p*******m
发帖数: 20761 | 1 重要指数从高到低
Open Credit Card Utilization Credit card utilization is defined as the total credit card debt you have divided by the total available credit on your credit cards. High credit card utilization can be a warning sign of credit risk.（这不是要越多卡越好吗？）
Percent of On-Time Payments On-time payments are an important component of your credit score. Using your credit responsibly and paying bills on time are great ways to maintain a good credit score.（中国人基本没问题pay清吧）
Average Age of Open Credit Lines Credit history is a significant component of your credit score. As such, the average age of your credit lines can be a strong indication of your credit history. Care should be used in keeping old accounts open, active, and in good standing.（这个和你呆的时间有关）
Total Accounts Both the total number of credit accounts you have and the mix of credit you have will affect your credit score. A healthy mix of revolving credit cards, charge cards, installment loans and mortgages will also impact your credit score.（这不是要越多卡越好吗？）
Hard Credit Inquiries Inquiries for credit, also known as hard inquiries, are placed on your credit report whenever you apply for credit. These results are the inquiries for credit over the last 2 years. It is important to note that soft inquiries, like the type used by Credit Karma, do not impact your credit score and are not counted in this metric.（在信用分数里的成分这么低）
Derogatory Marks Accounts in collections, bankruptcies, civil judgments, and liens are items on your credit report called derogatory marks. To maintain a good credit score you should avoid any derogatory marks on your credit report. It can take from 7-15 years for a derogatory mark to be cleared from your credit history.（这个应该没问题吧）
Total Debt Tracking your total debt is a good way to gauge your financial health. When lenders evaluate your credit, this is often a key metric they review.（for me is n/a）
Debt to Income Ratio Your Debt to Income (DTI) ratio compares the difference between your monthly income and the monthly amount you spend to maintain your debt. It is often a metric used when evaluating loan applications. In general, the lower the DTI, the better the credit risk.
Monthly household income is not on the credit report. Please enter your
monthly pre-tax income for your household to see how you compare.
Reported Monthly Household Income (for me is n/a)
卡越多越好，信用额越高越好，每次pay清，不要给人告，hard pull不值钱，少关卡
hard Inquiry damage is so overrated | s**********g
发帖数: 14942 | 2 读读清楚
人说的是soft pull不影响
没说hard pull不值钱 | p*******m
发帖数: 20761 | 3
Hard Credit Inquiries
Credit Score Weight: Low
排第五啊。最近hard pull了几次也没见信用分数低了啊
【在 s**********g 的大作中提到】
: 读读清楚
: 人说的是soft pull不影响
: 没说hard pull不值钱
| z*******5
发帖数: 2990 | | p*******m
发帖数: 20761 | 5
你太对了，最近为了提高Total Accounts到21
开了无数的信用卡。lol
【在 z*******5 的大作中提到】
: 只是一个参考吧~~不要太当真~
| f********i
发帖数: 8412 | 6 没pull TU的
【在 p*******m 的大作中提到】
:
: 你太对了，最近为了提高Total Accounts到21
: 开了无数的信用卡。lol
| p*******m
发帖数: 20761 | 7
你太牛了。估计是啊
【在 f********i 的大作中提到】
: 没pull TU的
| f********i
发帖数: 8412 | 8 地球人都知道……
【在 p*******m 的大作中提到】
:
: 你太牛了。估计是啊
| p*******m
发帖数: 20761 | 9
我们火星那里的系统不太一样
【在 f********i 的大作中提到】
: 地球人都知道……
| j********o
发帖数: 919 | 10 忽略以上所有回复,回答楼猪问题.
KARMA直接PULL TRANSUNION的资料然后按照自己的算分模型给分数.
这个分数不是FICO,也不是各信用局的分数,但因为KARMA每天可以UPDATE一次,所以长期
来说,可以作为你定向观测你TRANSUNION的分数走向的参考.
以上. | | | T*****u
发帖数: 759 | 11 niu
【在 j********o 的大作中提到】
: 忽略以上所有回复,回答楼猪问题.
: KARMA直接PULL TRANSUNION的资料然后按照自己的算分模型给分数.
: 这个分数不是FICO,也不是各信用局的分数,但因为KARMA每天可以UPDATE一次,所以长期
: 来说,可以作为你定向观测你TRANSUNION的分数走向的参考.
: 以上.
| r*******i
发帖数: 1634 | 12 最近3个月申了4张卡，没有一家pull的TU.. 而且过去2年也没人pull个TU，估计我这里
跟TU绝缘。。 | c*******i
发帖数: 264 | 13 我TU被无限pull各种pull
Equifax没人pull
顺便问问CITI IDENTITY MONITOR的分数是准确的吗？
CITI的分数比CREDIT KARMA低70多分……
【在 r*******i 的大作中提到】
: 最近3个月申了4张卡，没有一家pull的TU.. 而且过去2年也没人pull个TU，估计我这里
: 跟TU绝缘。。
| d*****i
发帖数: 3905 | 14 hard pull不重要是因为两年内能申请10张卡的人很少，但是这个版上好多人是这样的.
............
total credit card debt you have divided by the total available credit on
your credit cards. High credit card utilization can be a warning sign of
credit risk.（这不是要越多卡越好吗？）
your credit score. Using your credit responsibly and paying bills on time
are great ways to maintain a good credit score.（中国人基本没问题pay清吧）
of your credit score. As such, the average age of your credit lines can be
a strong indication of your credit history. Care should be used in keeping
old accounts open, active, and in good standing.（这个和你呆的时间有关）
mix of credit you have will affect your credit score. A healthy mix of
revolving credit cards, charge cards, installment loans and mortgages will
also impact your credit score.（这不是要越多卡越好吗？）
are placed on your credit report whenever you apply for credit. These
results are the inquiries for credit over the last 2 years. It is important
to note that soft inquiries, like the type used by Credit Karma, do not
impact your credit score and are not counted in this metric.（在信用分数里的
成分这么低）
and liens are items on your credit report called derogatory marks. To
maintain a good credit score you should avoid any derogatory marks on your
credit report. It can take from 7-15 years for a derogatory mark to be
cleared from your credit history.（这个应该没问题吧）
health. When lenders evaluate your credit, this is often a key metric they
review.（for me is n/a）
difference between your monthly income and the monthly amount you spend to
maintain your debt. It is often a metric used when evaluating loan
applications. In general, the lower the DTI, the better the credit risk.
【在 p*******m 的大作中提到】
: 重要指数从高到低
: Open Credit Card Utilization Credit card utilization is defined as the total credit card debt you have divided by the total available credit on your credit cards. High credit card utilization can be a warning sign of credit risk.（这不是要越多卡越好吗？）
: Percent of On-Time Payments On-time payments are an important component of your credit score. Using your credit responsibly and paying bills on time are great ways to maintain a good credit score.（中国人基本没问题pay清吧）
: Average Age of Open Credit Lines Credit history is a significant component of your credit score. As such, the average age of your credit lines can be a strong indication of your credit history. Care should be used in keeping old accounts open, active, and in good standing.（这个和你呆的时间有关）
: Total Accounts Both the total number of credit accounts you have and the mix of credit you have will affect your credit score. A healthy mix of revolving credit cards, charge cards, installment loans and mortgages will also impact your credit score.（这不是要越多卡越好吗？）
: Hard Credit Inquiries Inquiries for credit, also known as hard inquiries, are placed on your credit report whenever you apply for credit. These results are the inquiries for credit over the last 2 years. It is important to note that soft inquiries, like the type used by Credit Karma, do not impact your credit score and are not counted in this metric.（在信用分数里的成分这么低）
: Derogatory Marks Accounts in collections, bankruptcies, civil judgments, and liens are items on your credit report called derogatory marks. To maintain a good credit score you should avoid any derogatory marks on your credit report. It can take from 7-15 years for a derogatory mark to be cleared from your credit history.（这个应该没问题吧）
: Total Debt Tracking your total debt is a good way to gauge your financial health. When lenders evaluate your credit, this is often a key metric they review.（for me is n/a）
: Debt to Income Ratio Your Debt to Income (DTI) ratio compares the difference between your monthly income and the monthly amount you spend to maintain your debt. It is often a metric used when evaluating loan applications. In general, the lower the DTI, the better the credit risk.
: Monthly household income is not on the credit report. Please enter your
| g*****y
发帖数: 2491 | 15 Credit Karma经大家证实，分数是有点偏高的~
【在 c*******i 的大作中提到】
: 我TU被无限pull各种pull
: Equifax没人pull
: 顺便问问CITI IDENTITY MONITOR的分数是准确的吗？
: CITI的分数比CREDIT KARMA低70多分……
| s**********g
发帖数: 14942 | 16 排第五也挺靠谱了啊
你的信用分低没低 还是有很多其他因素的。。
karma给的评分细则应该还比较靠谱
不算靠谱的是他家的分数
更不靠谱的是他家的simulator
【在 p*******m 的大作中提到】
:
: 我们火星那里的系统不太一样
| g*****y
发帖数: 2491 | 17 LOL...
【在 s**********g 的大作中提到】
: 排第五也挺靠谱了啊
: 你的信用分低没低 还是有很多其他因素的。。
: karma给的评分细则应该还比较靠谱
: 不算靠谱的是他家的分数
: 更不靠谱的是他家的simulator
| p*******m
发帖数: 20761 | 18 hard pull 多account
他都给你发email
很好的免费信用监控系统啊 | l**********r
发帖数: 1865 | |
|
