Cov neeg uas muaj cov qhab nia tshwj xeeb kuj tseem qhia cov cwj pwm nyiaj txiag zoo sib xws thaum nws los txog rau lawv cov nuj nqis.
Qhov ntawd yog qhov xaus los ntawm qhov tsis ntev los no Ntawv Qiv Nyiaj txoj kev tshawb fawb uas txheeb xyuas 100,000 daim ntawv tshaj tawm ntawm cov neeg Asmeskas nrog cov qhab nia credit ntawm lossis siab dua 800. A FICO qhab nia ntawm 850 yog suav tias yog qhab nia zoo meej.
Rau cov uas tab tom nrhiav kom tau txais cov paj laum zoo dua thiab cov nqe lus ntawm cov nyiaj qiv, daim ntawv tshaj tawm cov kev tshawb pom muaj ib txoj hauv kev los txhim kho koj cov qhab nia credit. Nov yog li cas.
Lawv them nyiaj raws sijhawm - txhua lub sijhawm
Txhua tus ntawm cov neeg siv khoom uas muaj 800 tus qhab nia lossis siab dua tau them lawv cov nqi raws sijhawm txhua lub hlis, raws li LendingTree qhov kev tshawb pom. Qhov ntawd yog qhov tseem ceeb vim tias keeb kwm kev them nyiaj ua rau 35% ntawm koj cov qhab nia credit. Tsis tsuas yog ib qho kev them nyiaj tuaj yeem ua rau koj cov qhab nia credit, raws li Experian cov ntaub ntawv. Kev them nyiaj lig tuaj yeem nyob hauv koj daim ntawv tshabxo nuj nqi txog li xya xyoo.
"Qhov tseem ceeb tshaj plaws hauv credit yog them koj cov nqi them raws sijhawm, txhua lub sijhawm. Tsis muaj dab tsi tseem ceeb tshaj qhov ntawd, "Matt Schulz, tus kws tshuaj ntsuam xyuas credit ntawm LendingTree, hais rau Yahoo Finance.
"Qhov ntawd yog qhov tseem ceeb tshaj plaws, them koj cov nuj nqis raws sij hawm tsis tuaj yeem sib tham yog tias koj xav tau 800 qhab nia credit."
Lawv nqa nuj nqis
Qee tus neeg yuav xav tias cov neeg uas muaj qhab nia zoo tshaj plaws tsis muaj nuj nqis. Tab sis qhov opposite yog muaj tseeb. Yuav kom tau txais cov qhab nia zoo, koj yuav tsum ua kom pom tias koj muaj lub luag haujlwm nrog kev tswj hwm cov nuj nqis. Qhov ntawd yuav tsum muaj nuj nqis.
Qhov nruab nrab, cov qhab nia ze-zoo meej tau nqa ntawm qhov nruab nrab $ 150,270 hauv cov nuj nqis, suav nrog qiv nyiaj. Qhov ntawd txhais tau tias qhov nruab nrab them nyiaj txhua hli ntawm $ 1,556 - uas tau sau tseg yav dhau los, tau them raws sijhawm txhua lub hlis.
Schulz tau hais tias "Yog tias koj ua tiav ntau hom qiv lossis cov nuj nqis, ntau xyoo, koj cov qhab nia credit yuav zoo dua," Schulz tau hais. "Tsis muaj qhov tsis ntseeg txog nws."
Lawv tau tswj hwm cov nuj nqis tau ntev
Cov nyiaj laus tshaj plaws rau cov neeg siv khoom nrog cov qhab nia siab yog 22 xyoo ntawm qhov nruab nrab, raws li kev tshawb fawb. Qhov ntev ntawm koj cov keeb kwm credit yog qhov tseem ceeb tshaj plaws thib peb hauv kev suav cov qhab nia credit, ua 15% ntawm koj cov qhab nia.
Tau kawg, hnub nyoog plays ib qho tseem ceeb. Piv txwv li, qhov nruab nrab qhov qub tshaj plaws rau cov neeg nyob ntsiag to yog 28.2 xyoo. Cov me nyuam boomers ua raws li ntawm 24.8 xyoo.
Tab sis hnub nyoog tsis yog tib yam. Piv txwv li, qhov nruab nrab qhov qub tshaj plaws tus account rau millennials yog
tsawg dua 15 xyoo, thaum qhov nruab nrab yog 18 xyoo rau cov tub ntxhais hluas tiam - Gen Z.
Qhov ntawd tuaj yeem yog vim cov niam txiv thiab cov neeg saib xyuas feem ntau yuav suav nrog lawv ua cov neeg siv tau tso cai ntawm lawv daim npav thaum lawv tseem yog menyuam yaus txhawm rau pib tsim lawv cov credit, qhov kev tshawb fawb tau sau tseg. Kev loj hlob ntawm cov tsev qiv nyiaj tso cai rau cov neeg tuav daim npav ntxiv rau tus menyuam hnub nyoog 13 xyoos lossis tshaj saud rau hauv tus lej qiv nyiaj raws li tus neeg siv tau tso cai, raws li LendingTree.
Schulz tau hais tias "Nws yog lub cuab yeej muaj txiaj ntsig zoo, tab sis tuaj yeem muaj qee qhov kev pheej hmoo rau nws," Schulz tau hais. “Yog tias koj tus menyuam mus vwm siv daim npav ntawd, niam txiv lossis tus saib xyuas yog tus saib xyuas cov nyiaj them ntawd. Yog li koj yuav tsum muaj qee qhov kev sib tham qhib thiab ncaj ncees txog kev cia siab thiab qhov tshwm sim. "
Lawv muaj ntau tus account credit
Cov neeg siv khoom nruab nrab nrog cov qhab nia credit ntawm lossis siab dua 800 muaj 8.3 qhib cov nyiaj hauv xyoo 2022. Cov neeg uas muaj cov qhab nia zoo thiab them nyiaj raws sijhawm kuj tseem yuav muaj cov qhab nia siab dua.
Kev sib xyaw qiv nyiaj - xws li qiv tus kheej, credit cards, thiab qiv nyiaj - suav rau 10% ntawm koj cov qhab nia credit. Rau cov neeg uas xav kom nkag mus rau hauv 800s, nws tuaj yeem tsim nyog them nyiaj rau, Schulz tau sau tseg, txawm hais tias nws tsis yog qhov tseem ceeb tshaj plaws ntawm cov qhab nia credit.
"Thaum koj sib xyaw koj cov kab qiv nyiaj, qhov ntawd tuaj yeem pab tau rau koj cov qhab nia credit. Txawm li cas los xij, nws tsis yog ib yam uas koj yuav tsum nkag mus rau hauv me ntsis, "Schulz hais. "Koj yuav tsum tsis txhob tau txais qiv nyiaj uas koj tsis xav tau vim koj xav txhim kho koj cov credit mix. Tab sis yog tias koj tab tom nrhiav kev qiv nyiaj rau qee yam xws li kev sib sau ua ke lossis kev hloov kho thiab siv tau qhov qiv nyiaj es tsis txhob them koj daim npav rho nyiaj, nws yuav muaj txiaj ntsig. "
Lawv tsis dhia ntawm qhov muab credit
Cov neeg siv khoom nrog 800-ntxiv cov qhab nia credit tau ceev faj ntxiv txog kev qhib cov nyiaj qiv nyiaj tshiab. Qhov nruab nrab ntawm cov lus nug txog credit - thaum tus qiv nyiaj rub tawm daim ntawv tshabxo qiv nyiaj los ua daim ntawv thov - rau daim npav rho nyiaj tshiab tsuas yog 1.8 hauv ob xyoos dhau los.
Cov nyiaj qiv nyiaj tshiab tuaj yeem ua 10% ntawm koj cov qhab nia credit, raws li Schulz, thiab nyob twj ywm hauv koj daim ntawv tshabxo nuj nqi rau ob xyoos. Feem ntau, koj qhov qhab nia credit yuav raug ntaus thaum koj thov qiv nyiaj tshiab, tab sis qhov cuam tshuam tsis zoo tom qab rau lub hlis.
Schulz tau hais tias "Cov txiaj ntsig tau pom tias tib neeg feem ntau tau ceev faj txog kev thov qiv nyiaj," Schulz tau hais. "Tus neeg nruab nrab uas tsuas yog xav tsim lawv cov qhab nia credit qhib cov nyiaj qiv nyiaj tshiab raws li lawv xav tau - tsis tas rau lwm yam laj thawj."
Gabriella yog tus kws tshaj lij nyiaj txiag tus kheej ntawm Yahoo Finance. Ua raws nws ntawm Twitter @__gabriellacruz.
Nyeem cov xov xwm tshiab nyiaj txiag thiab lag luam los ntawm Yahoo Finance
Rub tawm Yahoo Nyiaj Txiag app rau Kua or Android
Ua raws li Yahoo Finance Twitter, Facebook, Instagram, Flipboard, LinkedIn, Thiab YouTube.
Tau qhov twg los: https://finance.yahoo.com/news/5-habits-people-with-near-perfect-credit-scores-have-210726854.html