2019年10月9日 • 6分钟
了解你的信用评分很重要, 如何检查, and how to maintain a good credit score and credit history.
You may know that credit scores typically range from 300 to 850, and you may have some idea of the habits that will get you a better score. 但你知道最重要的两个因素是什么吗? Keep reading to find out – along with what to do to maximize your score in those areas, 还有其他因素是什么.
您还可以了解更多的基础知识，包括 什么是信用评分 以及如何免费查看你的分数.
FICO和vantagscore, 信用评分的两个最常见的来源, both indicate that your payment history 最重要的因素是什么 in your overall score.”
When you pay your bills and loans on time – including by making the minimum payment or paying your balance in full – 你的信用评分 goes up. When you don’t pay on time or when you pay less than the minimum payment, it goes down. FICO和vantagscore, 信用评分的两个最常见的来源, both indicate that your payment history 最重要的因素是什么 in your overall score.
Pay all your bills on time, and pay at least the minimum balance. 的 less you pay (below the minimum) and the later you pay, the more your score will go down.
To pay your bills on time, mark your calendar with a reminder. 使用网上银行或 账单支付 设置经常性付款. Ask your creditor if they will change your due date so it matches when you get your paycheck. Many banks and credit unions also set up the ability to have your credit card automatically paid in full each month out of your checking account – even an account at a different institution.
称为“信用利用”,” the amount of your available credit that you actually use 第二重要的是什么 factor 在你的分数里, 根据FICO和VantageScore的数据. 简而言之, your credit utilization is the percentage of your credit limit that you use at any one time.
例如, if your total credit limit across your credit cards and other loan accounts was $12,你有总共4美元的未付余额,000, 你的信用利用率是33%. In this example, the utilization of 33% is slightly higher than the recommended maximum of 30%.
Use no more than 30% of your available credit at any one time. 密切关注你所欠的总余额, 通过短信或电子邮件设置自动余额提醒, or making extra payments before your due date are all ways to stay under 30%.
还有其他一些因素也会影响你的分数, 这些都是值得关注的, but they don’t affect your score nearly as much as the main two factors.
欠债总额会影响你的分数, and your score will be better if your total debt – especially for unsecured loans like credit cards – is going down over time.
每次你申请贷款或信用卡的时候, this creates a “hard inquiry” on your credit report – which lowers your score by several points. Over time, these inquiries fall off, and other factors may raise your score again. In general, it’s not a good idea to apply for too many new loans too close together.
的 longer your loan and credit card accounts have been open, the better your score. That’s why it’s often a good idea to keep old accounts open unless there’s some good reason to close them, such as a temptation to overspend using that account or a very high annual fee.
通常, it’s best to have a mix of credit types – including accounts with a fixed number of payments (like car loans and mortgages) along with accounts with variable payments like credit cards.
并不是所有的金融行为都会影响你的信用评分. Here’s some things that won’t affect your score (although some of these may appear on your credit report and/or be available to companies that check your credit):
监控你的信用很重要. 了解如何检查你的信用评分, get a free report and what to look for on your credit report from the reporting agencies.
你有不良的信用记录吗? No matter the reason, learn how to improve credit from the experts at Patelco.
Learn the basics of credit cards, including their features and benefits. 学习如何负责任地使用信用卡.