Yuav nrhiav dab tsi hauv koj daim ntawv tshabxo nuj nqi kom txo cov nqi qiv

Koj qhov qhab nia credit tuaj yeem ua lossis tawg koj lub peev xwm qhib daim npav rho nyiaj lossis yuav lub tsheb tshiab lossis tsev ntawm txaus nyiam cov paj laum.

Txhawm rau txhawb koj cov qhab nia, koj yuav tsum paub qhov twg koj yuav tsum tau txhim kho.

Khaws cov tab ntawm koj daim ntawv tshabxo nuj nqi - uas qhia txog koj cov nuj nqis, keeb kwm them nqi thiab lwm yam ntaub ntawv nyiaj txiag - tuaj yeem pab koj ua qhov ntawd.

Peb lub koom haum tshaj tawm txog credit - Equifax, Experian thiab TransUnion - tsis ntev los no tau txuas ntxiv muaj cov ntawv qhia nyiaj pub dawb txhua lub limtiam rau cov neeg siv khoom mus txog rau thaum xaus ntawm 2023. Raws li txoj cai, cov neeg siv khoom muaj cai tau txais ib qho txhua 12 lub hlis los ntawm txhua lub koom haum, tab sis thaum lub sijhawm muaj kev sib kis, cov tuam txhab tau nthuav dav nkag mus rau kev kuaj dawb txhua lub lis piam.

Cov ntawv ceeb toom muaj nyob rau ntawm Daim Ntawv Qhia Txog Nyiaj Txiag Txhua Xyoo Lub website.

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"Peb ib txwm pom zoo ib xyoos ib zaug, tsawg kawg, ib txwm tshawb xyuas koj daim ntawv tshabxo nuj nqi ntawm xyoo credit report.com, "hais tias Trent Graham, qhov kev ua tau zoo thiab tus kws tshaj lij kev pov hwm zoo ntawm GreenPath Financial Wellness, lub koom haum tsis muaj txiaj ntsig muab kev pab cuam tawm tswv yim pub dawb.

Thaum daim ntawv tshaj tawm dawb credit koj yuav tsis pom koj cov qhab nia credit, nws tuaj yeem muab cov lus qhia txog yuav ua li cas txhawb tus lej ntawd. Koj ua tau nkag mus rau koj qhov qhab nia credit los ntawm kev them nyiaj rau nws los ntawm ib qho ntawm peb lub koom haum qhia txog credit, lossis nkag mus rau nws dawb los ntawm koj lub tuam txhab credit card yog tias nws muaj qhov perk.

Hais txog cov qhab nia credit, txhua yam hauv 700 ntau lossis siab dua yog feem ntau "zoo nkauj," Graham hais. Qhov ze dua koj cov qhab nia tau mus rau qhov siab 700s lossis 800s - nce mus txog cov qauv qhab nia zoo tshaj plaws ntawm 850 - qhov zoo dua koj yuav, nws hais.

Cov qhab nia nruab nrab ntawm lub teb chaws tsis ntev los no tau mus txog ib qho tag nrho lub sij hawm siab ntawm 716, raws li FICO.

Koj qhov qhab nia credit yuav txawv me ntsis los ntawm tus kws kho mob.

A NerdWallet kev tshawb fawb tsis ntev los no pom ntau tshaj li ib feem peb ntawm cov neeg teb - 27% - hais tias lawv cov qhab nia credit tau nce txij li qhov pib ntawm Covid-19 kev sib kis, thaum 14% tau pom lawv cov qhab nia poob.

Yog tias koj tab tom nrhiav kev txhawb nqa koj cov qhab nia credit, khaws ob qhov tseem ceeb hauv siab - them koj cov nqi raws sijhawm thiab ua kom koj cov nuj nqis qis - yuav pab tau.

"Qhov ntawd yog 65% ntawm lawv cov qhab nia credit nyob ntawd," Graham hais. "Qhov ntau lawv tsom mus rau ob pawg tseem ceeb, qhov zoo dua lawv cov qhab nia feem ntau yuav txhim kho."

Yog tias koj them tus nqi ntau dua 30 hnub lig, qhov yuam kev ntawd nyob ntawm koj daim ntawv tshabxo nuj nqi rau xya xyoo, raws li Graham.

Tab sis cov xov xwm zoo yog qhov ntev dua koj them nyiaj raws sijhawm yam tsis poob qab, qhov ntau koj cov qhab nia yuav pib txhim kho, nws hais.

Graham hais tias "Nws tsis yog kev kho lub sijhawm luv luv, zoo li ib mus rau ob lub hlis ntawm kev them nyiaj raws sijhawm," Graham hais. “Nws tuaj yeem kho tau; nws tsuas yog siv sijhawm qee lub sijhawm. "

Koj daim ntawv tshaj tawm tseem yuav qhia koj qhov kev siv credit, lossis koj muaj nuj nqis npaum li cas piv rau koj cov credit txwv. Qhov zoo tshaj plaws, koj xav kom muaj qis dua 30% kev siv.

Cov nuj nqis yog qhov tseem ceeb rau cov neeg uas tau pom lawv cov qhab nia credit txav txij thaum pib muaj kev sib kis, raws li NerdWallet qhov kev tshawb fawb.

Ntawm cov neeg uas pom lawv cov qhab nia credit nce, 69% hais tias nws yog vim them cov nuj nqis. Lub caij no, yuav luag ib nrab - 47% - leej twg pom lawv cov qhab nia qis hais tias yog vim li cas noj ntau dua.

Lwm yam tseem ceeb kuj suav nrog hauv koj cov qhab nia credit, raws li Graham, suav nrog qhov ntev ntawm keeb kwm credit, uas sawv cev txog 15%; ntau hom credit thiab siv, 10%; thiab daim ntawv thov rau credit tshiab, 10%.

Txawm hais tias cov xwm txheej no tsis hnyav hnyav, tej zaum koj yuav xav ua tib zoo xav ua ntej kaw tus account laus, yog li txo koj qhov credit muaj.

NerdWallet qhov kev tshawb fawb pom 46% ntawm cov neeg teb tsis raug ntseeg tias kaw daim npav rho nyiaj yuav pab koj cov qhab nia credit.

Kev thov ntau dhau rau cov credit tshiab tuaj yeem ua rau koj qhov qhab nia.

Koj daim ntawv tshabxo nuj nqi yuav pab koj txheeb xyuas cov nyiaj uas tau qhib ntev tshaj plaws thiab muaj pes tsawg tus nug txog koj daim ntawv tshaj tawm.

Koj daim ntawv tshabxo nuj nqi yuav muaj cov ntaub ntawv tsis raug, thiab qhov ntawd tuaj yeem ua rau koj cov qhab nia credit.

Yog tias koj pom qhov yuam kev, koj tuaj yeem sau daim ntawv tsis txaus siab nrog txhua ntawm peb lub tuam txhab credit. Nws feem ntau siv sijhawm 30 hnub kom muaj cov lus thov hais txog, Graham tau hais.