca1\u7db2\u7ad9WalletHub\uff0c\u5118\u7ba1\u662f\u5168\u7f8e\u6700\u6602\u8cb4\u4f4f\u623f\u5e02\u5834\u4e4b\u4e00\uff0c\u751f\u6d3b\u6210\u672c\u4e5f\u5728\u4e0d\u65b7\u589e\u52a0\uff0c\u4f46\u7063\u5340\u57ce\u5e02\u5c45\u6c11\u5728\u5168\u570b\u6700\u597d\u4fe1\u7528\u8a55\u5206\u4e2d\u503c\u6392\u540d\u4e0a\u8868\u73fe\u5f88\u597d\u3002 San Francisco\u5728\u5927\u57ce\u5e02\u6392\u540d\u4e2d\u52c7\u596a\u7b2c1\uff0c\u4fe1\u7528\u8a55\u5206\u4e2d\u503c\u70ba745\u5206\uff1bSan Jose\u6392\u5728\u7b2c4\uff0c\u5206\u6578\u70ba730\u5206\u3002Oakland\u5728\u64c1\u670930\u842c\u4ee5\u4e0a\u5c45\u6c11\u57ce\u5e02\u4e2d\u6392\u7b2c18\u4f4d\uff0c\u5206\u6578\u70ba686\u5206\u3002 \u9019\u9805\u6392\u540d\u57fa\u65bcTransUnion\u5f97\u5206\u3002\u8a72\u5f97\u5206\u5f9e300\u5206\u5230850\u5206\u4e0d\u7b49\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u9ad8\u65bc660\u5206\u88ab\u8a8d\u70ba\u662f\u826f\u597d\uff0c\u9ad8\u65bc780\u5206\u88ab\u8a8d\u70ba\u662f\u51fa\u8272\u3002 \u5728\u4e2d\u7b49\u898f\u6a21\u57ce\u5e02\u4e2d\uff0cSunnyvale\u4f4d\u5c45\u5168\u570b\u7b2c2\uff0c\u4fe1\u7528\u5f97\u5206\u4e2d\u503c\u70ba755\u5206\u3002\u6392\u540d\u7b2c1\u7684\u662f\u79d1\u7f85\u62c9\u591a\u5ddeHighlands Ranch(\u4e39\u4f5b\u5357)\uff0c\u4fe1\u7528\u8a55\u5206\u4e2d\u503c\u70ba761\u5206\u3002Fremont\u540d\u5217\u7b2c5\uff0c\u5206\u6578\u70ba754\u5206\u3002\u5176\u4ed6\u9760\u8fd1\u9802\u90e8\u7684\u4e2d\u578b\u7063\u5340\u57ce\u5e02\u5206\u5225\u662fSan Mateo\u548cSanta 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