{"id":286864,"date":"2025-12-07T06:07:00","date_gmt":"2025-12-07T14:07:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=286864"},"modified":"2025-12-03T20:29:39","modified_gmt":"2025-12-04T04:29:39","slug":"%e8%b2%a1%e5%8b%99%e5%9f%ba%e7%9f%b3%ef%bc%9a%e4%bf%a1%e7%94%a8%e8%a9%95%e5%88%86%e8%88%87%e5%82%b5%e5%8b%99%e8%b2%ac%e4%bb%bb","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2025\/12\/07\/%e8%b2%a1%e5%8b%99%e5%9f%ba%e7%9f%b3%ef%bc%9a%e4%bf%a1%e7%94%a8%e8%a9%95%e5%88%86%e8%88%87%e5%82%b5%e5%8b%99%e8%b2%ac%e4%bb%bb\/","title":{"rendered":"\u8ca1\u52d9\u57fa\u77f3\uff1a\u4fe1\u7528\u8a55\u5206\u8207\u50b5\u52d9\u8cac\u4efb"},"content":{"rendered":"\n<p>\u4fe1\u7528\u8a55\u5206\u8207\u50b5\u52d9\u6cd5\u5f8b\u8cac\u4efb\uff1a\u60a8\u5fc5\u9808\u4e86\u89e3\u7684\u8ca1\u52d9\u57fa\u77f3\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u5728\u73fe\u4ee3\u793e\u6703\u4e2d\uff0c\u300c\u4fe1\u7528\u300d\u4e0d\u518d\u50c5\u662f\u9053\u5fb7\u4e0a\u7684\u627f\u8afe\uff0c\u5b83\u88ab\u91cf\u5316\u70ba\u4e00\u500b\u95dc\u9375\u6578\u5b57\u2014\u2014\u4fe1\u7528\u8a55\u5206\uff08Credit Score\uff09\u3002\u9019\u500b\u5206\u6578\u5982\u540c\u60a8\u7684\u8ca1\u52d9\u8eab\u4efd\u8b49\uff0c\u6df1\u523b\u5f71\u97ff\u8457\u60a8\u751f\u6d3b\u4e2d\u7684\u6bcf\u4e00\u500b\u7d93\u6fdf\u6c7a\u7b56\uff0c\u5f9e\u80fd\u5426\u6210\u529f\u7533\u8fa6\u8cb8\u6b3e\uff0c\u5230\u7372\u5f97\u7406\u60f3\u7684\u79df\u5c4b\u6216\u5de5\u4f5c\u6a5f\u6703\u3002\u540c\u6642\uff0c\u4f34\u96a8\u8457\u4fe1\u7528\u800c\u4f86\u7684\uff0c\u662f\u5c0d\u50b5\u52d9\u7684\u6cd5\u5f8b\u8cac\u4efb\uff0c\u7279\u5225\u662f\u5728\u9055\u7d04\u5f8c\u7684\u56b4\u91cd\u5f8c\u679c\uff0c\u5982\u50ac\u6536\uff08Collection\uff09\u8207\u6cd5\u5f8b\u8a34\u8a1f\u3002<\/p>\n\n\n\n<p>\u4fe1\u7528\u8a55\u5206\u662f\u4e00\u500b\u4e09\u4f4d\u6578\u7684\u6578\u5b57\uff0c\u7528\u4f86\u8a55\u4f30\u60a8\u511f\u9084\u50b5\u52d9\u7684\u53ef\u80fd\u6027\uff0c\u662f\u91d1\u878d\u6a5f\u69cb\u548c\u6f5b\u5728\u50f1\u4e3b\u5224\u65b7\u60a8\u53ef\u4fe1\u5ea6\u7684\u91cd\u8981\u4f9d\u64da\u3002<\/p>\n\n\n\n<p><strong>\u4fe1\u7528\u5206\u6578\u7684\u5f71\u97ff\u529b<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u9ad8\u4f4e\uff0c\u76f4\u63a5\u6c7a\u5b9a\u4e86\u60a8\u5728\u7d93\u6fdf\u751f\u6d3b\u4e2d\u7684\u5f85\u9047\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8cb8\u6b3e\u8207\u5229\u7387\uff08Loans and Interest Rates\uff09\uff1a\n<ul class=\"wp-block-list\">\n<li>\u9ad8\u5206\uff1a \u610f\u5473\u8457\u4f4e\u98a8\u96aa\uff0c\u9280\u884c\u9858\u610f\u63d0\u4f9b\u66f4\u512a\u60e0\u7684\u4f4e\u5229\u7387\u3001\u66f4\u9ad8\u7684\u984d\u5ea6\u53ca\u66f4\u9748\u6d3b\u7684\u9084\u6b3e\u689d\u4ef6\u3002<\/li>\n\n\n\n<li>\u4f4e\u5206\uff1a \u610f\u5473\u8457\u9ad8\u98a8\u96aa\uff0c\u60a8\u53ef\u80fd\u88ab\u62d2\u7d55\u8cb8\u6b3e\uff0c\u5373\u4f7f\u7372\u6279\uff0c\u4e5f\u9700\u652f\u4ed8\u9ad8\u6602\u7684\u5229\u7387\uff0c\u5927\u5e45\u589e\u52a0\u60a8\u7684\u7e3d\u9084\u6b3e\u6210\u672c\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u79df\u5c4b\uff08Rental Applications\uff09\uff1a \u8a31\u591a\u623f\u6771\u6216\u79df\u8cc3\u516c\u53f8\u6703\u67e5\u95b1\u7533\u8acb\u4eba\u7684\u4fe1\u7528\u5831\u544a\uff0c\u4ee5\u8a55\u4f30\u5176\u662f\u5426\u6709\u80fd\u529b\u6309\u6642\u652f\u4ed8\u79df\u91d1\u3002\u4e0d\u826f\u7684\u4fe1\u7528\u8a18\u9304\u53ef\u80fd\u5c0e\u81f4\u60a8\u932f\u5931\u5fc3\u5100\u7684\u79df\u5c4b\u6a5f\u6703\u3002<\/li>\n\n\n\n<li>\u4fdd\u96aa\u8cbb\uff08Insurance Premiums\uff09\uff1a \u5728\u67d0\u4e9b\u5730\u5340\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u53c3\u8003\u4fe1\u7528\u8a55\u5206\u4f86\u6c7a\u5b9a\u4fdd\u8cbb\u50f9\u683c\u3002\u4fe1\u7528\u826f\u597d\u7684\u4eba\u5f80\u5f80\u80fd\u7372\u5f97\u8f03\u4f4e\u7684\u6c7d\u8eca\u6216\u623f\u5c4b\u4fdd\u96aa\u8cbb\u7528\u3002<\/li>\n\n\n\n<li>\u5de5\u4f5c\u6a5f\u6703\uff08Employment Opportunities\uff09\uff1a \u90e8\u5206\u884c\u696d\uff0c\u7279\u5225\u662f\u6d89\u53ca\u8ca1\u52d9\u3001\u5b89\u5168\u6216\u7ba1\u7406\u8077\u4f4d\u7684\u516c\u53f8\uff0c\u6703\u9032\u884c\u80cc\u666f\u8abf\u67e5\uff0c\u5176\u4e2d\u53ef\u80fd\u5305\u542b\u5be9\u6838\u60a8\u7684\u4fe1\u7528\u5831\u544a\u3002\u96d6\u7136\u4ed6\u5011\u770b\u4e0d\u5230\u5206\u6578\u672c\u8eab\uff0c\u4f46\u4e0d\u826f\u7684\u8ca1\u52d9\u8a18\u9304\u53ef\u80fd\u6703\u88ab\u8996\u70ba\u7f3a\u4e4f\u8cac\u4efb\u611f\u6216\u5b58\u5728\u6f5b\u5728\u98a8\u96aa\u7684\u8a0a\u865f\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u7576\u60a8\u672a\u80fd\u6309\u7167\u5408\u7d04\u898f\u5b9a\u511f\u9084\u50b5\u52d9\u6642\uff0c\u5373\u69cb\u6210\u50b5\u52d9\u9055\u7d04\uff08Default\uff09\u3002\u6b64\u6642\uff0c\u60a8\u5c07\u9762\u81e8\u4e00\u7cfb\u5217\u56b4\u91cd\u7684\u6cd5\u5f8b\u548c\u8ca1\u52d9\u5f8c\u679c\u3002<\/p>\n\n\n\n<p><strong>\u50ac\u6536\uff08<\/strong><strong>Collection<\/strong><strong>\uff09\u8207\u8a34\u8a1f\u98a8\u96aa<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u4e00\u65e6\u60a8\u9055\u7d04\uff0c\u50b5\u6b0a\u4eba\u901a\u5e38\u6703\u63a1\u53d6\u4ee5\u4e0b\u884c\u52d5\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u5167\u90e8\u50ac\u6536\uff1a \u50b5\u6b0a\u4eba\u6703\u5148\u900f\u904e\u4fe1\u4ef6\u3001\u96fb\u8a71\u6216\u96fb\u5b50\u90f5\u4ef6\u806f\u7e6b\u60a8\uff0c\u8a66\u5716\u8ffd\u56de\u6b20\u6b3e\u3002<\/li>\n\n\n\n<li>\u8f49\u4ea4\u6216\u51fa\u552e\u7d66\u50ac\u6536\u6a5f\u69cb\uff1a \u5982\u679c\u5167\u90e8\u50ac\u6536\u7121\u6548\uff0c\u50b5\u6b0a\u4eba\u53ef\u80fd\u6703\u5c07\u50b5\u52d9\u8f49\u4ea4\u7d66\u5c08\u696d\u7684\u50ac\u6536\u6a5f\u69cb\uff08Collection Agency\uff09\uff0c\u6216\u5c07\u50b5\u52d9\u4ee5\u6298\u6263\u50f9\u51fa\u552e\u7d66\u4ed6\u5011\u3002\n<ul class=\"wp-block-list\">\n<li>\u6cd5\u5f8b\u7fa9\u52d9\uff1a \u50ac\u6536\u6a5f\u69cb\u5fc5\u9808\u9075\u5b88\u76f8\u95dc\u7684\u6d88\u8cbb\u8005\u4fdd\u8b77\u6cd5\u5f8b\uff08\u4f8b\u5982\u5728\u7f8e\u570b\u6709\u300a\u516c\u5e73\u50b5\u52d9\u50ac\u6536\u898f\u7bc4\u6cd5\u300b\uff0cFair Debt Collection Practices Act\uff09\uff0c\u4e0d\u80fd\u9032\u884c\u9a37\u64fe\u3001\u5a01\u8105\u6216\u6b3a\u9a19\u884c\u70ba\u3002\u4f46\u4ed6\u5011\u6703\u7a4d\u6975\u5730\u5411\u60a8\u7d22\u53d6\u6b20\u6b3e\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u4fe1\u7528\u5831\u544a\u7684\u50b7\u5bb3\uff1a \u6b20\u6b3e\u4e00\u65e6\u9032\u5165\u50ac\u6536\u968e\u6bb5\uff0c\u5c07\u6703\u5728\u60a8\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u7559\u4e0b\u56b4\u91cd\u4e14\u9577\u671f\u7684\u8ca0\u9762\u8a18\u9304\uff0c\u901a\u5e38\u6703\u505c\u75597\u5e74\u4e4b\u4e45\uff0c\u5c0d\u60a8\u7684\u4fe1\u7528\u5206\u6578\u9020\u6210\u6bc0\u6ec5\u6027\u7684\u6253\u64ca\u3002<\/li>\n<\/ol>\n\n\n\n<p><strong>\u6cd5\u5f8b\u8a34\u8a1f\u8207\u5f37\u5236\u57f7\u884c<\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u50ac\u6536\u6a5f\u69cb\u6216\u50b5\u6b0a\u4eba\u7121\u6cd5\u900f\u904e\u6e9d\u901a\u6536\u56de\u6b20\u6b3e\uff0c\u4ed6\u5011\u53ef\u80fd\u63a1\u53d6\u6700\u5f8c\u7684\u624b\u6bb5\uff1a\u63d0\u8d77\u6cd5\u5f8b\u8a34\u8a1f\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7372\u5f97\u5224\u6c7a\uff08Judgment\uff09\uff1a \u5982\u679c\u50b5\u6b0a\u4eba\u52dd\u8a34\uff0c\u6cd5\u9662\u6703\u767c\u51fa\u4e00\u500b\u5224\u6c7a\uff08Court Judgment\uff09\uff0c\u6b63\u5f0f\u78ba\u8a8d\u60a8\u6b20\u4e0b\u50b5\u52d9\u3002<\/li>\n\n\n\n<li>\u5f37\u5236\u57f7\u884c\uff1a \u6191\u85c9\u9019\u500b\u5224\u6c7a\uff0c\u50b5\u6b0a\u4eba\u6709\u6b0a\u63a1\u53d6\u6cd5\u5f8b\u5141\u8a31\u7684\u5f37\u5236\u63aa\u65bd\u4f86\u6536\u56de\u6b20\u6b3e\uff0c\u5305\u62ec\uff1a\n<ul class=\"wp-block-list\">\n<li>\u5de5\u8cc7\u6263\u62bc\uff08Wage Garnishment\uff09\uff1a \u6cd5\u9662\u547d\u4ee4\u60a8\u7684\u50f1\u4e3b\u5f9e\u60a8\u7684\u85aa\u6c34\u4e2d\u6263\u9664\u4e00\u5b9a\u6bd4\u4f8b\u4f86\u511f\u9084\u50b5\u52d9\u3002<\/li>\n\n\n\n<li>\u9280\u884c\u5e33\u6236\u6263\u62bc\uff08Bank Levy\uff09\uff1a \u51cd\u7d50\u4e26\u5f9e\u60a8\u7684\u9280\u884c\u5e33\u6236\u4e2d\u63d0\u53d6\u8cc7\u91d1\u3002<\/li>\n\n\n\n<li>\u7559\u7f6e\u6b0a\uff08Lien\uff09\uff1a \u5c0d\u60a8\u7684\u623f\u7522\u6216\u5176\u4ed6\u8cc7\u7522\u8a2d\u5b9a\u7559\u7f6e\u6b0a\uff0c\u82e5\u60a8\u51fa\u552e\u8cc7\u7522\uff0c\u9700\u512a\u5148\u511f\u9084\u50b5\u52d9\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>\u50b5\u52d9\u6e05\u511f\u8207\u6642\u6548\u6027<\/p>\n\n\n\n<p>\u8acb\u52d9\u5fc5\u4e86\u89e3\uff0c\u5373\u4f7f\u60a8\u6e05\u511f\u4e86\u50ac\u6536\u4e2d\u7684\u50b5\u52d9\uff0c\u8a72\u7b46\u50ac\u6536\u8a18\u9304\u4ecd\u7136\u6703\u5728\u4fe1\u7528\u5831\u544a\u4e0a\u4fdd\u7559\u4e00\u6bb5\u6642\u9593\u3002\u6b64\u5916\uff0c\u6bcf\u7a2e\u50b5\u52d9\u90fd\u6709\u8a34\u8a1f\u6642\u6548\u671f\uff08Statute of Limitations\uff09\u3002\u904e\u4e86\u9019\u500b\u671f\u9650\uff0c\u50b5\u6b0a\u4eba\u5c31\u4e0d\u80fd\u900f\u904e\u6cd5\u9662\u8a34\u8a1f\u5f37\u5236\u8ffd\u8a0e\u50b5\u52d9\uff0c\u4f46\u6b20\u6b3e\u672c\u8eab\u4e0d\u6703\u6d88\u5931\uff0c\u50ac\u6536\u6a5f\u69cb\u4ecd\u53ef\u5617\u8a66\u4ee5\u975e\u6cd5\u5f8b\u9014\u5f91\u8ffd\u8a0e\u3002<\/p>\n\n\n\n<p>\u7dad\u8b77\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u662f\u5efa\u7acb\u7a69\u5065\u8ca1\u52d9\u751f\u6d3b\u7684\u57fa\u77f3\u3002\u4e86\u89e3\u4fe1\u7528\u8a55\u5206\u7684\u91cd\u8981\u6027\u4ee5\u53ca\u50b5\u52d9\u9055\u7d04\u7684\u6cd5\u5f8b\u5f8c\u679c\uff0c\u80fd\u5e6b\u52a9\u60a8\u505a\u51fa\u660e\u667a\u7684\u8ca1\u52d9\u6c7a\u7b56\u3002<\/p>\n\n\n\n<p>\u884c\u52d5\u5efa\u8b70\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u6309\u6642\u8db3\u984d\u4ed8\u6b3e\uff1a \u9019\u662f\u7dad\u6301\u826f\u597d\u4fe1\u7528\u7684\u9ec3\u91d1\u6cd5\u5247\u3002<\/li>\n\n\n\n<li>\u63a7\u5236\u50b5\u52d9\u7e3d\u984d\uff1a \u4fdd\u6301\u4f4e\u4fe1\u8cb8\u4f7f\u7528\u7387\uff08Credit Utilization Ratio\uff09\u3002<\/li>\n\n\n\n<li>\u5b9a\u671f\u5be9\u67e5\u4fe1\u7528\u5831\u544a\uff1a \u78ba\u4fdd\u6240\u6709\u8cc7\u8a0a\u6e96\u78ba\u7121\u8aa4\uff0c\u4e26\u53ca\u6642\u7cfe\u6b63\u4efb\u4f55\u932f\u8aa4\u3002<\/li>\n\n\n\n<li>\u7a4d\u6975\u61c9\u5c0d\u50b5\u52d9\u554f\u984c\uff1a 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Mutual\u202f\u5e6b\u52a9\u5bb6\u5ead\u548c\u4f01\u696d\u9054\u6210\u8ca1\u52d9\u4fdd\u969c\u5df2\u6709\u8d85\u904e160\u5e74\u6b77\u53f2\u3002\u901a\u904e\u6574\u9ad4\u6027\u7684\u898f\u5283\u65b9\u5f0f\uff0cNorthwestern Mutual \u7d50\u5408\u5c08\u696d\u7406\u8ca1\u9867\u554f\u7684\u5c08\u9577\u3001\u500b\u4eba\u5316\u7684\u6578\u4f4d\u9ad4\u9a57\u3001\u548c\u9818\u5148\u696d\u754c\u7684\u7522\u54c1\uff0c\u5354\u52a9\u5ba2\u6236\u898f\u5283\u6700\u91cd\u8981\u7684\u4e8b\u52d9\u3002\u7e3d\u8cc7\u75222903\u5104\u7f8e\u5143\uff0c\u6536\u5165299\u5104\u7f8e\u5143\uff0c\u548c\u50f9\u503c\u8d85\u904e1\u842c9000\u5104\u7684\u6709\u6548\u4eba\u58fd\u4fdd\u96aa\u4fdd\u8b77\uff0cNorthwestern Mutual\u70ba\u8d85\u904e460\u842c\u4f9d\u8cf4\u672c\u516c\u53f8\u7684\u58fd\u96aa\u3001\u6b98\u75be\u6536\u5165\u548c\u9577\u671f\u7167\u8b77\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u4e2d\u4ecb\u548c\u9867\u554f\u670d\u52d9\u7684\u6c11\u773e\u63d0\u4f9b\u8ca1\u52d9\u4fdd\u969c\u3002\u672c\u516c\u53f8\u901a\u904e\u8ca1\u52d9\u7ba1\u7406\u548c\u6295\u8cc7\u670d\u52d9\u70ba\u5ba2\u6236\u7ba1\u7406\u7e3d\u984d\u8d85\u904e1610\u5104\u7f8e\u5143\u7684\u8cc7\u7522\u3002Northwestern Mutual\u57282019\u8ca1\u5bcc\u96dc\u8a8c500\u5927\uff08FORTUNE 500\uff09\u516c\u53f8\u4e2d\u540d\u5217111\uff0c\u7372\u8ca1\u5bcc\u96dc\u8a8c\uff08FORTUNE\u00ae\uff09\u8a8d\u53ef\u70ba2020\u5e74\u201c\u5168\u7403\u6700\u53d7\u611b\u6234\u201d\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u4e4b\u4e00\u3002Northwestern Mutual\u4e5f\u7372\u5f97J.D. 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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":294306,"url":"https:\/\/newsforchinese.com\/v3\/2026\/04\/26\/%e8%a7%a3%e6%9e%90%e7%be%8e%e5%9c%8b%e7%a0%b4%e7%94%a2%e6%b3%95chapter-7-%e8%88%8713\/","url_meta":{"origin":286864,"position":3},"title":"\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u820713","author":"Raymond","date":"April 26, 2026","format":false,"excerpt":"\u8ca1\u52d9\u56f0\u5883\u4e0b\u7684\u91cd\u555f\u4e4b\u9580\uff1a\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5Chapter 7 \u8207Chapter 13\u3002 \u5728\u5145\u6eff\u8b8a\u6578\u7684\u7d93\u6fdf\u74b0\u5883\u4e2d\uff0c\u500b\u4eba\u6216\u5bb6\u5ead\u6709\u6642\u6703\u9677\u5165\u96e3\u4ee5\u8ca0\u8377\u7684\u50b5\u52d9\u6ce5\u6cbc\u3002\u7f8e\u570b\u806f\u90a6\u7834\u7522\u6cd5\uff08Bankruptcy Code\uff09\u63d0\u4f9b\u4e86\u4e00\u7a2e\u6cd5\u5f8b\u6a5f\u5236\uff0c\u65e8\u5728\u8b93\u8aa0\u5be6\u4f46\u9677\u5165\u56f0\u5883\u7684\u50b5\u52d9\u4eba\u7372\u5f97\u300c\u91cd\u65b0\u958b\u59cb\u300d\uff08Fresh Start\uff09\u7684\u6a5f\u6703\u3002\u5728\u500b\u4eba\u7834\u7522\u7533\u8acb\u4e2d\uff0c\u6700\u5e38\u898b\u7684\u5169\u7a2e\u5f62\u5f0f\u5206\u5225\u662f Chapter 7\uff08\u6e05\u7b97\u7834\u7522\uff09 \u8207 Chapter 13\uff08\u50b5\u52d9\u91cd\u6574\uff09\u3002\u7406\u89e3\u5169\u8005\u7684\u672c\u8cea\u5dee\u7570\u3001\u7533\u8acb\u6642\u6a5f\u53ca\u5176\u5c0d\u4fe1\u7528\u7684\u9577\u9060\u5f71\u97ff\uff0c\u662f\u505a\u51fa\u8ca1\u52d9\u6c7a\u7b56\u7684\u95dc\u9375\u3002 \u4e00\u3001 Chapter 7 \u8207 Chapter 13 \u7684\u6838\u5fc3\u5dee\u7570 1. Chapter 7\uff1a\u8cc7\u7522\u6e05\u7b97\u8207\u50b5\u52d9\u514d\u9664 Chapter 7 \u901a\u5e38\u88ab\u7a31\u70ba\u300c\u6e05\u7b97\u7834\u7522\u300d\u3002\u5176\u904e\u7a0b\u662f\u7531\u6cd5\u9662\u6307\u5b9a\u7684\u4fe1\u8a17\u4eba\uff08Trustee\uff09\u6536\u96c6\u50b5\u52d9\u4eba\u7684\u300c\u975e\u8c41\u514d\u8cc7\u7522\u300d\uff08\u5982\u7b2c\u4e8c\u5957\u623f\u7522\u3001\u6602\u8cb4\u73e0\u5bf6\u7b49\uff09\uff0c\u5c07\u5176\u8b8a\u73fe\u4ee5\u511f\u9084\u50b5\u6b0a\u4eba\u3002\u7136\u800c\uff0c\u5927\u591a\u6578\u7533\u8acb\u8005\u80fd\u900f\u904e\u5404\u5dde\u6216\u806f\u90a6\u7684\u8c41\u514d\u689d\u6b3e\u4fdd\u7559\u57fa\u672c\u751f\u6d3b\u7269\u8cc7\uff08\u5982\u4e3b\u8981\u4f4f\u6240\u7684\u90e8\u5206\u6b0a\u76ca\u3001\u5ec9\u50f9\u6c7d\u8eca\u53ca\u751f\u6d3b\u5fc5\u9700\u54c1\uff09\u3002 \u512a\u9ede\uff1a\u6d41\u7a0b\u6975\u5feb\uff08\u901a\u5e38 3 \u81f3 6 \u500b\u6708\u5373\u53ef\u7d50\u6848\uff09\uff0c\u4e14\u5927\u90e8\u5206\u7121\u64d4\u4fdd\u50b5\u52d9\uff08\u5982\u4fe1\u7528\u5361\u3001\u91ab\u7642\u5e33\u55ae\uff09\u53ef\u88ab\u5b8c\u5168\u62b9\u9664\u3002 \u9650\u5236\uff1a\u7533\u8acb\u4eba\u5fc5\u9808\u901a\u904e\u300c\u6536\u5165\u6e2c\u8a66\u300d\uff08Means Test\uff09\uff0c\u8b49\u660e\u5176\u6536\u5165\u4f4e\u65bc\u5dde\u5e73\u5747\u6c34\u5e73\u6216\u7121\u529b\u652f\u4ed8\u57fa\u672c\u751f\u6d3b\u958b\u652f\u3002 2. Chapter 13\uff1a\u6536\u5165\u4fdd\u969c\u8207\u9084\u6b3e\u8a08\u756b Chapter 13 \u88ab\u7a31\u70ba\u300c\u5de5\u85aa\u65cf\u8a08\u756b\u300d\u3002\u5b83\u4e0d\u8981\u6c42\u6e05\u7b97\u8cc7\u7522\uff0c\u800c\u662f\u5141\u8a31\u50b5\u52d9\u4eba\u5229\u7528\u672a\u4f86 3 \u81f3 5 \u5e74\u7684\u6536\u5165\u5236\u5b9a\u9084\u6b3e\u8a08\u756b\u3002 \u512a\u9ede\uff1a\u53ef\u4ee5\u4fdd\u8b77\u4f4f\u623f\u514d\u65bc\u6cd5\u62cd\uff08\u900f\u904e\u88dc\u9f4a\u903e\u671f\u623f\u8cb8\uff09\uff0c\u4e14\u80fd\u4fdd\u7559\u6240\u6709\u8ca1\u7522\u3002 \u9650\u5236\uff1a\u7533\u8acb\u4eba\u5fc5\u9808\u6709\u7a69\u5b9a\u6536\u5165\uff0c\u4e14\u7e3d\u50b5\u52d9\u984d\uff08\u6709\u64d4\u4fdd\u8207\u7121\u64d4\u4fdd\uff09\u9700\u5728\u6cd5\u5f8b\u898f\u5b9a\u7684\u9650\u984d\u5167\u3002\u9019\u662f\u4e00\u7a2e\u300c\u9084\u50b5\u8a08\u756b\u300d\uff0c\u800c\u975e\u76f4\u63a5\u62b9\u9664\u3002 \u4e8c\u3001 \u4f55\u6642\u662f\u7533\u8acb\u7834\u7522\u4fdd\u8b77\u7684\u6b63\u78ba\u6642\u6a5f\uff1f 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