Dhibcaha FICO waxaa la abuuray bartamihii 1980-yadii by shirkadda hore loo yaqaan Fair Isaac (hadda loogu yeero FICO). Dhibcaha FICO waxaa loogu talagalay in lagu caawiyo bixiyeyaasha in ay xisaabiyaan ciddii amaahda u laheyd inay badalaan.
Bishii Maarso 2006, sadexda shirkadood ee ugu weyn ee deynta - Equifax, Experian, iyo TransUnion - waxay bilaabeen VantageScore. Tani waxay ahayd dhibco cusub oo loogu talagalay in lagu bixiyo shuruudaha dhibcaha dhibcaha oo ay bixiso mid ka mid ah saddexda dayn ururiye.
Inkasta oo labada FICO iyo VantageScore loo abuuray inay ka caawiyaan bixiyeyaasha inay iska ilaaliyaan khatarta, sidaas darteed kharashka, amaahda, waxaa jira farqi weyn oo ka dhexeeya labada darajooyinka dhibcaha dhibcaha.
Dhibco Dhibco Ah
Ficil FICO waxay u dhaxeysaa 300 ilaa 850. VantageScore 3.0 waxay qaateen 300 illaa 850, laakiin noocyada hore ee VantageScore waxay isticmaalaan 501 illaa 990. Dhibcaha dhibcaha ee labaduba waxay tixgelinayaan amaahda amaahda leh dhibcaha dhibcaha oo ka sarreeya inay noqdaan kuwo ka khatarsan kuwa ka raqiisan dhibcaha dhibco yar.
VantageScore 2.0 iyo horay loo soo saaray fasal xaraf ah dhibcaha dhibcaha iyada oo ku xiran hadba meesha uu ku dhaco inta u dhexeysa:
- 901 - 990 = A, Prime Prime
- 801 - 900 = B, Prime Plus
- 701 - 800 = C, Prime
- 601 - 700 = D, Dhalasho la'aan
- 501 - 600 = F, Halis sare
Xisaabinta Xisaabinta Xisaabta
Natiijada FICO waxay ku saleysan tahay qaabka dhibcaha dhibcaha dhibcaha shan qaybood oo xog ah , halka VantageScore ay isticmaasho lix.
Dhibcaha FICO
- 35% taariikhda bixinta
- 30% heerka deynta
- 15% da'da taariikhda amaahda
- 10% noocyada credit
- 10% weydiinta credit
VantageScore 3.0
- Taariikhda bixinta - 40%
- Da'da iyo nooca credit - 21%
- Boqolkiiba inta la isticmaalay - 20%
- Wadarta balansiyada / deynta - 11%
- Dabeecadaha deymaha ee dhawaanta iyo weydiimaha - 5%
- Deynta la heli karo - 3%
VantageScore 2.0
- 32% taariikhda bixinta
- 23% isticmaalka
- 15% balansiga
- 13% qoto dheer ee credit
- 10% dhibcaha ugu dambeeyay
- 7% deynta la heli karo
Labada FICO iyo VantageScore ee foomamka dhibcaha ee dhibcaha ayaa bixiya qiyaasto isku mid ah boqolleyda taariikhda lacag bixinta iyo weydiimaha cusub ee credit. Hase yeeshee, waxaa jira farqi weyn oo ku saabsan daaweynta isticmaalka , da'da taariikhda deynta, iyo noocyada amaahda.
FICO waxay bixisaa isticmaalka 30% dhibcaha dhibcaha, halka VantageScore ay ku jirto 45% culeyska aad isticmaaleyso.
FICO waxay bixisaa wadarta 25% da'da taariikhda deymaha iyo noocyada credit. VantageScore waxay bixisaa labadaan arrimood 13%.
Waa kuwee Better
Marka laga eego aragtida macaamiisha, dhibcaha dhibco fiican waa mid ka mid ah deyn-bixiyahaagu wuxuu u adeegsanayaa inuu ansixiyo ama uu diido codsigaaga. Maadaama ay deyn bixiyeyaashu isticmaalaan dhibcaha FICO, waxaa laga yaabaa inaad ka fiicnaan laheyd hubinta dhibcaha. Ha u qaadin sida loo bixiyo. Had iyo jeer weydii deyn-bixiyahaaga dhibcaha dhibcaha ayaga hubinayaan. La soco in dhibcaha amaahda ee aad ka iibsatid internetka ay dhici karto inaysan ku haboonayn mid ka mid ah jeega amaahda, laakiin waxay ku siin kartaa fikrad ah meesha aad ku taagan tahay.
Nuqulo lacag la'aan ah ee VantageScore-kaaga, ka eeg Credit.com, CreditKarma.com, LendingTree.com, ama Quizzle.com. Midkoodna adeegyadani uma baahna kaararka deynta ee dhibcaha dhibcaha bilaashka ah.