[quote:f02e3835a3="AYK"] понаблюдал за свим credit score [/quote:f02e3835a3]
А как вы наблюдаете?
Дайте линк на подобный сервис.
И я слышал, что частые запросы этого сервиса уменьшают этот самый score.
Так ли это?
Наблюдения за credit score
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WildVlad
- Уже с Приветом
- Posts: 3982
- Joined: 13 Jul 2000 09:01
- Location: SVX -> BOS -> BUR -> SJC
Re: Наблюдения за credit score
[quote:2014849bdb="XPert"][quote:2014849bdb="AYK"] понаблюдал за свим credit score [/quote:2014849bdb]
А как вы наблюдаете?
Дайте линк на подобный сервис.
И я слышал, что частые запросы этого сервиса уменьшают этот самый score.
Так ли это?[/quote:2014849bdb]
www.experian.com
- там дальше по ссылкам на CreditExpert
Некоторые запросы не считаются. В частности, к ним относятся запросы через CreditExpert.
А как вы наблюдаете?
Дайте линк на подобный сервис.
И я слышал, что частые запросы этого сервиса уменьшают этот самый score.
Так ли это?[/quote:2014849bdb]
www.experian.com
- там дальше по ссылкам на CreditExpert
Некоторые запросы не считаются. В частности, к ним относятся запросы через CreditExpert.
I hated LA
-
AYK
- Уже с Приветом
- Posts: 202
- Joined: 27 Jul 2002 01:37
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olley
- Мистер Привет 2015
- Posts: 7606
- Joined: 26 Mar 2002 10:01
- Location: San Diego
[/quote:bcd579e054]
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AYK
- Уже с Приветом
- Posts: 202
- Joined: 27 Jul 2002 01:37
Дурдом какой-то с этим credit score моим (смотрите начало топика). На конец августа он был 683, а с 1 сентября стал ... 739 
Что произошло? У меня было 4 кредитки - и все их у меня украли вместе с бумажником.Я их заблокировал, старые погасил балансы полностью, получил новые - но активировал только одну - с самым большим лимитом ($5К), которую практически не использовал (ну 100 баксов). Месяц прошел, история прорефрешилась - и вот тебе!!!
Ну и еще "годовщина" кредитной истории состоялась - первую кредитку я получил в августе прошлого года.
Из интересных записей в кредитрепорте появилась:
"The total credit extended to you across all your accounts is greater than the average in your credit category "
- то есть видимо сыграло роль то, что средний размер лимита по картам у меня стал $5K. Ну и что кредитной истории год стукнул. В недостатках написано то, что у меня "две или менее кредитных карты". Активизировать что-ли еще пару - и посмотреть, что получится?
Что произошло? У меня было 4 кредитки - и все их у меня украли вместе с бумажником.Я их заблокировал, старые погасил балансы полностью, получил новые - но активировал только одну - с самым большим лимитом ($5К), которую практически не использовал (ну 100 баксов). Месяц прошел, история прорефрешилась - и вот тебе!!!
Ну и еще "годовщина" кредитной истории состоялась - первую кредитку я получил в августе прошлого года.
Из интересных записей в кредитрепорте появилась:
"The total credit extended to you across all your accounts is greater than the average in your credit category "
- то есть видимо сыграло роль то, что средний размер лимита по картам у меня стал $5K. Ну и что кредитной истории год стукнул. В недостатках написано то, что у меня "две или менее кредитных карты". Активизировать что-ли еще пару - и посмотреть, что получится?
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OLK
- Новичок
- Posts: 49
- Joined: 10 Apr 2002 09:01
What factors lower your credit score:
Length of Credit History : You opened your first credit account 4 years and 11 months ago.
This may not include accounts you closed more than 7 years ago.
This is making your score lower. Having had credit accounts for a long time is a positive factor because your history gives lenders information to evaluate how you typically use credit and repay your debts. Credit reports with approximately 30 years of history are considered optimal. Meanwhile, up to 7 years of credit history is considered short, and less than 3 years of history is considered too little. It is worth noting that your accounts may have been open longer than your report suggests, if lenders were slow to report them to the bureaus. What matters is how long your accounts have been in your report.
Credit Accounts : The average amount of your credit accounts is $1,441.
This includes loan amounts for fixed-payment ("installment") loans as well as limits on your revolving accounts (such as credit and retail cards).
This is making your score lower. Having a high amount of credit is a positive factor because it indicates to lenders that other lenders have trusted you by lending you money in the past. Meanwhile, having a low amount of credit is a negative factor because it indicates that either you are just starting to use credit or you have missed payments in the past. If you are just starting to use credit, lenders do not have information to evaluate how you typically use credit and repay your debts. If you have missed payments, you have demonstrated that you do not pay on time, and lenders may worry that you will not repay them.
What factors raise your credit score:
Payment History : You have never missed a payment, and no negative public records are listed on your credit report.
This is making your score higher. Missing payments is a negative factor. Some cases are worse than others. For example, if you have not missed any payments recently, lenders may think you are (or have become) responsible and do not (or will no longer) miss payments. Also, missing payments on only a few accounts is not as harmful as missing payments on most or all of your accounts, because lenders realize that many people miss a payment (or pay late) once in a while. Also, missing a single payment is not as harmful as missing several consecutive payments because many lenders consider missing 3 or more consecutive payments as an indication that you may never repay them. Finally, it is not as harmful to miss payments on accounts with low balances as it is on accounts with high balances because lenders stand to lose less money on low balances if they remain unpaid.
Credit Usage : On average, you currently owe $32 on each of your credit cards.
This only includes your open accounts.
This is making your score higher. High balances are a negative factor (except for some types of installment loans such as mortgages and auto loans), because lenders worry that you are living beyond your means and may not be able to repay them. This is particularly true with credit card debts. Lenders do evaluate how much you owe (your debt) in relation to how much you earn (your income). However, changes in your employment and income, or certain life events (such as divorce or illness), may cause difficulty for you to pay your monthly bills. Meanwhile, low balances are a positive factor because lenders do not stand to lose too much if you become unable to repay them. However, never using your credit cards may be considered a negative factor. First, it does not provide lenders with information about how you typically use credit and repay your debts. Second, it also means that you have a lot of available credit, which you may decide to use if you experience financial trouble.
Credit Applications : You did not apply for credit in the past 6 months.
This is making your score higher. When you apply for any type of credit (such as a mortgage, auto loan, credit card, department store card, etc.), your credit history is checked by the lender considering your application, and it is noted on your report as an "inquiry." Although inquiries are a natural result of applying for credit, lenders dislike seeing many within a short period of time. This is because it is hard for them to determine whether you are applying with different lenders in a search for the best offer or if you are desperately trying to obtain credit because of financial trouble. Remember, making many applications in a short period of time could hurt your credit score. Therefore, try to limit your comparison to a small number of lenders when "shopping" for the best offer.
https://qspace.iplace.com/cobrands/23/3D_sample6a.asp
Length of Credit History : You opened your first credit account 4 years and 11 months ago.
This may not include accounts you closed more than 7 years ago.
This is making your score lower. Having had credit accounts for a long time is a positive factor because your history gives lenders information to evaluate how you typically use credit and repay your debts. Credit reports with approximately 30 years of history are considered optimal. Meanwhile, up to 7 years of credit history is considered short, and less than 3 years of history is considered too little. It is worth noting that your accounts may have been open longer than your report suggests, if lenders were slow to report them to the bureaus. What matters is how long your accounts have been in your report.
Credit Accounts : The average amount of your credit accounts is $1,441.
This includes loan amounts for fixed-payment ("installment") loans as well as limits on your revolving accounts (such as credit and retail cards).
This is making your score lower. Having a high amount of credit is a positive factor because it indicates to lenders that other lenders have trusted you by lending you money in the past. Meanwhile, having a low amount of credit is a negative factor because it indicates that either you are just starting to use credit or you have missed payments in the past. If you are just starting to use credit, lenders do not have information to evaluate how you typically use credit and repay your debts. If you have missed payments, you have demonstrated that you do not pay on time, and lenders may worry that you will not repay them.
What factors raise your credit score:
Payment History : You have never missed a payment, and no negative public records are listed on your credit report.
This is making your score higher. Missing payments is a negative factor. Some cases are worse than others. For example, if you have not missed any payments recently, lenders may think you are (or have become) responsible and do not (or will no longer) miss payments. Also, missing payments on only a few accounts is not as harmful as missing payments on most or all of your accounts, because lenders realize that many people miss a payment (or pay late) once in a while. Also, missing a single payment is not as harmful as missing several consecutive payments because many lenders consider missing 3 or more consecutive payments as an indication that you may never repay them. Finally, it is not as harmful to miss payments on accounts with low balances as it is on accounts with high balances because lenders stand to lose less money on low balances if they remain unpaid.
Credit Usage : On average, you currently owe $32 on each of your credit cards.
This only includes your open accounts.
This is making your score higher. High balances are a negative factor (except for some types of installment loans such as mortgages and auto loans), because lenders worry that you are living beyond your means and may not be able to repay them. This is particularly true with credit card debts. Lenders do evaluate how much you owe (your debt) in relation to how much you earn (your income). However, changes in your employment and income, or certain life events (such as divorce or illness), may cause difficulty for you to pay your monthly bills. Meanwhile, low balances are a positive factor because lenders do not stand to lose too much if you become unable to repay them. However, never using your credit cards may be considered a negative factor. First, it does not provide lenders with information about how you typically use credit and repay your debts. Second, it also means that you have a lot of available credit, which you may decide to use if you experience financial trouble.
Credit Applications : You did not apply for credit in the past 6 months.
This is making your score higher. When you apply for any type of credit (such as a mortgage, auto loan, credit card, department store card, etc.), your credit history is checked by the lender considering your application, and it is noted on your report as an "inquiry." Although inquiries are a natural result of applying for credit, lenders dislike seeing many within a short period of time. This is because it is hard for them to determine whether you are applying with different lenders in a search for the best offer or if you are desperately trying to obtain credit because of financial trouble. Remember, making many applications in a short period of time could hurt your credit score. Therefore, try to limit your comparison to a small number of lenders when "shopping" for the best offer.
https://qspace.iplace.com/cobrands/23/3D_sample6a.asp