Waa maxay VantageScore?
Marka dadka intooda badani ka hadlaan dhibcaha dhibcaha, waxay tixraacayaan dhibcaha FICO, oo ah astaanta ugu badan ee loo isticmaalo amaahda. Hase yeeshee, taasi ma ahan dhibcaha kaliya ee dhibcaha ah. VantageScore waxaa bilaabay sadexda shirkadood oo waaweyn - Equifax, Experian, iyo TransUnion - bishii Maarso 2006.
Diiwaangelinta amaahda (credit bureaus) waxay la timid VantageScore si ay dhibcaha dhibcaha macaamiishu ay u noqon lahaayeen mid ka mid ah dhammaan saddexda xisaabeed.
Ka hor VantageScore, mid kasta oo ka mid ah xarumaha deymaha ayaa isticmaalay qaabka dhibcaha dhibcaha u gaarka ah taas oo horseedday kala duwanaanta dhibcaha dhibcaha xitaa isla warbixinta deynta.
VantageScore 3.0
Sanadka 2013, VantageScore wuxuu sii daayay 3.0 oo ah dhibcaha dhibcaha, taas oo hagaajisay saadaalinta natiijada iyo dhibcaha la abuuray malaayiin macaamiisha kuwaas oo horay loo soo saari karin. VantageScore 3.0 ayaa sidoo kale aqbashay 300 ilaa 850.
VantageScore 3.0 ayaa xisaabisa dhibcaha xisaabta iyadoo lagu saleynayo lix arrimood oo muhiim ah .
- 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%
Intaa waxaa dheer, VantageScore 3.0 waxay cafis u siineysaa macaamiisha si ay uga hortagaan musiibooyinka dabiiciga ah, abaal marinta "macaamiisha tayo sare leh" ee loogu talagalay ribo bixinta, oo laga reebo ururinta lacag bixinta, iyo yaraynta kobcinta xoogga leh ee ka soo horjeeda macaamiisha loo fasaxay.
Hore Model VantageScore
Dhibcaha la xisaabiyey iyadoo la isticmaalayo VantageScore 2.0 iyo moodooyinka hore waxay u dhexeeyeen min 501 ilaa 990 dhibcooduna sarreeyaan. VantageScore waxay udiyaarineysaa dhibcaha warqadda dhibcaha dhibcaha macaamiisha. Darajada warqadda waxay qaadataa waxqabadka si loo ogaado waxa dhibcaha dhibco fiican.
- 901 - 990 = A, Prime Prime, 11% macaamiisha ayaa ah Super Prime.
- 801 - 900 = B, Prime Plus, 29%
- 701 - 800 = C, Prime, 21%
- 601 - 700 = D, Boqol aan ka ahayn, 20%
- 501 - 600 = F, Halis Sare, 19%
VantageScore Formula
VantageScore waxaa loo xisaabiyaa iyadoo lagu saleynayo xogta ku jirta warbixintaada deynta, laakiin 24ka bilood ee taariikhda deynta ugu dambeysa ayaa saameyn weyn ku leh VantageScore.
VantageScore 2.0 iyo moodooyinka hore waxay sixiseen lix dhibcood oo dhibco ah sida soo socota:
- 28% - Taariikhda lacag bixinta - haddii lacag-bixinnadu ku qanacsan yihiin, qallafsan yihiin, ama jahwareer
- 23% - Isticmaalka - qaddarka deyntii aad isticmaashay
- 9% - Iskuduwaha - qaddarka dhawaanahan cusub ee la soo sheegay iyo xisaabinta
- 8% - Qodobka qadarinta - dhererkaaga taariikhda deymaha iyo noocyada xisaabaadka aad leedahay
- 30% - Deymaha ugu dambeeyay - tirada xisaab-celinta amaahda ee dhawaan la furay iyo weydiimaha credit
- 1% - Caymiska la heli karo - caddadka deynka la heli karo ee xisaabta kaararka deynta
VantageScore iyo Score FICO
Qaaciddada VantageScore waxay la mid tahay FICO dhibcaha 5-caanood (taariikhda bixinta, heerka deynta, da'da taariikhda amaahda, nooca xisaabaadka, weydiimaha), laakiin qaybaha ayaa kala duwenaa kala duwan: da'da taariikhda amaahda iyo nooca xisaabta oo lagu daray VantageScore qoto dheer ee credit (15% iyo 13%).
Marka lagu daro isticmaalka amaahda (30% dhibcahaaga FICO), VantageScore waxay sidoo kale tixgelinaysaa kaararka deynta iyo dulsaarka amaahda iyo deynta la heli karo (10% Dhibcaha Vantage).
VantageScore-gaaga ayaa sii wadi doona kala-geynta hal xisbi oo ku xigta tan kale tan iyo markii macluumaadka ku jira warbixinnada deyntaada ay ka duwan yihiin.
Xogta Deynta iyo VantageScore
Waxaad ka fiirsan kartaa VantageScore-kaaga adiga oo aan helin dhibcaha dhibcaha dhibcaha sababtoo ah noocaan warbixinta amaahda ee dhibcaha ma saameyneyso amaahdaada. VantageScore-gaaga ayaa saameyn ku yeesha weydiimaha ka dhasha codsigaaga deyn, kaararka deynta, ama adeegga kale.
Sidee Loo Eegaa Dhibcahaaga Vantage
Waxaad ka heli kartaa noocyada VantageScore ee Credit.com, CreditKarma.com , LendingTree.com, iyo Quizzle.com.