Dhibcaha celceliska dhibcaha ee Maraykanka oo dhan wuxuu ahaa 675 sannadkii 2017, sida ay sheegtay cilmibaarista 'Experian's' ee Deynta Waxbarashada ee 2017.
Xogta waxay ku saleysan tahay VantageScore 3.0 , taas oo dhalisa dhibcaha dhibcaha min 300 ilaa 850.
Waa wax fiican in la ogaado in dhibcaha dhibcaha sare ay ka fiican yihiin, laakiin jebinta dhibcaha dhibcaha ee gawaarida ayaa keena caddayn dheeraad ah ee tirooyinka dhibcaha dhibcaha.
VantageScore Qaybaha Rating
- 781 - 850: Sare u sarreeya
- 661 - 780: Prime
- 601 - 660: Ku dhowaad Rabshad
- 500 - 600: Subprime
- 300 - 499: Dhibaato fara badan
Dawladaha Dhibcaha Dhibcaha Heerka ugu hooseeya ee ugu hooseeya
Minnesota waxay leedahay dhibcaha celceliska celceliska celceliska ugu sareeya 709. Mississippi waxay leedahay dhibcaha celceliska celceliska celceliska 647.
10ka gobol ee ugu sarreeya ee celceliska dhibcaha celceliska dhibcaha ugu sareeya waa: Vermont (702), New Hampshire (701), South Dakota (700), Massachusetts (699), Waqooyiga Dakota (697), Wisconsin (696), Iowa ( 695), Nebraska (695), Hawaii (693). Dhibcaha buundooyinkan ayaa dhammaantood loo tixgeliyaa Prime on VantageScore. Isticmaalayaasha leh dhibcaha dhibcaha asalka ah waxay inta badan leeyihiin wakhti ka wanaagsan helitaanka deyn-qaadashada waxayna helayaan shuruudo dheeraad ah marka la ansixiyo.
Lixda dhibcood ee celceliska dhibcaha: Louisiana (650), Georgia (654), Alabama (654), Nevada (655), Texas (656), Oklahoma (656), South Carolina (657), Arkansas (657), iyo West Virginia (658). Miisaanka VantageScore, dhibcaha dhibcaha ayaa loo tixgeliyaa Hantidhawrka Hore. Waxaa laga yaabaa inay adagtahay in la aqbalo amaahda iyo dulsaarka sicirka oo aad u sareeya.
Miyuu joqraafi u yahay doorka dhibcaha dhibcaha? Waxay u egtahay inay sidaas ku saleysan tahay xogta. Toddoba ka mid ah 10ka gobol ee ugu sarreeya dhibcaha celcelis ahaan celceliska dhibcaha ayaa ku jira bartamaha Middoobe halka 9 ka mid ah 10ka gobol ee dhibcaha dhibcaha ugu hooseeya ay ku yaalliin koonfurta bari.
Dabcan, halka cinwaankaaga lagu darayo warbixintaada deynta, maaha arrin dhibcaha dhibcaha. Xogta kaliya ee la xidhiidha amaahashadaada iyo caadooyinka lacag bixinta ayaa lagu daray dhibcaha dhibcaha. Taariikhda lacag bixinta ayaa ah tan ugu saameynta badan ee xisaabinta VantageScore. Sidoo kale waa 35% dhibcahaaga FICO. Da'da iyo noocyada credit ee loo isticmaalo iyo boqolkiiba isticmaalka xadaynta deyn bixinta ayaa si aad ah saameyn ugu leh VantageScore. Balansiyada iyo deynta guud waa mid dhexdhexaad ah. Waxyaabaha ugu saameynta ugu yaryar waxa weeye dabeecadaha deymaha ee ugu dambeeyay iyo weydiimaha iyo deynka la heli karo.
Gobolka | Celceliska VantageScore |
| Alabama | 654 |
| Alaska | 668 |
| Arizona | 669 |
| Arkansas | 657 |
| California | 680 |
| Colorado | 688 |
| Connecticut | 690 |
| Degmada Columbia | 670 |
| Delaware | 672 |
| Florida | 668 |
| Georgia | 654 |
| Hawaii | 693 |
| Idaho | 681 |
| Illinois | 683 |
| Indiana | 667 |
| Iowa | 695 |
| Kansas | 680 |
| Kentucky | 663 |
| Louisiana | 650 |
| Maine | 689 |
| Maryland | 672 |
| Massachusetts | 699 |
| Michigan | 677 |
| Minnesota | 709 |
| Mississippi | 647 |
| Missouri | 675 |
| Montana | 689 |
| Nebraska | 695 |
| Nevada | 655 |
| New Hampshire | 701 |
| New Jersey | 686 |
| New Mexico | 659 |
| New York | 688 |
| North Carolina | 686 |
| Waqooyiga Dakota | 697 |
| Ohio | 678 |
| Oklahoma | 656 |
| Oregon | 688 |
| Pennsylvania | 687 |
| Rhode Island | 687 |
| South Carolina | 657 |
| Koonfurta Dakota | 700 |
| Tennessee | 662 |
| Utah | 683 |
| Virginia | 680 |
| Vermont | 702 |
| Washington | 693 |
| West Virgina | 658 |
| Fikrado | 696 |
| Wyoming | 678 |
Waxaa laga soo xigtay: Experian |
Talooyin ku Saabsan Hagaajinta Dhibcaha Credit
Waxaad ka shaqayn kartaa sidii loo hagaajin lahaa dhibcaha dhibcahaaga iyada oo aan loo eegin meesha aad ku nooshahay. Maadaama taariikhda lacag bixinta ay tahay sababta ugu weyn ee saameyneysa dhibcahaaga deynta , bixinta biilashaada waqtigeeda ayaa ah waxa ugu fiican ee aad sameyn kartid si aad u hagaajisid dhibcahaaga deynta. Ku soo dhawow xisaabaadka la soo dhaafay oo daryeesha deyn ururinta.
Yaree xaddiga deymaha aad isticmaalayso. Lahaanshaha kartida kaararka deynta ah waxay sidoo kale keenaysaa dhibcaha dhibcaha. Inkastoo ay fududahay miisaaniyadda si ay ugu bixiso ugu yaraan koontadaada kaararkaaga bil kasta, taasi ma ahan wax ugu fiican ee credit. Ka shaqee inaad bixiso balanqaadka kaararka deynta si aad uga hooseesid 30% xadeynta deynta. Hooska ka sii fiican. Ku ilaalinta kaararka kaararka dakhliga aadka u hooseeya ayaa kaa caawin doona inuu kor u qaado dhibcaha dhibcaha.
Codso kareedhiyo cusub haddii loo baahdo.
Iyadoo kasta oo kaararka deynta cusubi uu dulsaarayo deynkaaga, waxyeellada dhabta ah ee furitaanka kaararka kala duwan ayaa ah khatarta ah in la isku dheellitiro balansiga ballaaran iyo lacagaha maqan. Yaree tirada kaararka deynta ee aad codsaneyso.
La soco dhibcaha dhibcaha adoo adeegsanaya adeegga dhibcaha lacag la'aanta ah sida Credit Karma, Saameynta Credit, ama WalletHub. Waad sii joogi kartaa taariikhda isbeddelka dhibcaha dhibcahaaga iyo inaad barato waxyaaba saameeya dhibcaha dhibcaha. Waa inaad sidoo kale dib u eegtaa warbixintaada deymaha oo buuxa sanad walba adoo aadaya AnnualCreditReport.com. U fiirso warbixintaada deymaha si aad u hubiso in dhammaan xogta ay sax yihiin oo ay khilaafaan khalad kasta oo la leh bangiyada. Warqad caafimaad oo sax ah oo sax ah ayaa sidoo kale muhiim u ah hagaajinta dhibcahaaga.