n*******4
发帖数: 6402 | 1 最近注册了creditkeeper,详细阅读自己的信用报告和分数.并对报告中的一些建议增加
自己的思考.
You applied for credit 3 time(s) in the past 12 months, as recorded in this
credit report. Mortgage and auto loan applications within the last 30 days
are not counted. Prior to this 30-day window, all mortgage applications
within a short period (14 or 45 days, depending on the bureau) count as a
single application. This is also true of applications for auto loans. [ Less
]
This lowers your score. Applying for multiple credit accounts within a short
period of time can lower your credit scores. When you apply for any type of
credit (such as an auto loan, credit card, department store card, or
mortgage), the lender considering your credit application checks your credit
history. This is recorded in your credit reports as a "hard inquiry."
Although inquiries are an unavoidable result of applying for credit, lenders
dislike seeing too many inquiries within a short period of time (such as 12
months) because they cannot tell whether you are "shopping" for the best
offer or if you are desperately trying to obtain credit because of financial
trouble.
The credit records used to calculate this factor are listed here.
似乎表明,集中申卡比分散在不同时间段申卡要好.
Credit history
. Accounts that were opened 40
or more years ago are considered best. On the other hand, if your oldest
account was opened up to 7 years ago, your credit history may be considered
short, and less than 3 years ago is often considered too little.
对于没用的信用卡,如果开卡早,有没有年费,最好不要关卡.
# Payment history
You have never been late with your payments, and no collection accounts or
negative public records are listed in your credit report. [ Less ]
This raises your score. Any history of late payments (including missed
payments and derogatory payment statuses) is a negative factor. Some cases
of late payments are worse than others. If you have not been late with any
payments recently, lenders may think you are responsible and do not (or will
no longer) miss payments. Lenders realize that many people occasionally pay
late. Therefore, being late with a single payment is typically not as
harmful as being late with two or more consecutive payments. Similarly,
being late on many accounts is typically worse than being late on just one.
Also, lenders may view late payments as a more serious problem if you have
collection accounts or negative public records such as bankruptcies or court
judgments. These types of credit records indicate a pattern of credit
problems. Finally, it may not be as harmful to be late with your payments if
the past due amounts are small, because lenders stand to lose less money if
they remain unpaid.
Credit usage
You are using less than 1% of the credit limit on your revolving accounts.
This only includes accounts for which the credit limit or highest balance is
reported. This is because if the credit limit is not reported, your highest
balance is used instead. Also, this only includes accounts that are open or
have a balance, and only if they have been updated by your lender in the
past 12 months. [ Less ]
This raises your score. High usage (such as balances above 50% of the credit
limit) is usually considered negative because lenders worry that you may be
using more credit than you can reasonably afford to repay. In fact, as
little as 15% usage may lower your score if you have no serious negatives (
such as late payments) in your report. Being "maxed out" or overlimit on a
credit card (when your balance is close to or above the credit limit) is
particularly negative. The more accounts in this situation, the more it
affects your scores. On the other hand, low usage is usually considered
positive because it provides lenders with information on how you use credit.
It also demonstrates that you do not need to use all of the credit
available to you. However, not using your credit accounts at all may be
considered a negative factor, because it does not provide lenders with
information about how you typically use credit and repay your
Account balances
You owe debt on 2 account(s). This only includes accounts that have been
updated by your lender in the past 12 months. [ Less ]
This raises your score. High balances are a negative factor because lenders
worry that you are living beyond your means and may not be able to repay
them. This is particularly true for credit cards. For installment loans such
as mortgages and auto loans, lenders often use the proportion of the loan
that is still unpaid to judge your ability to take on new debt. If very
little of your installment loan balances have been repaid, lenders may not
give you more credit that could add to your debt. No matter how high your
income, having a lot of debt may lower your credit scores because lenders
know that adverse changes in your employment and life events such as divorce
or illness may make it harder to pay your bills. Low balances, on the other
hand, are a positive factor because lenders do not stand to lose as much if
you become unable to repay them. However, not using your credit accounts at
all may be considered a negative factor, because it does not provide
lenders with information about how you typically use credit and repay your
debts.
看来信用卡要不断用,并且如果可能的华,每个月balance上留一点点.这样确保信用卡公
司把你payment历史都报上去. Balance占比例不能太高.最高不超过15%. Balance的意
思,并不是叫你不要用.比如信用额度7500, 我照样买7500的东西,但是在Statement快要
出来的时候,把大部分都还请了,剩下1%留在statement里面做balance.
希望对菜鸟有点帮助.如有不对,请各位大侠指正. | A**********0
发帖数: 6942 | 2 同意。
三条总结的都对。
this
Less
short
of
【在 n*******4 的大作中提到】
: 最近注册了creditkeeper,详细阅读自己的信用报告和分数.并对报告中的一些建议增加
: 自己的思考.
: You applied for credit 3 time(s) in the past 12 months, as recorded in this
: credit report. Mortgage and auto loan applications within the last 30 days
: are not counted. Prior to this 30-day window, all mortgage applications
: within a short period (14 or 45 days, depending on the bureau) count as a
: single application. This is also true of applications for auto loans. [ Less
: ]
: This lowers your score. Applying for multiple credit accounts within a short
: period of time can lower your credit scores. When you apply for any type of
| u***n
发帖数: 21026 | 3 感觉最后一条很操蛋，我有钱还，每个月按时还就可以了
和我的banlance高不高一点关系也没有，消费多说明持卡人有消费能力，对信用卡公司
有利，应该鼓励使用才对，国内都是这样的。
还要脱裤子放屁提前还款，这不是愚人自娱吗。感觉美国的信用标准真的不适合国人。 | a********1
发帖数: 96 | 4 AMX 不给我信用卡。
说我的分数低。然后我发现， 我其实就是每一个月消费得很多。超过楼主说的15%。
不知道楼主有没有办法可以教我怎样挽回这个credit score？
谢谢啦。 | s*******l
发帖数: 3691 | 5 意思就是一个时期内的多次汽车贷款查询和房屋贷款查询，查了很多次在15或45天（不
同信用局）内之算1次？ | u***n
发帖数: 21026 | 6
只给我750的creditline，要保持15%以下只能提前还了
一个月怎么也要刷掉200-300吧，还不包括骚包买东西的钱。
一个月平均都在400,怎么都超过50%了
唉。。。。。
给我1万就好了
【在 a********1 的大作中提到】
: AMX 不给我信用卡。
: 说我的分数低。然后我发现， 我其实就是每一个月消费得很多。超过楼主说的15%。
: 不知道楼主有没有办法可以教我怎样挽回这个credit score？
: 谢谢啦。
| g*******n
发帖数: 129 | 7 第一条我的理解跟你相反呢？
this
Less
short
of
【在 n*******4 的大作中提到】
: 最近注册了creditkeeper,详细阅读自己的信用报告和分数.并对报告中的一些建议增加
: 自己的思考.
: You applied for credit 3 time(s) in the past 12 months, as recorded in this
: credit report. Mortgage and auto loan applications within the last 30 days
: are not counted. Prior to this 30-day window, all mortgage applications
: within a short period (14 or 45 days, depending on the bureau) count as a
: single application. This is also true of applications for auto loans. [ Less
: ]
: This lowers your score. Applying for multiple credit accounts within a short
: period of time can lower your credit scores. When you apply for any type of
| s**********g
发帖数: 14942 | 8 国内是消费者攒着钱不花 这是主要问题 所以要鼓励花的多的人
美国是消费者一个劲的花 花了没钱还 就坏账 这是主要问题 所以要警惕花的多的人
国情不同。。
【在 u***n 的大作中提到】
: 感觉最后一条很操蛋，我有钱还，每个月按时还就可以了
: 和我的banlance高不高一点关系也没有，消费多说明持卡人有消费能力，对信用卡公司
: 有利，应该鼓励使用才对，国内都是这样的。
: 还要脱裤子放屁提前还款，这不是愚人自娱吗。感觉美国的信用标准真的不适合国人。
| s**********g
发帖数: 14942 | 9 Applying for multiple credit accounts within a short
period of time can lower your credit scores.
集中申卡会降低credit score 因为暗示你那会儿有经济危机
但集中申卡 对于那批卡来说批的概率可能高一些 因为据说一两天内的话 银行彼此
看不到最新的hard inquiry
this
Less
short
of
【在 n*******4 的大作中提到】
: 最近注册了creditkeeper,详细阅读自己的信用报告和分数.并对报告中的一些建议增加
: 自己的思考.
: You applied for credit 3 time(s) in the past 12 months, as recorded in this
: credit report. Mortgage and auto loan applications within the last 30 days
: are not counted. Prior to this 30-day window, all mortgage applications
: within a short period (14 or 45 days, depending on the bureau) count as a
: single application. This is also true of applications for auto loans. [ Less
: ]
: This lowers your score. Applying for multiple credit accounts within a short
: period of time can lower your credit scores. When you apply for any type of
| s*******l
发帖数: 3691 | 10 意思就是一个时期内的多次汽车贷款查询和房屋贷款查询，查了很多次在15或45天（不
同信用局）内之算1次？ |
|
