Kreditova historie, obava americanu a casto i jejich problem

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Kreditova historie, obava americanu a casto i jejich problem. Proc? Chcete-li si vzit pujcku s vyhodnymi procenty, budete potrebovat kredit. Ale kde ho vzit?
Vybudovat si dobrou kreditni historii zabere cas.

Co to vlastne ta kreditni historie je?

Kazda uspesne splacena pujcka nebo prubeh splaceni je hlasen na Credit Bureau. Stejne tak, pokud neplatite tak jak mate, je tato informace predana na Credit Bureau a je pak pristupna dalsim firmam, ktere se o vas informují.

Vysledne skore pak dava firmam prehled o tom, jak "zodpovedny" zákazník jste a jestli jim za to stoji s vami delat nejake obchody. Napriklad prodejny aut nabizeji pucjky, kde prvni splatka bude az dalsi rok, 0% urok atd. Malym pismem je vsak dodano, ze vse je limitovano vasi kreditovou historii. pokud nematte vyborny kredit, auto vam samozrejme prodaji, ale za jinych podminek. Za mene vyhodnych podminek.

Pokud si chcete vybudovat kredit, berte si veci na splatky a informujte se o tom, jestli firma, od ktere si to berete dela pravidelny report na Credit Bureau.

Jak zacit? Nemusi to byt nic zavratneho. Muzete zacit i s nabytkem. Pokud to chcete udelat u seriozni firmy, budete potrebovat rucitele. Nekteri "podnikatele" vam pomohou ke kreditu i bez neho, ale radne preplatite, tak asi jako u vseho. Vetsinou to tak ze zacatku je.

Kazda splacena vec je male plus. Jednou zacnete *S*P*A*M* smerem a zacnou se na vas valit kreditni karty a vsechny mozne i nemozne nabidky tykajici se penez.

Hodne lidi tu zacina s autem. Nikde neni psano, ze musite hned kupovat nove auto. I v autobazarech, kde se prodavaji relativne levna auta (ne ve vsech) vam titmto zpusobem pomohou zacit. Chce se to ptat.

Pomuze mi placeni telefonniho uctu a elektriky?
To je trochu zapeklita situace, jelikoz to, ze napriklad pravidelne platis tel. ucet a ucet za elektriku ti na kredit nepujde. Alespo se to tam neobjevi. Pokud vsak nebudes platit tak, jak mas a bude to napsano na tvoje jmeno a SSN, muze te dana spolecnost nahlasit na Credit Bureau. Nedela se to, pokud to nejde do zavratnych castek a pokud se snazis spolupracovat. Neco jineho je to u pujcek. Tak ze platit ano, ale na kreditnim vypisu se to neobjevi.

Zalozte si ucet v bance.
Zalozeni si uctu v bance ma sve vyhody. Pokud to udelate v bance, ktera je trochu na urovni a nejste vecne na nule, sama banka vam zacne nabizet pujcky.

Piskle · Registrace: 20. 01. 2005 Příspěvky: 404

Je mozne(vlastne vim,ze ano),ale vlastne jak je mozne,ze ma clovek u treba trech rozdilnych creditnich spolecnostech(equifax,experian,transunion)jine credit score Shocked

Priklad: u jednoho 783,u druheho 765 a u tretiho 749???
Nejde mi o score,jde mi o rozdilna cisla??
Jak to?
Na mortgage je pouzito vyssi score,na treba auto loan nizsi Shocked

.

kulishek · Zaslal: čt duben 07, 2005 6:10 pm Předmět:

The three bureaus don't necessarily use the same system to come up with your score. There are many versions of the process, each using different factors and weightings to arrive at your score; this results in inconsistencies between bureaus. For example, Equifax uses the FICO system and Experian uses PLUS. Both use the same principles but have different scales, so your FICO score is between 300 to 850 compared to PLUS's range of 330 to 830.

In addition, the bureaus receive new information constantly and your credit report and score change as a result. Your creditors may not give your information to all three of the credit bureaus or may not relay it to them at the same moment in time. Therefore each bureau may have different information. These discrepancies can result in a difference of 50 points or more among the three company's scores.

Scores from the three bureaus may also vary if the information in your report is incorrect. You should check your credit report frequently -- particularly before requesting a loan -- and correct any mistakes.

Further variations in your report and score can occur when the credit report companies sell them to landlords, insurance companies, auto lenders, credit card companies, mortgage lenders and others. Each purchaser may reevaluate your credit score using its own criteria. For example, credit card companies place greater importance on your credit behavior whereas auto lenders factor in things like down payments on loans, debt-to-income ratio and how long you've been at your job.

Lenders also have different methods for handling multiple scores from the three bureaus. Some discard the highest and lowest and go with the middle figure while others have a formula they apply to the numbers.

Ref. www.lendingtree.com

kulishek · Zaslal: ne červen 12, 2005 8:20 am Předmět: Alternativni kreditni historie

Payment Reporting Builds Credit: http://prbc.com/consumers/

kulishek · Zaslal: ne červen 03, 2007 2:47 pm Předmět: FICO

"...Fair Isaac said it intends to announce this week that all future versions of its FICO score methodology will no longer consider authorized user accounts, said Tom Quinn, Fair Isaac's vice president of scoring solutions.

The next version is slated to roll out in September to one of the three main credit reporting agencies -- Equifax Inc., Experian Information Solutions Inc. or TransUnion LLC -- with the other two agencies receiving the new version some time in 2008..."

'Piggybacking' Roils Credit Industry
http://biz.yahoo.com/ap/070603/cash_for_credit.html?.v=4

Anonymní · Zaslal: ne červen 03, 2007 3:38 pm Předmět: