什么是良好的信用评分?

Blog Post 08/09/2016
信用咨询
什么是良好的信用评分?

信用评分是一个神奇的数字,它对消费者的生活有着重要的影响。必威娱乐官网您的信用评分可以考虑是否有人愿意向您提供贷款,if so,你要付多少利息。你的分数越高,更好。

大多数人有不止一个学分,他们甚至不知道。自2006年成立以来,VantageScore使用了三种不同的模式。为什么?Tweaking the model periodically helps to ensure that more 必威娱乐官网consumers can be scored and,by extension,become eligible for credit.Upgrading the model also helps it keep pace with current economic trends.

The VantageScore

VantageScore is the creation of three major credit reporting bureaus,包括TransUni必威娱乐官网on。Approximately 2,000 lenders were using it as of 2014,including six of the nation's largest banks,generating over one billion scores.最新的型号-VantageScore 3.0-覆盖范围为300到850,从消费者的信用报告中提取信息并将其转换为数值。必威娱乐官网The VantageScore 2.0 model ranges from 501 to 990.你可能两者都有,depending on when you applied for credit and when your credit score was requested.

那么什么是良好的信用评分呢?A VantageScore in the neighborhood of 835 to 850 is very high on the 3.0 model,它与使用2.0模型的931到990范围内的分数相关。在光谱的低端,a model 2.0 score of 501 to 570 is comparable to a 3.0 model score of 300 to 508.

你现在想看看你的信用评分吗?YES,给我看看我的学分

“好”分数因贷方而异

银行利率是指超过760英镑左右的优惠利率将使您获得优惠的贷款利率。但这是一个一般的经验法则。它可能因贷款人而异。抵押贷款公司可能对760分有点担心,更喜欢看到接近850的东西,然而,一家汽车贷款公司可能认为760分是相当不错的,并为你提供优惠条件。一个好的分数取决于你申请的贷款类型和时间,factoring in the current economic climate.

底线

Achieving a good credit score isn't like a race to the finish — you don't quit when you hit 850.这是一个不断发展的过程,需要维护。After you've established good credit,your challenge becomes to keep it stable.如果你的信用评分在可接受的最低水平,you can apply yourself to increasing it.必威娱乐官网TransUnion提供一些提示和最佳实践to help you toward your goal.

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