Fannie Mae, Freddie Mac siv lwm cov qhab nia credit: Nws txhais li cas rau cov neeg yuav tsev

Sandra Thompson, tus thawj coj ntawm FHFA, "Cov tuam txhab tau tso siab ntev rau classic FICO, thiab nws tau ntsib lawv cov kev xav tau yooj yim," hais tias nyob rau hauv Nashville, Tenn., tab sis "nws yog lub sij hawm los paub txog qhov tseem ceeb ntawm kev tsim kho tshiab uas tau tshwm sim hauv kev ua qauv ntawm cov qhab nia credit."

VantageScore Thawj Tswj Hwm thiab CEO Silvio Tavares tau hais tias qhov kev txiav txim siab suav nrog lub tuam txhab cov qauv qiv nyiaj "ua rau lub sijhawm tshiab thiab muaj kev ncaj ncees ntau dua ntawm kev suav nyiaj txiag" thiab ntxiv tias "FHFA qhov kev txiav txim yuav ua rau ntau lab tus neeg Asmeskas tsim nyog tau txais kev qiv nyiaj qiv nyiaj."

Fannie thiab Freddie yog cov koom haum tsim los ntawm Congress, thiab yog tsoomfwv txhawb nqa cov tsev qiv nyiaj. Lawv lav feem ntau ntawm cov nqi tsev ua nyob rau hauv Teb Chaws Asmeskas, ntau tus qiv nyiaj ua raws li cov cai tau teev tseg los ntawm Fannie thiab Freddie thaum lawv muab qiv nyiaj rau cov neeg qiv nyiaj.

Rau ob lub xyoo dhau los, Fannie Mae
FNMA,
+ 2.64%
thiab Freddie Mac
FMCC,
+ 0.04%
muaj tso siab rau cov qhab nia tsim los ntawm FICOlos yog Fair Isaac Corp.
FICO,
+ 3.49%,
kom nkag siab txog cov neeg qiv nyiaj muaj peev xwm them rov qab cov nyiaj qiv. Cov qhab nia credit tsis tsuas yog cuam tshuam rau kev sau nyiaj qiv, lawv tseem cuam tshuam rau tus nqi qiv, kev sib koom ua lag luam, kev nthuav tawm kev lag luam, thiab lwm yam. 

Xyoo 2017, Senate daim nqi tau tshaj tawm tias cov koom haum tau txais lwm cov qauv kev sib tw, tshwj xeeb yog vim qhov tseeb tias cov qhab nia credit ib txwm zoo li cov tsim los ntawm FICO tsuas yog xav txog seb cov neeg qiv nyiaj tau them cov nuj nqis xws li qiv tsev thiab credit cards.

Nrog FICO 10T thiab VantageScore 4.0 hloov Classic FICO, kev ntseeg yog tias cov qhab nia credit tau tshaj tawm yuav raug ntau dua thiab suav nrog, FHFA tau hais.

Ob leeg FICO 10T VantageScore yuav saib ntau yam ntawm cov ntaub ntawv keeb kwm kev them nyiaj rau cov neeg qiv, los ntawm cov nqi xov tooj ntawm tes mus rau cov nqi hluav taws xob thiab cov nqi xauj tsev, los txiav txim qhov tsim nyog credit.

Cov qhab nia credit ntau dua yog, kev nkag siab zoo dua ntawm kev pheej hmoo uas cov lag luam thiab cov tub ua lag luam tau txais. Qhov ntawd kuj tseem muaj peev xwm nthuav dav nkag mus rau credit rau cov neeg qiv nrog "cov keeb kwm qiv nyiaj tsawg dua," Thompson tau hais.

Qhov kev txav los ntawm FHFA tau ua ntev ntev hauv kev tsim, Chi Chi Wu, tus kws lij choj cov neeg ua haujlwm ntawm National Consumer Law Center, hais rau MarketWatch.

"Peb tau ua haujlwm rau qhov no txij li xyoo 2014, hais kom FHFA hloov kho cov qauv qhab nia credit," Wu hais. "Thiab peb yuav tsum muab kev qhuas rau Sandra Thompson rau qhov ua tau rub lub cim ntawm qhov no, vim tias nws cov thawj coj tau ncaws lub peev xwm ntawm txoj kev."

"Yog li qhov kev txiav txim siab tshwj xeeb no yog qhov zoo ... [vim] cov qauv qhab nia credit yuav tsum tau hloov kho ntev dhau los," Wu ntxiv.

Siv cov qhab nia credit dhau FICO yuav qhib kev nkag mus rau credit rau kwv yees li 72,000 ntau tsev neeg txhua xyooRaws li kev tshawb fawb xyoo 2015 los ntawm VantageScore, tus qhab nia tsim los ntawm peb lub tuam txhab credit-reporting tseem ceeb Experian
EXPGF,
-0.49%,
TransUnion
TRU,
-1.29%
thiab Equifax
EFX,
+ 0.95%.

Tsis tas li ntawd, 16% ntau haiv neeg Mev thiab African-Asmeskas cov tsev neeg yuav tau txais kev nkag mus rau nqi tsev.

Tau txais kev xav ntawm kev lag luam vaj tsev? Sau rau MarketWatch reporter Aarthi Swaminathan ntawm [email tiv thaiv]