{"id":462,"date":"2021-10-02T18:12:57","date_gmt":"2021-10-03T02:12:57","guid":{"rendered":"https:\/\/www.xiaojeff.com\/?p=462"},"modified":"2023-10-12T22:39:46","modified_gmt":"2023-10-13T06:39:46","slug":"what-is-credit-score","status":"publish","type":"post","link":"https:\/\/www.xiaojeff.com\/what-is-credit-score\/","title":{"rendered":"\u3010\u65b0\u624b\u6559\u5b78\u3011\u7f8e\u570b\u4fe1\u7528\u5206\u6578\u662f\u4ec0\u9ebc\uff1fCredit Score\/Credit Report\u5b8c\u6574\u4ecb\u7d39"},"content":{"rendered":"\n<p>\u7f8e\u570b\u662f\u4e00\u500b\u4fe1\u7528\u793e\u6703\uff0c\u975e\u5e38\u6ce8\u91cd\u6bcf\u500b\u4eba\u7684\u4fe1\u7528\u5206\u6578 (Credit Score)\uff0c\u6703\u6839\u64da\u6bcf\u500b\u4eba\u7684\u6d88\u8cbb\u7fd2\u6163\u3001\u501f\u8cb8\u7fd2\u6163\uff0c\u751f\u7522\u51fa\u76f8\u5c0d\u61c9\u7684\u4fe1\u7528\u5206\u6578\uff0c\u800c\u9019\u500b\u5206\u6578\u662f\u6703\u8b8a\u7684\uff0c\u800c\u9019\u4e00\u500b\u500b\u7684\u4fe1\u7528\u6b77\u53f2\u7d00\u9304 (credit history) \u6703\u8b8a\u6210\u4e00\u500b\u4fe1\u7528\u5831\u544a (credit report)\uff0c\u9019\u500b\u4fe1\u7528\u5206\u6578\u3001\u4fe1\u7528\u6b77\u53f2\u3001\u4fe1\u7528\u5831\u544a\uff0c\u5c07\u6703\u5f71\u97ff\u4f60\u53ef\u4e0d\u53ef\u4ee5\u9806\u5229\u7533\u8acb\u5230\u4fe1\u7528\u5361\u3001\u80fd\u4e0d\u80fd\u7533\u8acb\u5230\u8eca\u8cb8\u3001\u623f\u8cb8\uff0c\u4ee5\u53ca\u516c\u5bd3\u79df\u623f\u7684\u5be9\u6838\u3002<\/p>\n\n\n\n<p>\u9019\u4e00\u7bc7\u6587\u7ae0\u5c07\u6703\u4ecb\u7d39\uff1a<strong>\u4ec0\u9ebc\u662f\u4fe1\u7528\u5206\u6578<\/strong>\uff1f<strong>\u4fe1\u7528\u5206\u6578\u7684\u7d44\u6210<\/strong>\uff1f<strong>\u70ba\u4ec0\u9ebc\u4fe1\u7528\u5206\u6578\u5f88\u91cd\u8981<\/strong>\uff1f<strong>\u5982\u4f55\u6709\u4fe1\u7528\u5206\u6578<\/strong>\uff1f<strong>\u7f8e\u570b\u4fe1\u7528\u5206\u6578\u67e5\u8a62<\/strong>\uff1f\u548c<strong>\u5982\u4f55\u589e\u52a0\u4fe1\u7528\u5206\u6578<\/strong>\uff1f\u751a\u81f3<strong>\u5982\u4f55\u7dad\u6301\u4fe1\u7528\u8a55\u5206\u5728700\u5206\u4ee5\u4e0a<\/strong>\uff01<\/p>\n\n\n\n<div 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href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E5%A6%82%E4%BD%95%E6%9F%A5%E8%A9%A2%E4%BD%A0%E7%9A%84%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8\" title=\"\u5982\u4f55\u67e5\u8a62\u4f60\u7684\u4fe1\u7528\u5206\u6578\">\u5982\u4f55\u67e5\u8a62\u4f60\u7684\u4fe1\u7528\u5206\u6578<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E9%81%B8%E6%93%87%E4%B8%80%EF%BC%9A%E6%9F%A5%E4%BF%A1%E7%94%A8%E5%B1%80AnnualCreditReportcom\" title=\"\u9078\u64c7\u4e00\uff1a\u67e5\u4fe1\u7528\u5c40AnnualCreditReport.com\">\u9078\u64c7\u4e00\uff1a\u67e5\u4fe1\u7528\u5c40AnnualCreditReport.com<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E9%81%B8%E6%93%87%E4%BA%8C%EF%BC%9A%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B6%B2%E4%B8%8A%E5%B8%B3%E6%88%B6\" title=\"\u9078\u64c7\u4e8c\uff1a\u4fe1\u7528\u5361\u7db2\u4e0a\u5e33\u6236\">\u9078\u64c7\u4e8c\uff1a\u4fe1\u7528\u5361\u7db2\u4e0a\u5e33\u6236<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E9%81%B8%E6%93%87%E4%B8%89%EF%BC%9AMintcom\" title=\"\u9078\u64c7\u4e09\uff1aMint.com\">\u9078\u64c7\u4e09\uff1aMint.com<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E9%81%B8%E6%93%87%E5%9B%9B%EF%BC%9ACredit_Karma\" title=\"\u9078\u64c7\u56db\uff1aCredit Karma\">\u9078\u64c7\u56db\uff1aCredit Karma<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E4%BF%A1%E7%94%A8%E5%A0%B1%E5%91%8A_Credit_Reports_%E5%8C%85%E5%90%AB%E4%BB%80%E9%BA%BC%E8%A8%8A%E6%81%AF%EF%BC%9F\" title=\"\u4fe1\u7528\u5831\u544a (Credit Reports) \u5305\u542b\u4ec0\u9ebc\u8a0a\u606f\uff1f\">\u4fe1\u7528\u5831\u544a (Credit Reports) \u5305\u542b\u4ec0\u9ebc\u8a0a\u606f\uff1f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#Hard_Pull%E5%92%8CSoft_Pull%E7%9A%84%E5%B7%AE%E5%88%A5\" title=\"Hard Pull\u548cSoft Pull\u7684\u5dee\u5225\">Hard Pull\u548cSoft Pull\u7684\u5dee\u5225<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E6%B6%88%E9%99%A4%E4%B8%8D%E8%89%AF%E4%BF%A1%E7%94%A8%E7%B4%80%E9%8C%84%E7%9A%84%E6%96%B9%E6%B3%95\" title=\"\u6d88\u9664\u4e0d\u826f\u4fe1\u7528\u7d00\u9304\u7684\u65b9\u6cd5\">\u6d88\u9664\u4e0d\u826f\u4fe1\u7528\u7d00\u9304\u7684\u65b9\u6cd5<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E6%83%85%E6%B3%81%E4%B8%80%EF%BC%9A%E5%A0%B1%E5%91%8A%E4%B8%8A%E9%9D%A2%E6%9C%89%E9%8C%AF\" title=\"\u60c5\u6cc1\u4e00\uff1a\u5831\u544a\u4e0a\u9762\u6709\u932f\">\u60c5\u6cc1\u4e00\uff1a\u5831\u544a\u4e0a\u9762\u6709\u932f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E6%83%85%E6%B3%81%E4%BA%8C%EF%BC%9A%E5%BF%98%E8%A8%98%E4%BB%98%E6%AC%BE\" title=\"\u60c5\u6cc1\u4e8c\uff1a\u5fd8\u8a18\u4ed8\u6b3e\">\u60c5\u6cc1\u4e8c\uff1a\u5fd8\u8a18\u4ed8\u6b3e<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/#%E7%B8%BD%E7%B5%90\" title=\"\u7e3d\u7d50\">\u7e3d\u7d50<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span><strong>\u4fe1\u7528\u5206\u6578\u662f\u4ec0\u9ebc\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u7f8e\u570b\uff0c\u4fe1\u7528\u5c40\u6703\u6839\u64da\u4f60\u7684\u65e5\u5e38\u6d88\u8cbb\u884c\u70ba\uff0c\u548c\u500b\u4eba\u501f\u8cb8\u884c\u70ba\uff0c\u505a\u51fa\u4e00\u500b\u4fe1\u7528\u5831\u544a\uff0c\u4e26\u4e14\u6578\u503c\u5316\u6210\u4e00\u500b\u6578\u5b57\uff0c\u53c8\u7a31\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<p>\u9019\u500b\u6578\u503c\uff0c\u6211\u5011\u7a31\u70baFICO\u4fe1\u7528\u5206\u6578 (\u7531Fair Isaac Corporation\u516c\u53f8\u5236\u8a02\u51fa\u4f86\u7684)\uff0c\u6216\u662fVantageScore\uff0c\u8b93\u4f60\u7c21\u55ae\u4e86\u89e3\u81ea\u5df1\u7684\u5206\u6578\u5230\u5e95\u662f\u9ad8\u662f\u4f4e\uff0c\u800c\u7f8e\u570b9\u6210\u7684\u5927\u9280\u884c\u548c\u4fe1\u8cb8\u6a5f\u69cb\u90fd\u6703\u4ee5\u9019\u500b\u4fe1\u7528\u5206\u6578\u4f5c\u70ba\u8a55\u4f30\u6a19\u6e96\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FICO%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E7%AD%89%E7%B4%9A\"><\/span><strong>FICO\u4fe1\u7528\u5206\u6578\u7b49\u7d1a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>FICO\u4fe1\u7528\u5206\u6578\u7bc4\u570d\u5728300-850\u5206\u4e4b\u9593\uff0c\u5206\u6578\u8d8a\u597d\uff0c\u4ee3\u8868\u4fe1\u7528\u8d8a\u597d\uff0c\u5728\u4fe1\u8cb8\u6a5f\u69cb\u773c\u4e2d\uff0c\u501f\u7d66\u4f60\u9322\u7684\uff0c\u62ff\u4e0d\u56de\u4f86\u7684\u98a8\u96aa\u6703\u8d8a\u4f4e\uff0c\u6240\u4ee5\u4ed6\u5011\u6703\u66f4\u9858\u610f\u501f\u7d66\u4f60\u9322\u3002\u901a\u5e38\u4f86\u8aaa 750\u4ee5\u4e0a\u5c31\u53ef\u4ee5\u5b8c\u5168\u653e\u5fc3\uff0c\u4ee3\u8868\u4f60\u7684\u4fe1\u7528\u975e\u5e38\u597d\uff0c\u56e0\u70ba750-850\u4e4b\u9593\uff0c\u9019\u4e4b\u9593\u7684\u5229\u7387\u662f\u5dee\u4e0d\u591a\u7684\u3002\u6240\u4ee5\u4e0d\u7528\u8ffd\u6c42\u8981\u5230850\u5206\u3002\u800c669\u5206\u4ee5\u4e0b\uff0c\u5c31\u7b97\u4e0d\u592a\u597d\uff0c\u8d95\u5feb\u4e0b\u9762\u4ecb\u7d39\u7684\u8fa6\u6cd5\u63d0\u9ad8\u5427\uff01<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">FICO\u4fe1\u7528\u5206\u6578\u7b49\u7d1a<\/h4>\n\n\n\n<ul>\n<li><strong>300 &#8211; 579 = Poor\uff08\u5dee) <\/strong>: \u4fe1\u7528\u5206\u6578\u975e\u5e38\u4f4e\uff0c\u57fa\u672c\u4e0a\u7533\u8acb\u4e0d\u5230\u4fe1\u7528\u5361\u548c\u5176\u4ed6\u8cb8\u6b3e\u3002<\/li>\n\n\n\n<li><strong>580 &#8211; 669 = Fair (\u4e00\u822c)<\/strong> : \u4fe1\u7528\u5206\u6578\u4f4e\u65bc\u5e73\u5747\u503c\uff0c\u53ef\u4ee5\u7533\u8acb\u5230\u8cb8\u6b3e\uff0c\u4f46\u5229\u606f\u901a\u5e38\u6bd4\u8f03\u9ad8\u3002<\/li>\n\n\n\n<li><strong>670 &#8211; 739 = Good (\u597d) <\/strong>: \u4fe1\u7528\u5206\u6578\u63a5\u8fd1\u5e73\u5747\u503c\uff0c\u53ef\u4ee5\u7533\u8acb\u5230\u8cb8\u6b3e\uff0c\u5229\u606f\u666e\u901a\u3002<\/li>\n\n\n\n<li><strong>740 &#8211; 799 = Very Good (\u975e\u5e38\u597d) <\/strong>: \u4fe1\u7528\u5206\u6578\u9ad8\u65bc\u5e73\u5747\u503c\uff0c\u53ef\u4ee5\u7533\u8acb\u5230\u4e0d\u932f\u7684\u8cb8\u6b3e\u3002<\/li>\n\n\n\n<li><strong>800 &#8211; 850 = Exceptional (\u6700\u597d)<\/strong> : \u4fe1\u7528\u5206\u6578\u6700\u9ad8\uff0c\u53ef\u4ee5\u62ff\u5230\u6700\u597d\u7684\u512a\u60e0\u548c\u5229\u7387\u3002<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"643\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/FICO-score-chart-1024x643.png\" alt=\"\" class=\"wp-image-463\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/FICO-score-chart-1024x643.png 1024w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/FICO-score-chart-300x188.png 300w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/FICO-score-chart-768x482.png 768w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/FICO-score-chart.png 1194w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">FICO score chart from Experian<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%82%BA%E4%BB%80%E9%BA%BC%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E5%BE%88%E9%87%8D%E8%A6%81\"><\/span><strong>\u70ba\u4ec0\u9ebc\u4fe1\u7528\u5206\u6578\u5f88\u91cd\u8981<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u4f60\u7533\u8fa6\u4fe1\u7528\u5361\u3001\u8cb7\u623f\u5e36\u6b3e\u3001\u8cb7\u8eca\u8cb8\u6b3e\u3001\u51fa\u79df\u623f\u5c4b\u6642\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u6216\u501f\u8cb8\u516c\u53f8\u6703\u67e5\u8a62\u4f60\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u4e26\u8abf\u51fa\u4f60\u7684\u4fe1\u7528\u5831\u544a\uff0c\u4f86\u6838\u51c6\u4f60\u7684\u4fe1\u7528\u5361\u7533\u8acb\uff0c\u548c\u6c7a\u5b9a\u8981\u4e0d\u8981\u7d66\u4f60\u8cb8\u6b3e\uff0c\u4e26\u6839\u64da\u4f60\u7684\u4fe1\u7528\u5206\u6578\u4f86\u6c7a\u5b9a\u8981\u6536\u4f60\u591a\u5c11\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u4e0d\u8981\u4ee5\u70ba\u4fe1\u7528\u5206\u6578\u6c92\u4ec0\u9ebc\uff0c\u5c31\u7b97\u53ea\u6709\u5dee\u4e00\u9ede\u9ede\uff0c\u751a\u81f3\u53ef\u4ee5\u8b93\u4f60\u518d\u8cb8\u6b3e\u8cb7\u623f\u5b50\u7684\u6642\u5019\uff0c\u7701\u4e0b\u5e7e\u842c\u584a\u7f8e\u91d1\u7684\u5229\u606f\uff0c\u6216\u751a\u81f3\u518d\u8cb7\u8eca\u7684\u6642\u5019\u53ef\u4ee5\u6709\u5f88\u597d\u7684\u5229\u7387\u3002\u4e0b\u9762\u662f\u6211\u89aa\u81ea\u9762\u81e8\u5230\u6c92\u6709\u4fe1\u7528\u5206\u6578\uff0c\u6216\u662f\u4fe1\u7528\u5206\u6578\u5f88\u4f4e\u7684\u4f8b\u5b50\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B2%92%E6%9C%89%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E7%9A%84%E4%BE%8B%E5%AD%90\"><\/span>\u6c92\u6709\u4fe1\u7528\u5206\u6578\u7684\u4f8b\u5b50<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u8cb7\u8eca<\/strong><\/h4>\n\n\n\n<p>\u5728\u5927\u5b78\u7562\u696d\u7684\u6642\u5019\uff0c\u6211\u548c\u6211\u540c\u5c46\u7684\u540c\u5b78\uff0c\u540c\u6642\u8cb8\u6b3e\u8cb7\u8eca\uff0c\u6211\u62ff\u5230\u7684\u5229\u7387\u662f2%\uff0c\u4f60\u5011\u731c\u6211\u670b\u53cb\u8cb8\u6b3e\u8cb7\u8eca\u62ff\u5230\u7684\u5229\u7387\u662f\u591a\u5c11\uff1f<\/p>\n\n\n\n<p>\u7b54\u6848\u662f\uff1a14%<\/p>\n\n\n\n<p>\u4ec0\u9ebc\uff01\u5c0d\u4f60\u6c92\u807d\u932f\uff0c\u56e0\u70ba\u4ed6\u6c92\u6709\u4fe1\u7528\u7d00\u9304\uff0c\u6240\u4ee5\u8cb8\u6b3e\u516c\u53f8\u7d66\u4ed6\u4e00\u500b\u975e\u5e38\u9ad8\u768414%\u5229\u7387\u3002\u800c\u6211\u56e0\u70ba\u5927\u4e00\u7684\u6642\u5019\u5c31\u7533\u8fa6\u4fe1\u7528\u5361\u4e86\uff0c\u4e26\u4e14\u6709\u597d\u597d\u4f7f\u7528\uff0c\u6709\u4e86730+\u4ee5\u4e0a\u7684\u4fe1\u7528\u5206\u6578\uff0c\u6211\u8cb7\u8eca\u8cb8\u6b3e\u7684\u5229\u7387\u662f2%\u3002<\/p>\n\n\n\n<p>\u7c21\u55ae\u4f86\u8aaa\u9019\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\u4ee5\u4e00\u53f0\u5169\u842c\u4e94\u7f8e\u91d1\u7684\u57fa\u672c\u6b3e\u6c7d\u8eca\uff0c\u6211\u670b\u53cb\u81f3\u5c11\u8981\u6bd4\u6211\u591a\u4ed8$3000\u7f8e\u91d1\u7684\u5229\u606f\u3002\u6240\u4ee5\u64c1\u6709\u597d\u7684\u4fe1\u7528\u5206\u6578\u5f88\u91cd\u8981\u3002<\/p>\n\n\n\n<p><strong>\u4e0b\u9762\u9019\u5f35\u7167\u7247\u662fForbes\u91dd\u5c0d\u4e0d\u540c\u4fe1\u7528\u5206\u6578\u5c0d\u8eca\u8cb8\u7684\u5229\u7387\u5f71\u97ff\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><img decoding=\"async\" width=\"1024\" height=\"771\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/credit-score-impact-on-auto-loan-interest-rate-1024x771.png\" alt=\"The impact of auto loan interest rate by credit score\" class=\"wp-image-494\" style=\"width:1024px;height:771px\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/credit-score-impact-on-auto-loan-interest-rate-1024x771.png 1024w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/credit-score-impact-on-auto-loan-interest-rate-300x226.png 300w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/credit-score-impact-on-auto-loan-interest-rate-768x579.png 768w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/10\/credit-score-impact-on-auto-loan-interest-rate.png 1046w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5716\u7247\u4f86\u81ea\uff1a<a href=\"https:\/\/www.forbes.com\/advisor\/credit-score\/what-credit-score-is-needed-to-buy-a-car\/\" target=\"_blank\" rel=\"noreferrer noopener\">Forbes<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u79df\u623f<\/strong><\/h4>\n\n\n\n<p>\u5728\u5927\u5b78\u7562\u696d\u5f8c\uff0c\u6211\u548c\u670b\u53cb\u5408\u79df\u516c\u5bd3\uff0c\u6211\u670b\u53cb\u525b\u4f86\u7f8e\u570b\uff0c\u9280\u884c\u5e33\u6236\u6c92\u6709\u4ec0\u9ebc\u9322\uff0c\u4e5f\u6c92\u6709\u4fe1\u7528\u5361\u548c\u5176\u4ed6\u501f\u8cb8\u6b3e\u7684\u7d00\u9304\u3002\u6240\u4ee5\u5728\u6211\u5011\u63d0\u4ea4\u7533\u8acb\u8868\u7684\u6642\u5019\uff0c\u516c\u5bd3\u51fa\u79df\u516c\u53f8\uff0c\u67e5\u4e0d\u5230\u6211\u670b\u53cb\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u56e0\u6b64\u4e0d\u653e\u5fc3\uff0c\u4e0d\u78ba\u8a8d\u4ed6\u80fd\u4e0d\u80fd\u6b63\u5e38\u4ed8\u51fa\u623f\u79df\uff0c\u6240\u4ee5\u8981\u6c42\u5fc5\u9808\u591a\u4ed8\u4e00\u500b\u6708\u7684\u62bc\u91d1\u3002<\/p>\n\n\n\n<p>\u539f\u672c\u51fa\u79df\u9019\u500b\u516c\u5bd3\uff0c\u5c31\u6709\u4e00\u500b\u6708\u7684\u62bc\u91d1 $4000 \uff0b\u52a0\u4e0a\u7b2c\u4e00\u500b\u6708\u7684\u623f\u79df $4000 \uff0b\u7533\u8acb\u8cbb $500 = $8500\u7f8e\u91d1\uff0c\u4f46\u7531\u65bc\u6211\u670b\u53cb\u6c92\u6709\u4fe1\u7528\u7d00\u9304\uff0c\u6240\u4ee5\u516c\u5bd3\u51fa\u79df\u516c\u53f8\uff0c\u8981\u6c42\u6211\u5011\u591a\u4ed8\u4e00\u500b\u6708$4000\u7f8e\u91d1\u7684\u984d\u5916\u62bc\u91d1\uff0c\u4ed6\u5011\u624d\u9858\u610f\u79df\u7d66\u6211\u5011\u3002<\/p>\n\n\n\n<p>\u4ec0\u9ebc\uff01\u4f60\u6c92\u807d\u932f\uff0c\u56e0\u70ba\u4f60\u6c92\u6709\u4fe1\u7528\u7d00\u9304\uff0c\u6240\u4ee5\u9023\u79df\u623f\uff0c\u90fd\u6709\u56f0\u96e3\uff0c\u9084\u53ef\u80fd\u9762\u81e8\u88ab\u62d2\u7d55\u7684\u5371\u96aa\u3002<\/p>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E7%9A%84%E7%B5%84%E6%88%90\"><\/span><strong>\u4fe1\u7528\u5206\u6578\u7684\u7d44\u6210<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u60f3\u8981\u63d0\u9ad8\u4fe1\u7528\u5206\u6578\uff0c\u5c31\u8981\u5148\u4e86\u89e3\u4f60\u7684\u4fe1\u7528\u5206\u6578\u662f\u5982\u4f55\u8a08\u7b97\u7684\u3002\u4e0b\u9762\u5217\u51fa\u5e02\u9762\u4e0a\u901a\u7528\u76842\u500b\u4fe1\u7528\u5206\u6578\u8a55\u5206\u6578\u503c\uff1aFICO Score \u548c VantageScore<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FICO_Score_Chart\"><\/span><strong>FICO Score Chart<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>FICO Score Factors<\/strong><\/td><td><strong>\u5f71\u97ff\u4f54\u6bd4<\/strong><\/td><\/tr><tr><td><strong>Payment History<\/strong> (<meta charset=\"utf-8\"><strong>\u9084\u6b3e\u6b77\u53f2\u7d00\u9304<\/strong>)<\/td><td><strong>35%<\/strong><\/td><\/tr><tr><td><strong>Amount Owed<\/strong> (<meta charset=\"utf-8\"><strong>\u8cb8\u6b3e\u7e3d\u984d <\/strong>)<\/td><td><strong>30%<\/strong><\/td><\/tr><tr><td>Length of Credit History (<meta charset=\"utf-8\">\u6b77\u53f2\u7d00\u9304\u9577\u5ea6)<\/td><td>15%<\/td><\/tr><tr><td>Credit Mix (<meta charset=\"utf-8\">\u4fe1\u8cb8\u985e\u578b)<\/td><td>10%<\/td><\/tr><tr><td>New Credit (<meta charset=\"utf-8\">\u65b0\u7684\u4fe1\u7528\u8cb8\u6b3e\u5e33\u6236)<\/td><td>10%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"VantageScore_Chart\"><\/span><strong>VantageScore Chart<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>VantageScore Factors<\/strong><\/td><td><strong>\u5f71\u97ff\u7a0b\u5ea6<\/strong><\/td><\/tr><tr><td><strong>Payment History<\/strong><\/td><td><strong>High Impact<\/strong><\/td><\/tr><tr><td><strong>Credit Card Utilization<\/strong><\/td><td><strong>High Impact<\/strong><\/td><\/tr><tr><td><strong>Derogatory Marks<\/strong><\/td><td><strong>High Impact<\/strong><\/td><\/tr><tr><td>Age of Credit History<\/td><td>Medium Impact<\/td><\/tr><tr><td>Total Accounts<\/td><td>Low Impact<\/td><\/tr><tr><td>Hard Inquiries<\/td><td>Low Impact<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FICO_Score_%E7%B5%84%E6%88%90%E5%9B%A0%E7%B4%A0%EF%BC%9A\"><\/span><strong>FICO Score \u7d44\u6210\u56e0\u7d20\uff1a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u56e0\u7d20\u3127\uff1a\u9084\u6b3e\u6b77\u53f2\u7d00\u9304 (Payment History) \u2192 35%<\/strong><\/h4>\n\n\n\n<p>\u9084\u6b3e\u7d00\u9304\u4e0d\u50c5\u4e0d\u542b\u4fe1\u7528\u5361\u5e33\u6236\u7684\u5e33\u55ae\u7e73\u4ea4\u60c5\u5f62\uff0c\u9084\u6709\u8eca\u8cb8\u3001\u623f\u8cb8\u3001\u5b78\u751f\u8cb8\u6b3e\u7b49\u5206\u671f\u4ed8\u6b3e\u5e33\u6236\uff0c\u4ed6\u6703\u7d00\u9304\u4f60\u662f\u5426\u6e96\u6642\u9084\u6b3e\u3001\u6709\u6c92\u6709\u9072\u4ea4 (late payment)\u3001\u6216\u4e0d\u9084\uff08default) \u7b49\u60c5\u5f62\uff0c\u6216\u662f\u7834\u7522 (bankrupt) \u6216\u55aa\u5931\u623f\u7522\u8d16\u56de\u6b0a (foreclosure) \u7b49\u60c5\u5f62\uff0c\u9019\u500b\u662f\u5f71\u97ff\u6700\u56b4\u91cd\u7684\u56e0\u7d20\uff0c\u4f54\u5168\u90e8\u768435%\u3002<\/p>\n\n\n\n<p>\u6703\u662f\u4f54\u6bd4\u6700\u5927\u7684\u56e0\u7d20\uff0c\u56e0\u70ba\u4f60\u4e0d\u80fd\u6e96\u6642\u7e73\u4ea4\u4f60\u7684\u8cb8\u6b3e\u3001\u6216\u4fe1\u7528\u5361\u5e33\u6236\uff0c\u4e0d\u50c5\u4ee3\u8868\u4f60\u662f\u6bd4\u8f03\u6c92\u6709\u4fe1\u7528\u7684\u4eba\uff0c\u4e5f\u4ee3\u8868\u8457\u501f\u4f60\u9322\u7684\u98a8\u96aa\u5f88\u9ad8\uff0c\u6709\u5f88\u5927\u6a5f\u6703\u6536\u4e0d\u56de\u4f60\u7684\u9322\u3002<\/p>\n\n\n\n<p>\u4e4b\u5f8c\uff0c\u5176\u4ed6\u8cb8\u6b3e\u516c\u53f8\uff0c\u4e5f\u4e0d\u9858\u610f\u501f\u4f60\u9322\uff0c\u56e0\u70ba\u4f60\u904e\u53bb\u5c31\u6709\u6c92\u6e96\u6642\u7e73\u9322\u7684\u7d93\u9a57\uff0c\u6216\u751a\u81f3\u7e73\u4ea4\u4e0d\u51fa\u4f86\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u56e0\u7d20\u4e8c\uff1a\u8cb8\u6b3e\u7e3d\u984d (Amounts Owed) \u2192 30%<\/strong><\/h4>\n\n\n\n<p>\u9019\u4e00\u9805\u5305\u542b\u4e86\u6240\u6709\u4fe1\u7528\u5e33\u6236\u4e0a\u7684\u7e3d\u984d\u5ea6\uff0c\u548c\u7e3d\u501f\u6b3e\u9918\u984d\uff0c\u6703\u8a08\u7b97\u4e0d\u540c\u985e\u578b\u7684\u8cb8\u6b3e\uff0c\u8cb8\u6b3e\u7684\u7e3d\u984d\u5ea6\u548c\u4fe1\u7528\u984d\u5ea6\u7684\u767e\u5206\u6bd4\u3002\u901a\u5e38\u767e\u5206\u6bd4\u5c0f\uff0c\u4fe1\u7528\u5206\u6578\u5c31\u6703\u9ad8\u3002<\/p>\n\n\n\n<p>\u9019\u5f88\u91cd\u8981\u662f\u56e0\u70ba\uff0c\u5982\u679c\u7528\u6236\u5df2\u7d93\u6709\u5f88\u591a\u8cb8\u6b3e\u4e86\uff0c\u90a3\u5982\u679c\u518d\u501f\u7d66\u4ed6\u5176\u4ed6\u8cb8\u6b3e\uff0c\u4ed6\u6709\u5f88\u5927\u7684\u53ef\u80fd\u6703\u7121\u6cd5\u6b63\u5e38\u511f\u9084\uff0c\u6240\u4ee5\u98a8\u96aa\u8f03\u9ad8\uff0c\u5c31\u6703\u9020\u6210\u4fe1\u7528\u5206\u6578\u4e0b\u964d\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u56e0\u7d20\u4e09\uff1a\u6b77\u53f2\u7d00\u9304\u9577\u5ea6 (Length of Credit History) \u2192 15%<\/strong><\/h4>\n\n\n\n<p>\u901a\u5e38\u4f60\u7684\u4fe1\u7528\u6b77\u53f2\u8d8a\u9577\u8d8a\u597d\uff0c\u4ee3\u8868\u8457\u4f60\u80fd\u9577\u6642\u9593\u7dad\u6301\u4fe1\u7528\u826f\u597d\u7684\u884c\u70ba\uff0c\u9019\u5c31\u8d8a\u80fd\u9ad4\u73fe\u9019\u500b\u4eba\u7684\u4fe1\u7528\u5ea6\u5f88\u9ad8\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u6216\u8cb8\u6b3e\u516c\u53f8\uff0c\u770b\u5230\u5f8c\u5c31\u6703\u66f4\u9858\u610f\u6838\u51c6\u9019\u6a23\u7684\u7528\u6236\u65b0\u7684\u4fe1\u7528\u5361\u6216\u8cb8\u6b3e\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u5efa\u8b70\u8d8a\u65e9\u7533\u8fa6\u4f60\u7684\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361\u8d8a\u597d\uff0c\u7136\u5f8c\u5efa\u8b70\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361\u662f\u4e0d\u7528\u5e74\u8cbb\u7684\uff0c\u6240\u4ee5\u4ee5\u5f8c\u6c92\u6709\u7e7c\u7e8c\u7528\u9019\u5f35\u4fe1\u7528\u5361\uff0c\u4e5f\u53ef\u4ee5\u6536\u8d77\u4f86\uff0c\u7dad\u6301\u4ed6\u7684\u958b\u5361\u6b77\u53f2\u7d00\u9304\u3002<br>\u9084\u6c92\u6709\u7533\u8fa6\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u670b\u53cb\uff0c\u53ef\u4ee5\u53c3\u8003<strong>\u9019\u7bc7 <a href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u65b0\u624b\u6559\u5b78\u3011\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u8a72\u600e\u9ebc\u9078\uff1f(2021) \u7559\u5b78\u751f\/\u7da0\u5361\/\u516c\u6c11\u90fd\u9069\u7528<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u56e0\u7d20\u56db\uff1a\u4fe1\u8cb8\u985e\u578b (Credit Mix) \u2192 10%<\/strong><\/h4>\n\n\n\n<p>\u4fe1\u7528\u8cb8\u6b3e\u5e33\u6236\u6709\u4e0d\u540c\u7a2e\u985e\uff0c\u4e3b\u8981\u662f\u4e0b\u9762\u4e09\u7a2e\uff1a<\/p>\n\n\n\n<ol>\n<li>Revolving Account \u6bcf\u500b\u6708\u4e0d\u5b9a\u9084\u6b3e\u6578\u984d\u7684\u5faa\u74b0\u5e33\u6236<\/li>\n\n\n\n<li>Installment Account \u8eca\u8cb8\u3001\u623f\u8cb8\u9019\u6a23\u8a2d\u5b9a\u6bcf\u500b\u6708\u8981\u56fa\u5b9a\u9084\u6b3e\u91d1\u984d\u7684\u5206\u671f\u4ed8\u6b3e\u5e33\u6236<\/li>\n\n\n\n<li>Open Account \u6c34\u96fb\u8cbb\u3001\u96fb\u8a71\u8cbb\u7b49\u5148\u4f7f\u7528\u5f8c\u5fa9\u9928\u7684\u958b\u653e\u5f0f\u5e33\u6236<\/li>\n<\/ol>\n\n\n\n<p>\u5982\u679c\u4e00\u500b\u4eba\u6709\u5f88\u591a\u4e0d\u540c\u985e\u578b\u7684\u4fe1\u7528\u8cb8\u6b3e\u5e33\u6236\uff0c\u800c\u4e14\u90fd\u7dad\u6301\u826f\u597d\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u8868\u793a\u9019\u500b\u4eba\u64c1\u6709\u540c\u6642\u7ba1\u7406\u591a\u500b\u5e33\u6236\u7684\u80fd\u529b\uff0c\u50cf\u6bd4\u53ea\u6709\u4e00\u500b\u4fe1\u7528\u5e33\u6236\uff0c\u6216\u55ae\u4e00\u4fe1\u7528\u985e\u578b\u7684\u4eba\uff0c\u90a3\u9019\u500b\u4eba\u7684\u4fe1\u7528\u5206\u6578\u4e5f\u6703\u9ad8\u51fa\u5f88\u591a\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u56e0\u7d20\u4e94\uff1a\u65b0\u7684\u4fe1\u7528\u8cb8\u6b3e\u5e33\u6236 (New Credit) \u2192 10%<\/strong><\/h4>\n\n\n\n<p>\u9019\u4e3b\u8981\u770b\u4f60\u6700\u8fd1\u65b0\u958b\u4e86\u591a\u5c11\u4fe1\u7528\u5e33\u6236\uff0c\u4ee5\u53ca\u6709\u591a\u5c11\u67e5\u8a62\u3001\u8abf\u67e5\u4f60\u7684\u4fe1\u7528\u5831\u544a (inquires)\u3002<\/p>\n\n\n\n<p>\u7528\u6236\u6bcf\u4e00\u6b21\u7533\u8acb\u4fe1\u7528\u5361\u6216\u8eca\u8cb8\u623f\u8cb8\u7684\u6642\u5019\uff0c\u4e0d\u7ba1\u6700\u5f8c\u6709\u6c92\u6709\u6838\u51c6\uff0c\u9280\u884c\u6216\u4fe1\u8cb8\u516c\u53f8\u90fd\u6703\u5c0d\u7533\u8acb\u4eba\u6700\u4e00\u6b21\u4fe1\u7528\u7d00\u9304\u548c\u4fe1\u7528\u5831\u544a\u7684\u8abf\u67e5\uff08\u53c8\u7a31 Hard Pull)\uff0cHard Pull \u4e00\u822c\u9700\u8981\u672c\u4eba\u6388\u6b0a\uff0c\u7d00\u9304\u6703\u5728\u4fe1\u7528\u5831\u544a\u4e0a\u7dad\u6301\u5169\u5e74\uff0c\u4f46\u57fa\u672c\u4e0a\u9019\u500b\u7d00\u9304\u7684\u5f71\u97ff\u53ea\u67093-6\u500b\u6708\uff0c\u6240\u4ee5\u5982\u679c\u77ed\u671f\u4e4b\u5167\u958b\u901a\u65b0\u5e33\u6236\uff0c\u6703\u6709hard pull\u7d00\u9304\uff0c\u4e26\u9020\u6210\u4fe1\u7528\u5206\u6578\u964d\u4f4e\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u516c\u53f8\u5c0d\u4f60\u505a\u7684\u80cc\u666f\u8abf\u67e5\uff0c\u6216\u9810\u5148\u6279\u51c6\u7684\u4fe1\u7528\u5361\u7b49\u5de1\u67e5\u90fd\u662f Soft Pull\u3002\u9084\u6709Credit karma\u6bcf\u5929\u66f4\u65b0\u7684\u4fe1\u7528\u5831\u544a\uff0c\u90fd\u662f Soft Pull\uff0c\u4e0d\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E4%B8%8D%E8%80%83%E6%85%AE%E4%BB%80%E9%BA%BC\"><\/span><strong>\u4fe1\u7528\u5206\u6578\u4e0d\u8003\u616e\u4ec0\u9ebc<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ec0\u9ebc\u6a23\u7684\u500b\u4eba\u8cc7\u8a0a\uff0c\u662f\u4e0d\u6703\u5f71\u50cf\u4fe1\u7528\u5206\u6578\u7684\uff1f<\/p>\n\n\n\n<ol>\n<li>\u4f60\u7684\u5e74\u7d00\u3001\u4eba\u7a2e\u3001\u819a\u8272\u3001\u5b97\u6559\u3001\u51fa\u751f\u5730\u3001\u6027\u5225\u3001\u5a5a\u59fb\u72c0\u614b<\/li>\n\n\n\n<li>\u4f60\u7684\u85aa\u6c34\u3001\u8077\u696d\u3001\u5c31\u696d\u6b77\u53f2<\/li>\n\n\n\n<li>\u4f60\u4f4f\u5728\u54ea\u88e1<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E6%89%8D%E6%9C%83%E6%9C%89%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8\"><\/span><strong>\u5982\u4f55\u624d\u6703\u6709\u4fe1\u7528\u5206\u6578<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4fe1\u7528\u5206\u6578 (Credit Score) \u662f\u5f9e\u4f60\u7684\u4fe1\u7528\u5831\u544a (Credit Reports) \u51fa\u4f86\u7684\uff0c\u4f46\u662f\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u6c92\u6709\u8db3\u5920\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u662f\u6c92\u8fa6\u6cd5\u6709\u4fe1\u7528\u5206\u6578\u7684\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FICO%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E9%9C%80%E8%A6%81\"><\/span><strong>FICO\u4fe1\u7528\u5206\u6578\u9700\u8981<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul>\n<li>\u4e00\u500b\u6709\u81f3\u5c116\u500b\u6708\u7684\u4fe1\u7528\u5e33\u865f\uff08\u5305\u542b: \u4fe1\u7528\u5361\u3001\u8eca\u8cb8\u3001\u623f\u8cb8\u3001\u5404\u7a2e\u8cb8\u6b3e\uff09<\/li>\n\n\n\n<li>\u4e00\u500b\u904e\u53bb6\u500b\u6708\u4e4b\u5167\u90fd\u6301\u7e8c\u64c1\u6709\u4e26\u6c92\u6709\u95dc\u9589\u7684\u5e33\u865f<\/li>\n<\/ul>\n\n\n\n<p>Note: \u5982\u679c\u628a\u4fe1\u7528\u5361\u53d6\u6d88\u3001\u6216\u8eca\u8cb8\u623f\u8cb8\u7e73\u5b8c\u5c31\u7b97\u90a3\u500b\u4fe1\u7528\u5e33\u865f \u95dc\u9589<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"VantageScore%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E9%9C%80%E8%A6%81\"><\/span><strong>VantageScore\u4fe1\u7528\u5206\u6578\u9700\u8981<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u4e00\u500b\u958b\u555f\u7684\u4fe1\u7528\u5e33\u865f\uff08\u525b\u958b\u555f\u4e00\u500b\u6708\u4e5f\u7b97\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B2%92%E6%9C%89%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8%E6%80%8E%E9%BA%BC%E8%BE%A6\"><\/span><strong>\u6c92\u6709\u4fe1\u7528\u5206\u6578\u600e\u9ebc\u8fa6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u9084\u6c92\u6709\u4fe1\u7528\u5206\u6578\uff0c\u53ef\u4ee5\u958b\u555f\u4e00\u500b\u4fe1\u7528\u5e33\u6236\uff0c\u6240\u4ee5\u4f60\u7684\u501f\u8cb8\u516c\u53f8\u53ef\u4ee5\u958b\u59cb\u5bc4\u4f60\u7684\u4fe1\u7528\u7d00\u9304\u7d66\u4fe1\u7528\u5c40\uff0c\u8b93\u4f60\u7684\u4fe1\u7528\u5831\u544a\u958b\u59cb\u6709\u4fe1\u7528\u7d00\u9304\u3002<\/p>\n\n\n\n<p>\u5728\u7533\u8acb\u4fe1\u7528\u5361\u3001\u7533\u8acb\u8eca\u5b50\u8cb8\u6b3e\u3001\u7533\u8acb\u623f\u5c4b\u8cb8\u6b3e\u88e1\uff0c\u6700\u7c21\u55ae\u7684\u5c31\u662f\u7533\u8acb\u4fe1\u7528\u5361\u3002<\/p>\n\n\n\n<p>\u4f60\u4e0d\u9700\u8981\u5e33\u6236\u88e1\u9762\u6709\u5f88\u591a\u9322\uff0c\u4f60\u5c31\u53ef\u4ee5\u7533\u8acb\u4fe1\u7528\u5361\u4e86\u3002\u6240\u4ee5\u6211\u5011\u6700\u63a8\u85a6\u7684\u5c31\u662f\u7533\u8acb\u4f60\u7684\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u4f86\u958b\u59cb\u7d2f\u7a4d\u4f60\u7684\u4fe1\u7528\u7d00\u5f8b\uff0c\u4e26\u62ff\u5230\u4f60\u7684\u4fe1\u7528\u5206\u6578\u3002<br>\u60f3\u77e5\u9053\u8981\u600e\u9ebc\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u670b\u53cb\uff0c\u53ef\u4ee5\u53c3\u8003<strong>\u9019\u7bc7\u6587\u7ae0\uff1a<a href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u65b0\u624b\u6559\u5b78\u3011\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u8a72\u600e\u9ebc\u9078\uff1f(2021) \u7559\u5b78\u751f\/\u7da0\u5361\/\u516c\u6c11\u90fd\u9069\u7528<\/a><\/strong><\/p>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B0%8F%E6%9D%B0%E5%A4%ABInstagram%E6%9C%80%E6%96%B0%E6%B6%88%E6%81%AF\"><\/span><strong>\u5c0f\u6770\u592bInstagram\u6700\u65b0\u6d88\u606f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u5728\u770b\u9019\u500b\u5167\u5bb9\uff0c\u4f60\u53ef\u80fd\u4e5f\u6703\u5c0d\u7f8e\u570b\u4fe1\u7528\u5361 \/ \u7f8e\u570b\u7559\u5b78 \/ \u7f8e\u570b\u751f\u6d3b\u597d\u5eb7\u611f\u8208\u8da3\uff01<\/p>\n\n\n\n<p>\u53ef\u4ee5 Follow \u6211\u7684 Instagram \u9801\u9762\uff0c\u4e0a\u9762\u6703\u767c\u6700\u65b0\u7684\u6587\u7ae0\uff0c\u4e26\u4e14\u7b2c\u4e00\u6642\u9593\u6d3b\u52d5\u798f\u5229\u901a\u77e5\u5594\uff01<a href=\"https:\/\/www.instagram.com\/xiaojeff.co\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Instagram : xiaojeff.co<\/strong><\/a><\/p>\n\n\n\n<blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\" rel=\"noopener\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 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C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this profile on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px;\" target=\"_blank\" rel=\"noopener\">\u5c0f\u6770\u592b\uff5c\u7f8e\u570b\u4fe1\u7528\u5361<\/a> (@<a href=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px;\" target=\"_blank\" rel=\"noopener\">xiaojeff.co<\/a>) \u2022 Instagram photos and videos<\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%80%8E%E9%BA%BC%E6%94%B9%E5%96%84%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8\"><\/span><strong>\u600e\u9ebc\u6539\u5584\u4fe1\u7528\u5206\u6578<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8981\u66f4\u5feb\u7684\u589e\u52a0\u4f60\u7684\u4fe1\u7528\u5206\u6578\uff0c\u9996\u5148\u5c08\u6ce8\u5728\u4f60\u4fe1\u7528\u5206\u6578\u7d44\u6210\u5f71\u97ff\u9ad8\u7684\u7a2e\u985e\uff0c\u57fa\u672c\u7684\u5e7e\u500b\u6b65\u9a5f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BB%BA%E8%AD%B0%E3%84%A7_%E6%AF%8F%E5%80%8B%E6%9C%88%E6%8C%89%E6%99%82%E7%B9%B3%E6%B8%85%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%B8%B3%E5%96%AE%E5%92%8C%E5%90%84%E9%A1%9E%E8%B2%B8%E6%AC%BE%E6%9C%80%E4%BD%8E%E9%A1%8D%E5%BA%A6\"><\/span><strong>\u5efa\u8b70\u3127 : \u6bcf\u500b\u6708\u6309\u6642\u7e73\u6e05\u4fe1\u7528\u5361\u5e33\u55ae\u548c\u5404\u985e\u8cb8\u6b3e\u6700\u4f4e\u984d\u5ea6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u9072\u4ea4\u6216\u6c92\u6709\u4ed8\u4f60\u7684\u4fe1\u7528\u5361\u5e33\u55ae\uff0c\u5c31\u7b97\u662f\u53ea\u6709\u4e00\u6b21\uff0c\u4e5f\u6703\u56b4\u91cd\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u5206\u6578\uff0c\u9084\u8a18\u5f97\u6211\u5011\u4e4b\u524d\u5728\u4fe1\u7528\u5206\u6578\u7d44\u6210\u7684\u90a3\u500b\u90e8\u5206\u8aaa\u660e\u7684\uff0c\u4ed8\u6b3e\u7d00\u9304\u662f\u5f71\u97ff\u6700\u591a\u6700\u56b4\u91cd\u7684\u56e0\u7d20\uff0c\u800c\u9019\u500b\u7d00\u9304\u6703\u7559\u5728\u4f60\u7684\u4fe1\u7528\u5831\u544a\u81f3\u5c11<strong>7\u5e74<\/strong>\u7684\u6642\u9593\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u89ba\u5f97\u4f60\u6709\u4efb\u4f55\u9072\u4ea4\u7684\u53ef\u80fd\u7684\u8a71\uff0c\u8d95\u5feb\u806f\u7d61\u4f60\u7684\u4fe1\u7528\u5361\u516c\u53f8\u6216\u501f\u8cb8\u516c\u53f8\uff0c\u8a62\u554f\u5982\u679c\u99ac\u4e0a\u7e73\u7684\u8a71\uff0c\u53ef\u4e0d\u53ef\u4ee5\u6e05\u9664\u4f60\u9019\u500b\u9072\u4ea4\u6216\u672a\u4ea4\u7684\u7d00\u9304\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u771f\u7684\u9047\u5230\u56f0\u96e3\uff0c\u4fe1\u7528\u5361\u5e33\u6236\u4e0a\u9762\u6709\u4e00\u500bminiumum payment\uff0c\u4f60\u53ef\u4ee5\u53ea\u4ed8\u6700\u4f4e\u4ed8\u6b3e\u91d1\u984d\uff0c\u4f46\u662f\u9019\u5230\u5e95\u662f\u4ec0\u9ebc\u5462\uff0c\u5269\u4e0b\u7684\u91d1\u984d\u96e3\u9053\u4e0d\u7528\u4ed8\u55ce\uff1f\u7576\u7136\u4e0d\u662f\uff0c\u9019\u500b\u4ee3\u8868\u8aaa\uff0c\u4f60\u9019\u500b\u6708\u6700\u4f4e\u9700\u8981\u4ed8\u9019\u500b\u91d1\u984d\uff0c\u4f46\u662f\u4f60\u9019\u500b\u6708\u4fe1\u7528\u5361\u5e33\u55ae\u6c92\u6709\u4ed8\u7684\u91d1\u984d\uff0c\u6703\u7d2f\u7a4d\u5230\u4e0b\u500b\u6708\u5e33\u55ae\uff0c\u4e26\u4e14\u52a0\u4e0a\u4e00\u500b\u6708\u7684\u5229\u606f\uff0c\u6240\u4ee5\u8a18\u5f97\u8981\u5168\u90e8\u4ed8\u5b8c\uff01<br>\u5982\u679c\u60f3\u8981\u77e5\u9053\u5982\u4f55\u7ba1\u7406\u7533\u8acb\u7684\u4fe1\u7528\u5361\uff0c\u53ef\u4ee5\u53c3\u8003<strong>\u9019\u7bc7 <a href=\"https:\/\/www.xiaojeff.com\/mint-com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u500b\u4eba\u7406\u8ca1\u795e\u5668\u3011Mint.com\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u7c21\u55ae\u7ba1\u7406\u591a\u500b\u4fe1\u7528\u5361\u3001\u9280\u884c\u5e33\u6236\u3001\u6295\u8cc7\u5e33\u6236<\/a> \u3002<\/strong><\/p>\n\n\n\n<p>\u4f46\u6700\u7c21\u55ae\u4f86\u8aaa\uff0c\u53ef\u4ee5\u76f4\u63a5\u5728\u4f60\u7684\u5e33\u6236\u8a2d\u5b9aAuto Pay\u81ea\u52d5\u7e73\u6b3e\uff0c\u6bcf\u500b\u6708\u4fe1\u7528\u5361\u5e33\u6236\u5c31\u6703\u5f9e\u4f60\u8a2d\u5b9a\u7684\u9280\u884c\u5e33\u6236\u9818\u9322\u4f86\u4ed8\u6e05\u4f60\u7684\u4fe1\u7528\u5361\u5e33\u55ae\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BB%BA%E8%AD%B0%E4%BA%8C%EF%BC%9A%E7%B6%AD%E6%8C%81%E4%BD%8E%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%88%B7%E5%8D%A1%E9%87%91%E9%A1%8D\"><\/span><strong>\u5efa\u8b70\u4e8c\uff1a\u7dad\u6301\u4f4e\u4fe1\u7528\u5361\u5237\u5361\u91d1\u984d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5728\u4fe1\u7528\u5206\u6578\u7d44\u6210\u88e1\u9762\uff0c\u4f60\u7684Credit Card Utilization\u662f\u9ad8\u5f71\u97ff\u56e0\u7d20\uff0c\u9019\u662f\u4ec0\u9ebc\u610f\u601d\u5462\uff1f<\/p>\n\n\n\n<p>\u5c31\u662f\u5728\u4f60\u6709\u7684\u4fe1\u7528\u5361\u7e3d\u984d\u5ea6\u4f60\u88e1\u9762\uff0c\u4f60\u5237\u4e86\u591a\u5c11\u91d1\u984d\u7684\u4f54\u6bd4\u3002<\/p>\n\n\n\n<p>\u8209\u4f8b\u4f86\u8aaa\uff1a\u5982\u679c\u4f60\u662f\u5b78\u751f\uff0c\u4f60\u7684\u4fe1\u7528\u5361\u984d\u5ea6\u53ea\u6709\u6bcf\u500b\u6708$1000\u7f8e\u91d1\uff0c\u800c\u4f60\u9019\u500b\u6708\u5237\u4e86$900\u7f8e\u91d1\uff0c\u90a3\u4f60\u7684\u4fe1\u7528\u5361\u4f7f\u7528\u7387 (Credit Card Utilization) \u5c31\u662f90%\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u5361\u4f7f\u7528\u7387\u7684\u5efa\u8b70<\/strong><\/h4>\n\n\n\n<p>Q : \u4fe1\u7528\u5361\u4f7f\u7528\u7387 (Credit Card Utilization) \u6700\u597d\u8981\u7dad\u6301\u591a\u5c11\uff1f<\/p>\n\n\n\n<p>A : \u4e0d\u8981\u8d85\u904e30%\uff0c\u6700\u597d\u662f\u7dad\u6301\u57283%-5%\u4ee5\u5167\u3002<\/p>\n\n\n\n<p>3% &#8211; 5%\uff01\u5982\u679c\u6211\u4fe1\u7528\u5361\u984d\u5ea6\u53ea\u6709$1000\u7f8e\u91d1\uff0c\u90a3\u4e0d\u662f\u8aaa\u6211\u4e00\u500b\u6708\u53ea\u80fd\u5237$30-50\uff0c\u6700\u591a\u4e0d\u80fd\u5237$300 ?<\/p>\n\n\n\n<p>\u6c92\u932f\uff0c\u5982\u679c\u4f60\u5237\u8d85\u904e\u4f60\u4fe1\u7528\u5361\u984d\u5ea6\u768430%\uff0c\u4f60\u7684\u4fe1\u7528\u5206\u6578\u5c31\u6703\u958b\u59cb\u5927\u91cf\u7684\u5f80\u4e0b\u964d\uff0c\u6240\u4ee5\u4e0d\u7528\u6bcf\u500b\u6708\u90fd\u628a\u4f60\u7684\u4fe1\u7528\u5361\u5237\u7206\uff0c\u6216\u662f\u60f3\u8aaa\u6211\u984d\u5ea6\u6709$1000\uff0c\u90a3\u6211\u5c31\u5237\u6eff\u5237\u597d\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u5982\u679c\u6211\u8981\u5237\u5927\u7b46\u91d1\u984d\u600e\u9ebc\u8fa6<\/h4>\n\n\n\n<p>\u5982\u679c\u4f60\u7684\u984d\u5ea6\u4e0d\u9ad8\uff0c\u4f46\u4f60\u8981\u5237\u5927\u7b46\u7684\u91d1\u984d\u4f60\u61c9\u8a72\u600e\u9ebc\u505a\uff1f\u6709\u4e09\u7a2e\u8fa6\u6cd5\uff1a<\/p>\n\n\n\n<ol>\n<li>\u6bcf\u6b21\u6d88\u8cbb\u73a9\u5927\u7b46\u91d1\u984d\uff0c\u7576\u5929\u56de\u5bb6\u99ac\u4e0a\u4ed8\u6e05\u3002<\/li>\n\n\n\n<li>\u5728\u5237\u5927\u7b46\u91d1\u984d\u524d\uff0c\u5148\u628a\u9322\u8f49\u9032\u4fe1\u7528\u5361\u88e1\u9762\u3002<\/li>\n\n\n\n<li>\u7533\u8acb\u4e0b\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u8b93\u4f60\u7684\u4fe1\u7528\u5361\u7e3d\u984d\u5ea6\u589e\u52a0\uff08\u4e0b\u9762\u6703\u8aaa\u660e\uff09<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BB%BA%E8%AD%B0%E4%B8%89%EF%BC%9A%E7%94%B3%E8%AB%8B%E6%96%B0%E7%9A%84%E4%BF%A1%E7%94%A8%E5%B8%B3%E6%88%B6\"><\/span><strong>\u5efa\u8b70\u4e09\uff1a\u7533\u8acb\u65b0\u7684\u4fe1\u7528\u5e33\u6236<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u70ba\u4ec0\u9ebc\u5728\u7f8e\u570b\u8981\u8fa6\u591a\u5f35\u4fe1\u7528\u5361\uff1f\u6216\u662f\u4f60\u5e38\u5e38\u807d\u5230\u8eab\u908a\u7684\u7f8e\u570b\u670b\u53cb\u90fd\u6709\u5f88\u591a\u5f35\u4fe1\u7528\u5361\uff0c\u4f60\u662f\u4e0d\u662f\u5f88\u56f0\u60d1\uff0c\u60f3\u8aaa\u4f60\u7684\u6d88\u8cbb\u6c92\u6709\u90a3\u9ebc\u591a\uff0c\u3127\u5169\u5f35\u4fe1\u7528\u5361\u5c31\u5920\u7528\u4e86\uff0c\u70ba\u4ec0\u9ebc\u8981\u8fa6\u591a\u5f35\u4fe1\u7528\u5361\uff1f<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u7b2c\u4e00\u500b\u539f\u56e0\u5c31\u662f\uff1a\u4fe1\u7528\u5361\u984d\u5ea6\u4f7f\u7528\u7387<\/strong><\/h4>\n\n\n\n<p>\u9019\u662f\u5f71\u97ff\u4f60\u4fe1\u7528\u5206\u6578\u7684\u91cd\u8981\u56e0\u7d20\u3002\u5982\u679c\u4f60\u53ea\u6709\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u90a3\u5f35\u4fe1\u7528\u5361\u984d\u5ea6\u53ea\u6709$1000\u7f8e\u91d1\uff0c\u7576\u4f60\u4e00\u500b\u6708\u7684\u4f19\u98df\u8cbb\u5237\u4e86$400\u7f8e\u91d1\uff0c\u4f60\u7684\u4fe1\u7528\u5206\u6578\u5c31\u6703\u958b\u59cb\u5927\u91cf\u7684\u4e0b\u964d\uff0c\u56e0\u70ba\u4f60\u7684Credit Card Utilization\u662f40%\u8d85\u904e\u6a19\u6e96\u768430%\uff0c\u4f46\u5982\u679c\u4f60\u6709\u5169\u5f35\u4fe1\u7528\u5361\uff0c\u5982\u679c\u984d\u5ea6\u90fd\u662f$1000\u7f8e\u91d1\u7684\u8a71\uff0c\u4f60\u7684\u4fe1\u7528\u5361\u4f7f\u7528\u7387\u5c31\u662f20% (400\/2000)\uff0c\u6240\u4ee5\u4ed6\u53ef\u4ee5\u5927\u91cf\u6539\u5584\u4f60\u7684\u4fe1\u7528\u5206\u6578<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u7b2c\u4e8c\u500b\u539f\u56e0\u5c31\u662f\uff1aTotal Account \u7e3d\u4fe1\u7528\u5e33\u865f\u6578<\/strong><\/h4>\n\n\n\n<p>\u4f60\u6709\u591a\u5c11\u4fe1\u7528\u5e33\u6236\uff0c\u9019\u4e5f\u662f\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u5206\u6578\u7684\uff0c\u7576\u7136\u9019\u4e26\u4e0d\u6703\u56b4\u91cd\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u5206\u6578\uff0c\u4f46\u662f\u4e5f\u662f\u4e00\u500b\u4fe1\u7528\u5206\u6578\u7d44\u6210\u7684\u56e0\u7d20\u3002<\/p>\n\n\n\n<p>\u4e0b\u9762\u662f\u5e33\u865f\u6578\u91cf\u7684\u8a55\u5206\uff1a<\/p>\n\n\n\n<ul>\n<li>0-5 : \u4e0d\u597d<\/li>\n\n\n\n<li>6-10 : \u9084\u884c<\/li>\n\n\n\n<li>11-20 : \u826f\u597d<\/li>\n\n\n\n<li>21+ : \u512a\u79c0<\/li>\n<\/ul>\n\n\n\n<p>\u4f60\u53ef\u80fd\u6703\u60f3\u8aaa<\/p>\n\n\n\n<p><strong><span style=\"color:#ff0000\" class=\"has-inline-color\">Q : \u70ba\u4ec0\u9ebc\u5e33\u6236\u8d8a\u591a\u4ee3\u8868\u8d8a\u597d\uff0c\u5982\u679c\u6211\u6709\u5f88\u591a\u4fe1\u7528\u5361\uff0c\u4e26\u4fe1\u7528\u5361\u984d\u5ea6\u5f88\u9ad8\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u4e0d\u6015\u6211\u4ed8\u4e0d\u6e05\u55ce\uff0c\u9019\u6a23\u4e0d\u662f\u66f4\u5371\u96aa\u55ce\uff1f<br>A : \u6b63\u597d\u76f8\u53cd\u3002<\/span><\/strong><\/p>\n\n\n\n<p>\u5c31\u662f\u56e0\u70ba\u4f60\u6709\u5f88\u591a\u4fe1\u7528\u5361\u3001\u501f\u8cb8\u7684\u5e33\u6236\uff0c\u4f46\u662f\u4f60\u9084\u662f\u53ef\u4ee5\u7ba1\u7406\u7684\u5f88\u597d\uff0c\u4e26\u4e14\u6bcf\u500b\u6708\u5e33\u55ae\u90fd\u6709\u6e96\u6642\u7e73\uff0c\u6240\u4ee5\u4f60\u662f\u4e00\u500b\u503c\u5f97\u76f8\u4fe1\u7684\u4eba\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u3001\u501f\u8cb8\u516c\u53f8\u624d\u66f4\u9858\u610f\u501f\u4f60\u9322\uff0c\u56e0\u70ba\u76f8\u4fe1\u4f60\u6703\u9084\u9322\u3002<\/p>\n\n\n\n<p>\u76f8\u5c0d\u7684\u5982\u679c\u4f60\u6c92\u6709\u4efb\u4f55\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u6216\u4efb\u4f55\u501f\u9322\u7d00\u9304\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u6216\u501f\u8cb8\u516c\u53f8\u5c31\u6c92\u8fa6\u6cd5\u77e5\u9053\u4f60\u662f\u4e0d\u662f\u4e00\u500b\u501f\u9322\u6703\u9084\u9322\u7684\u4eba\uff0c\u800c\u4e14\u4f60\u4ee5\u524d\u90fd\u4e0d\u9700\u8981\u501f\u9322\uff0c\u73fe\u5728\u7a81\u7136\u9700\u8981\u501f\u9322\uff0c\u90a3\u4f60\u662f\u4e0d\u662f\u6709\u8ca1\u52d9\u5371\u6a5f\uff0c\u90a3\u4f60\u4e0d\u9084\u9322\u7684\u6a5f\u7387\u53c8\u66f4\u5927\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u6240\u4ee5\u8aaa\uff0c\u4fe1\u7528\u5206\u6578\u662f\u7531\u4e00\u6bd4\u4e00\u6bd4\u826f\u597d\u7684\u501f\u9322\uff0c\u4e14\u6309\u6642\u9084\u6e05\u7684\u7d00\u9304\u7d44\u6210\u7684\u3002<\/strong><\/p>\n\n\n\n<p><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BB%BA%E8%AD%B0%E5%9B%9B%EF%BC%9A%E5%8F%AA%E7%94%B3%E8%AB%8B%E4%BD%A0%E9%9C%80%E8%A6%81%E7%9A%84%E4%BF%A1%E7%94%A8%E5%B8%B3%E6%88%B6\"><\/span><strong>\u5efa\u8b70\u56db\uff1a\u53ea\u7533\u8acb\u4f60\u9700\u8981\u7684\u4fe1\u7528\u5e33\u6236<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u7533\u8acb\u4e00\u500b\u65b0\u7684\u4fe1\u7528\u5e33\u6236\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u6216\u501f\u8cb8\u516c\u53f8\uff0c\u6216\u8abf\u51fa\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4f86\u505a\u8a55\u4f30\uff0c\u9019\u500b\u8abf\u51fa\u4f60\u7684\u4fe1\u7528\u5831\u544a\u7684\u884c\u70ba\uff0c\u6703\u5728\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u9762\u9020\u6210\u4e00\u500b Hard Inquiry\uff0c\u9019\u500b\u6703\u5c0d\u4f60\u7684\u4fe1\u7528\u5206\u6578\u6709\u6240\u5f71\u97ff\uff0c\u6703\u6709\u5c0f\u578b\u7684\u8ca0\u9762\u5f71\u97ff\uff0c\u6216\u9020\u6210\u77ed\u671f\u7684\u4fe1\u7528\u5206\u6578\u964d\u4f4e\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u4e0d\u5efa\u8b70\u628a\u6240\u6709\u4fe1\u7528\u5361\u516c\u53f8\u7684\u4fe1\u7528\u5361\u90fd\u7533\u8acb\u4e00\u904d\uff0c\u53ea\u7533\u8acb\u9700\u8981\u7684\u4fe1\u7528\u5361\uff01<\/p>\n\n\n\n<p>\u4f46\u662f\u6709\u4eba\u53ef\u80fd\u60f3\u8aaa\u9019\u500b\u5efa\u8b70\u8ddf\u4e0a\u4e00\u500b\u7533\u8acb\u65b0\u7684\u4fe1\u7528\u5e33\u6236\u6709\u885d\u7a81?<\/p>\n\n\n\n<p>\u5176\u5be6\u4f60\u53ea\u5c0d\u4e00\u534a\uff0c\u9019\u88e1\u7684\u5efa\u8b70\u662f\u4e0d\u8981\u7533\u8acb\u4f60\u4e0d\u9700\u8981\u7684\u4fe1\u7528\u5361\uff0c\u800c\u7533\u8acb\u65b0\u7684\u4fe1\u7528\u5361\u78ba\u5be6\u6703\u9020\u6210\u4f60\u7684\u4fe1\u7528\u5206\u6578\u964d\u4f4e\uff0c\u4f46\u9019\u53ea\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u5206\u65783\u500b\u6708\u7684\u6642\u9593\uff0c\u4e4b\u5f8c\u53cd\u800c\u6703\u56e0\u70ba\u4f60\u7684\u4fe1\u7528\u5e33\u6236\u6578\u91cf\u589e\u52a0\u3001\u4e26\u4e14\u4fe1\u7528\u5361\u4f7f\u7528\u7387\u964d\u4f4e\uff0c\u5927\u91cf\u589e\u52a0\u4f60\u7684\u4fe1\u7528\u5206\u6578\uff0c\u751a\u81f3\u8d85\u904e\u4f60\u7533\u8acb\u65b0\u7684\u4fe1\u7528\u5361\u4e4b\u524d\u7684\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%BB%BA%E8%AD%B0%E4%BA%94%EF%BC%9A%E4%B8%8D%E8%A6%81%E5%8F%96%E6%B6%88%E4%BF%A1%E7%94%A8%E5%8D%A1\"><\/span><strong>\u5efa\u8b70\u4e94\uff1a\u4e0d\u8981\u53d6\u6d88\u4fe1\u7528\u5361<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9664\u4e86\u4e00\u4e9b\u9ad8\u984d\u5e74\u8cbb\u7684\u4fe1\u7528\u5361\uff0c\u5982\u679c\u4f60\u6c92\u6709\u4f7f\u7528\u5230\u798f\u5229\u7684\u8a71\uff0c\u6216\u4f60\u4f7f\u7528\u5230\u7684\u798f\u5229\u6c92\u6709<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%85%B6%E4%BB%96%E5%BB%BA%E8%AD%B0\"><\/span><strong>\u5176\u4ed6\u5efa\u8b70<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u6709\u4e09\u500b\u7279\u6b8a\u7684\u4fe1\u7528\u5361\u5efa\u8b70\uff0c\u4e26\u4e0d\u592a\u9069\u5408\u5927\u591a\u6578\u4eba\uff0c\u4f46\u5c0d\u65bc\u4e0b\u9762\u9019\u5e7e\u7a2e\u60c5\u6cc1\u4e5f\u662f\u6703\u5c0d\u4f60\u7684\u4fe1\u7528\u5206\u6578\u63d0\u9ad8\u6709\u5e6b\u52a9<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u4fe1\u7528\u5361\u526f\u5361\u6216Secured Credit Card<\/strong><\/h4>\n\n\n\n<p>\u5982\u679c\u4f60\u4fe1\u7528\u5206\u6578\u5f88\u4f4e\u6216\u662f\u6c92\u6709\u7684\u8a71\uff0c\u53ef\u4ee5\u7533\u8fa6Secured Credit Card \uff08\u62bc\u91d1\u4fe1\u7528\u5361) \uff0c\u5c31\u662f\u5148\u628a\u4e00\u7b46\u9322 $1000 \u5b58\u9032\u4fe1\u7528\u5361\u88e1\u9762\uff0c\u7136\u5f8c\u624d\u80fd\u5237\uff0c\u6709\u4e00\u9ede\u50cf\u662fDebit Card\u7684\u6982\u5ff5\u3002\u5982\u679c\u662f\u6c92\u6709\u4efb\u4f55\u4fe1\u7528\u5361\u7684\u670b\u53cb\uff0c\u53ef\u4ee5<strong>\u53c3\u8003\u9019\u7bc7\uff1a<a href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u65b0\u624b\u6559\u5b78\u3011\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u8a72\u600e\u9ebc\u9078\uff1f(2021) \u7559\u5b78\u751f\/\u7da0\u5361\/\u516c\u6c11\u90fd\u9069\u7528<\/a><\/strong><\/p>\n\n\n\n<p>\u901a\u5e38\u9084\u6c92\u6709\u6eff18\u6b72\u7684\u4eba\uff0c\u56e0\u70ba\u9084\u4e0d\u80fd\u81ea\u5df1\u8fa6\u4fe1\u7528\u5361\uff0c\u6240\u4ee5\u4e0d\u80fd\u958b\u59cb\u7d2f\u7a4d\u5206\u6578\uff0c\u4f46\u662f\u53ef\u4ee5\u900f\u904e\u7533\u8fa6\u7236\u6bcd\u7684\u4fe1\u7528\u5361\u526f\u5361\uff0c\u4f86\u7e7c\u627f\u7236\u6bcd\u7684\u4fe1\u7528\u7d00\u9304\u548c\u4fe1\u7528\u6b77\u53f2\uff0c\u7576\u4e00\u6eff18\u6b72\u7684\u6642\u5019\uff0c\u4fe1\u7528\u5206\u6578\u5c31\u6703\u99ac\u4e0a\u986f\u793a\uff0c\u4f46\u9019\u908a\u6ce8\u610f\uff0c\u5982\u679c\u7236\u6bcd\u7684\u4fe1\u7528\u72c0\u6cc1\u4e0d\u597d\uff0c\u5343\u842c\u4e0d\u8981\u7533\u8fa6\u4ed6\u5011\u7684\u526f\u5361\uff0c\u56e0\u70ba\u4ed6\u5011\u4e0d\u597d\u7684\u4fe1\u7528\u7d00\u9304\u6703\u76f4\u63a5\u7e7c\u627f\u5728\u4f60\u7684\u4fe1\u7528\u5831\u544a\u88e1\uff0c\u76f8\u53cd\u7684\uff0c\u4f60\u53ef\u4ee5\u4e00\u523018\u6b72\u7684\u6642\u5019\u5c31\u6709\u5f88\u597d\u7684\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u63d0\u9ad8\u4fe1\u7528\u5361\u984d\u5ea6<\/strong><\/h4>\n\n\n\n<p>\u964d\u4f4e\u4fe1\u7528\u5361\u4f7f\u7528\u7387 Credit Card Utilization\uff0c\u9664\u4e86\u591a\u8fa6\u4e00\u5f35\u4fe1\u7528\u5361\u4ee5\u5916\uff0c\u9084\u53ef\u4ee5\u8981\u6c42\u4fe1\u7528\u5361\u516c\u53f8\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u5361\u984d\u5ea6 (Credit Limit) \u4f86\u964d\u4f4e\uff0c\u5982\u679c\u4f60\u662f\u525b\u7533\u8acb\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361\uff0cDiscover it \u662f\u6700\u63a8\u85a6\u7684\uff0c\u5728\u62ff\u52303\u500b\u6708\u5f8c\uff0c\u53ef\u4ee5\u6bcf\u500b\u6708\u90fd\u8981\u6c42\u63d0\u9ad8\u4fe1\u7528\u5361\u984d\u5ea6\u3002<\/p>\n\n\n\n<p>\u6ce8\u610f\uff1a\u6709\u4e9b\u4fe1\u7528\u5361\u5982\u679c\u7533\u8acb\u63d0\u9ad8\u4fe1\u7528\u5361\u984d\u5ea6\u7684\u8a71\uff0c\u6703\u5c0d\u4f60\u9020\u6210 Hard Pull\uff0c\u6240\u4ee5\u5728\u8981\u6c42\u63d0\u9ad8\u4fe1\u7528\u5361\u984d\u5ea6\u524d\uff0c\u53ef\u4ee5\u554f\u554f\u770b\uff0c\u6709\u6c92\u6709\u4e0d\u505aHard Pull\uff0c\u5c31\u53ef\u4ee5\u63d0\u9ad8\u984d\u5ea6\u7684\u9078\u64c7\uff0c\u901a\u5e38\u6703\u6709\uff0c\u4f46\u4f60\u53ef\u80fd\u6703\u62ff\u5230\u6bd4\u8f03\u5c0f\u984d\u5ea6\u7684\u4fe1\u7528\u5361\u984d\u5ea6\u63d0\u5347\u3002<\/p>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%A6%82%E4%BD%95%E6%9F%A5%E8%A9%A2%E4%BD%A0%E7%9A%84%E4%BF%A1%E7%94%A8%E5%88%86%E6%95%B8\"><\/span><strong>\u5982\u4f55\u67e5\u8a62\u4f60\u7684\u4fe1\u7528\u5206\u6578<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E4%B8%80%EF%BC%9A%E6%9F%A5%E4%BF%A1%E7%94%A8%E5%B1%80AnnualCreditReportcom\"><\/span><strong>\u9078\u64c7\u4e00\uff1a\u67e5\u4fe1\u7528\u5c40AnnualCreditReport.com<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9996\u5148\u4f60\u8981\u77e5\u9053\u4f60\u7684\u4fe1\u7528\u5206\u6578\u662f\u7531\u4fe1\u7528\u5c40 (Credit Bureaus) \u8a55\u4f30\u51fa\u4f86\u7684\uff0c\u6bcf\u4e00\u5bb6\u7d66\u7684\u4fe1\u7528\u5206\u6578\u90fd\u6703\u6709\u9ede\u4e0d\u4e00\u6a23\uff0c\u4f46\u4e3b\u8981\u6240\u6709\u501f\u8cb8\u6a5f\u69cb\u90fd\u6703\u50cf\u4e0b\u9762\u4e09\u500b\u4e3b\u8981\u7684\u4fe1\u7528\u5c40\u8abf\u4f60\u7684\u4fe1\u7528\u5831\u544a\uff1a<\/p>\n\n\n\n<ol>\n<li>Experian<\/li>\n\n\n\n<li>Equifax&nbsp;<\/li>\n\n\n\n<li>TansUnion<\/li>\n<\/ol>\n\n\n\n<p>\u4f60\u7684\u9280\u884c\u3001\u6536\u50b5\u4eba\u3001\u653f\u5e9c\u7b49\u6a5f\u69cb\u90fd\u6703\u4e3b\u52d5\u5c07\u4f60\u7684\u500b\u4eba\u4fe1\u7528\u4fe1\u606f\u50b3\u7d66\u4e09\u5927\u4fe1\u7528\u5c40\uff0c\u5305\u62ec\u4fe1\u7528\u5361\u3001\u501f\u8cb8\u5e33\u6236\u3001\u8cb8\u6b3e\u3001\u9084\u6b3e\u671f\u884c\u7b49\u7b49\uff0c\u800c\u4e09\u5927\u4fe1\u7528\u5c40\u6703\u5c07\u9019\u4e9b\u8a0a\u606f\u7d50\u5408\u4f60\u7684\u500b\u4eba\u57fa\u672c\u8cc7\u6599\uff0c\u7e3d\u5408\u6210\u4e00\u500b\u4fe1\u7528\u5831\u544a\u3002<br>\u4f60\u53ef\u4ee5\u53bb<strong>AnnualCreditReport.com<\/strong>\uff0c\u6bcf12\u500b\u6708\u53ef\u4ee5\u62ff\u5230\u4e00\u4efd\u514d\u8cbb\u7684Credit Report\uff0c\u4f46\u67e5\u4fe1\u7528\u5206\u6578\u662f\u8981\u6536\u8cbb\u7684\uff0c\u6240\u4ee5\u6211\u90fd\u7528\u4e0b\u9762\u4e09\u7a2e\u514d\u8cbb\u7684\u65b9\u5f0f\u67e5\u770b\u6211\u7684\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E4%BA%8C%EF%BC%9A%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B6%B2%E4%B8%8A%E5%B8%B3%E6%88%B6\"><\/span><strong>\u9078\u64c7\u4e8c\uff1a\u4fe1\u7528\u5361\u7db2\u4e0a\u5e33\u6236<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u5df2\u7d93\u6709\u4fe1\u7528\u5361\u4e86\uff0c\u4e00\u822c\u4f86\u8aaa\uff0c\u6240\u6709\u9280\u884c\u3001\u4fe1\u7528\u5361\u516c\u53f8\u90fd\u6709\u63d0\u4f9b\u4e00\u500b\u4ed6\u5011\u81ea\u5df1\u7cfb\u7d71\u8a55\u4f30\u51fa\u4f86\u7684\u4fe1\u7528\u5206\u6578\uff0c\u53ea\u8981\u767b\u5165\u4f60\u7684\u7db2\u4e0a\u4fe1\u7528\u5361\u5e33\u6236\uff0c\u5c31\u53ef\u4ee5\u514d\u8cbb\u67e5\u8a62\uff0c\u6bcf\u5bb6\u7d66\u51fa\u7684\u4fe1\u7528\u5206\u6578\u6703\u7a0d\u5fae\u6709\u9ede\u4e0d\u6a23\uff0c\u56e0\u70ba\u4ed6\u5011\u4e0d\u662f\u76f4\u63a5\u7528\u4e09\u5927\u4fe1\u7528\u5c40\u7684\u4fe1\u7528\u5206\u6578\uff0c\u4f46\u662f\u53ef\u4ee5\u4f5c\u70ba\u53c3\u8003\u503c\uff0c\u4f86\u5be9\u6838\u81ea\u5df1\u7684\u8fd1\u671f\u7684\u4fe1\u7528\u60c5\u6cc1\u3002\uff08\u4e00\u822c\u4f86\u8aaa\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u4e00\u500b\u6708\u66f4\u65b0\u4e00\u6b21\u4fe1\u7528\u5206\u6578\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E4%B8%89%EF%BC%9AMintcom\"><\/span><strong>\u9078\u64c7\u4e09\uff1aMint.com<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u81ea\u5f9e\u4f60\u7533\u8fa6\u4e86\u4fe1\u7528\u5361\u5f8c\uff0c\u4f60\u53ef\u4ee5\u5229\u7528\u7406\u8ca1\u7db2\u7ad9app\uff0c\u4f86\u7ba1\u7406\u4f60\u7684\u6240\u6709\u7406\u8ca1\u5e33\u6236\uff0c\u5305\u62ec\u4fe1\u7528\u5361\u3001\u9280\u884c\u5e33\u6236\u3001\u6295\u8cc7\u5e33\u6236\u7b49\u7b49\uff0c\u4ed6\u4e0d\u50c5\u63d0\u9192\u4f60\u4ec0\u9ebc\u6642\u5019\u4f60\u8981\u4ed8\u6e05\u4fe1\u7528\u5361\u5e33\u55ae (Bill Due Date)\u3001\u8a2d\u7f6e\u9810\u7b97\u529f\u80fd (Budgeting)\u3001\u9084\u6709\u514d\u8cbb\u7684\u4fe1\u7528\u5206\u6578\uff0c\u548c\u6539\u5584\u4fe1\u7528\u5206\u6578\u7684\u5efa\u8b70\u3002<br>\u60f3\u8981\u8a73\u7d30\u4e86\u89e3Mint.com\u529f\u80fd\u548c\u904b\u7528\uff0c\u53ef\u4ee5<strong>\u53c3\u8003\u9019\u7bc7\uff1a<a href=\"https:\/\/www.xiaojeff.com\/mint-com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u500b\u4eba\u7406\u8ca1\u795e\u5668\u3011Mint.com\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u7c21\u55ae\u7ba1\u7406\u591a\u500b\u4fe1\u7528\u5361\u3001\u9280\u884c\u5e33\u6236\u3001\u6295\u8cc7\u5e33\u6236<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E5%9B%9B%EF%BC%9ACredit_Karma\"><\/span><strong>\u9078\u64c7\u56db\uff1aCredit Karma<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9019\u662f\u4e00\u500b\u5305\u542b\u5169\u5927\u4fe1\u7528\u5c40 (TransUnion\u548cEquifax) \u7684\u4fe1\u7528\u7d00\u9304\u7684\u624b\u6a5f app\uff0c\u53ef\u4ee5\u7121\u6642\u7121\u523b\u514d\u8cbb\u67e5\u770b\u4f60\u7684\u4fe1\u7528\u5206\u6578\u548c\u4fe1\u7528\u7d00\u5f8b\u3002(\u4e5f\u6709\u51fa\u7db2\u7ad9\u7248\uff0c\u9ede\u6b64\u67e5\u770b<a href=\"https:\/\/www.creditkarma.com\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b98\u7db2<\/a>) <\/p>\n\n\n\n<p>\u9019\u500b\u624b\u6a5fapp\u5f88\u65b9\u4fbf\uff0c\u6211\u5f9e2015\u5e74\u4e00\u76f4\u7528\u5230\u73fe\u5728\u3002\u539f\u672c\u4ed6\u662f\u6bcf\u500b\u79ae\u62dc\u66f4\u65b0\u4e00\u6b21\uff0c\u73fe\u5728\u8b8a\u6210\u6bcf\u5929\u90fd\u6703\u66f4\u65b0\uff0c\u9084\u6703\u544a\u8a34\u4f60\uff0c\u4f60\u56e0\u70ba\u9019\u500b\u6708\u5237\u591a\u4e86\uff0c\u6216\u662f\u7533\u8acb\u4e86\u4fe1\u7528\u5361\uff0c\u800c\u964d\u4f4e\u6216\u63d0\u5347\u4e86\u4f60\u7684\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%A0%B1%E5%91%8A_Credit_Reports_%E5%8C%85%E5%90%AB%E4%BB%80%E9%BA%BC%E8%A8%8A%E6%81%AF%EF%BC%9F\"><\/span><strong>\u4fe1\u7528\u5831\u544a (Credit Reports) \u5305\u542b\u4ec0\u9ebc\u8a0a\u606f\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u500b\u4eba\u8a0a\u606f\u3001\u4fe1\u7528\u8a0a\u606f\u3001\u516c\u5171\u8a0a\u606f\u3001\u4fe1\u7528\u67e5\u8a62\u8a0a\u606f<\/p>\n\n\n\n<ul>\n<li>\u500b\u4eba\u8a0a\u606f\uff1a\u59d3\u540d\u3001\u751f\u65e5\u3001\u5730\u5740\u3001\u96c7\u7528\u72c0\u614b\u3001SSN\u793e\u6703\u5b89\u5168\u78bc\u7b49<\/li>\n\n\n\n<li>\u4fe1\u7528\u8cc7\u8a0a\uff1a\u6bcf\u500b\u6708\u623f\u8cb8\u3001\u8eca\u8cb8\u3001\u4fe1\u7528\u5361\u4f7f\u7528\u984d\u5ea6\u3001\u9084\u6b3e\u7d00\u5f8b\u7b49<\/li>\n\n\n\n<li>\u516c\u5171\u8a0a\u606f\uff1a\u662f\u5426\u53c8\u6b20\u50b5\u3001\u55aa\u5931\u623f\u7522\u8d16\u56de\u6b0a (foreclosure)\u3001\u7834\u7522 (bankruptcy)\u3001\u6cd5\u5f8b\u8a34\u8a1f\u3001\u7a05\u52d9\u554f\u984c\u7b49<\/li>\n\n\n\n<li>\u4fe1\u7528\u67e5\u8a62\uff1a\u5404\u500b\u6a5f\u95dc\u67e5\u8a62\u500b\u4eba\u4fe1\u7528\u8a18\u9304\u7684\u7d00\u9304 (\u9019\u5169\u5e74\u7684 Hard Pull \u548c Soft Pull)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hard_Pull%E5%92%8CSoft_Pull%E7%9A%84%E5%B7%AE%E5%88%A5\"><\/span><strong>Hard Pull\u548cSoft Pull\u7684\u5dee\u5225<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Hard Pull\uff1a<\/strong>\u9280\u884c\u6216\u501f\u8cb8\u516c\u53f8\u70ba\u4e86\u8a55\u4f30\u4f60\u662f\u5426\u7b26\u5408\u501f\u6b3e\u8cc7\u683c\u6642\uff0c\u6703\u5411\u4fe1\u7528\u5c40\u67e5\u8a62\u4f60\u7684\u4fe1\u7528\u5831\u544a\u7684\u9019\u500b\u67e5\u8a62\u884c\u70ba\u3002<\/p>\n\n\n\n<p><strong>Soft Pull\uff1a<\/strong>\u5176\u4ed6\u8ddf\u8cb8\u6b3e\u7121\u95dc\u7684\u4fe1\u7528\u5831\u544a\u67e5\u8a62\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B6%88%E9%99%A4%E4%B8%8D%E8%89%AF%E4%BF%A1%E7%94%A8%E7%B4%80%E9%8C%84%E7%9A%84%E6%96%B9%E6%B3%95\"><\/span><strong>\u6d88\u9664\u4e0d\u826f\u4fe1\u7528\u7d00\u9304\u7684\u65b9\u6cd5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u67e5\u8a62\u4f60\u7684\u4fe1\u7528\u5831\u544a\uff0c\u767c\u73fe\u6709\u4e0d\u826f\u7d00\u9304\u7684\u6642\u5019\uff0c\u4f60\u53ef\u4ee5\u600e\u9ebc\u505a\uff1f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%83%85%E6%B3%81%E4%B8%80%EF%BC%9A%E5%A0%B1%E5%91%8A%E4%B8%8A%E9%9D%A2%E6%9C%89%E9%8C%AF\"><\/span><strong>\u60c5\u6cc1\u4e00\uff1a\u5831\u544a\u4e0a\u9762\u6709\u932f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4e0a\u9762\u7684\u5e33\u865f\uff0c\u4e26\u4e0d\u662f\u81ea\u5df1\u7684\uff0c\u6216\u8cc7\u6599\u5beb\u932f\uff0c\u6216\u662f\u4f60\u7684\u8cc7\u8a0a\u88ab\u76dc\u4e86\uff0c\u53ef\u4ee5\u76f4\u63a5\u548c\u5831\u544a\u6a5f\u69cb\u6216\u4fe1\u7528\u5c40\u63d0\u51fa Dispute\uff0c\u95dc\u7db2\u5e33\u6236\u4e0a\u8981\u6c42\u66f4\u6539\u8cc7\u6599\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%83%85%E6%B3%81%E4%BA%8C%EF%BC%9A%E5%BF%98%E8%A8%98%E4%BB%98%E6%AC%BE\"><\/span><strong>\u60c5\u6cc1\u4e8c\uff1a\u5fd8\u8a18\u4ed8\u6b3e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5982\u679c\u4f60\u5fd8\u8a18\u4ed8\u6b3e\uff0c\u4f60\u6703\u6709miss statement \u6216 late payment\uff0c\u9019\u6642\u5019\u53ef\u4ee5\u8ddf\u5e97\u5bb6\u6216\u4fe1\u7528\u5361\u516c\u53f8\u6e9d\u901a\uff0c\u8aaa\u4f60\u9858\u610f\u4ed8\u6b3e\uff0c\u4e26\u5e0c\u671b\u516c\u53f8\u53ef\u4ee5\u5728\u4f60\u9084\u6b3e\u5f8c\uff0c\u5e6b\u4f60\u64a4\u92b7\u9019\u500b\u7d00\u9304\u3002<\/p>\n\n\n\n<p>\u901a\u5e38\u4f60\u5fd8\u8a18\u4ed8\u6b3e\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u6216\u501f\u8cb8\u516c\u53f8\uff0c\u53ef\u80fd\u628a\u4f60\u6b20\u7684\u9322\u7528$1 cent for $1 dollar\u7684\u60c5\u5f62\uff0c\u8ce3\u500b\u8a0e\u50b5\u516c\u53f8 (Collector)\uff0c\u4f60\u53ef\u4ee5\u66f8\u9762\u8981\u6c42 pay for deletion\uff08\u9858\u610f\u4ed8\u6b3e\uff0c\u4f46\u662f\u9084\u6b3e\u5f8c\u5c0d\u65b9\u8981\u4e0a\u5831\u628a\u9019\u500b\u7d00\u9304\u522a\u9664\uff09<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u4f60\u6b20\u50b5\u7684\u5e33\u6236\uff0c\u9084\u6b3e\u91d1\u984d\u4e5f\u662f\u53ef\u4ee5\u6bba\u50f9\u7684\uff01\u901a\u5e38\u6211\u5011\u53eb\u505a debt settlement\uff0c\u5f88\u6709\u53ef\u80fd\u4f60\u7684\u4fe1\u7528\u5361\u516c\u53f8\u7b49\u628a\u5b83\u75281\u6bd4100\u7684\u65b9\u5f0f\u8ce3\u7d66\u8a0e\u50b5\u516c\u53f8\uff0c\u6240\u4ee5\u539f\u672c1\u842c\u7f8e\u91d1\u7684\u6b20\u6b3e\uff0c\u4f60\u554f\u8aaa\u53ef\u4e0d\u53ef\u4ee5\u6307\u90845\u5343\u7f8e\u91d1\uff0c\u8a0e\u50b5\u516c\u53f8\u53ef\u80fd\u75281\u5343\u751a\u81f31\u8cb7\u7f8e\u91d1\u8cb7\u4e0b\u7684\u50b5\u52d9\uff0c\u53ea\u8981\u4f60\u9084\u8d85\u904e\uff0c\u4ed6\u5011\u5c31\u6703\u8cfa\u9322\u3002\u6240\u4ee5\u53ef\u4ee5\u5617\u8a66\u770b\u770b\uff0c\u4f46\u662f\u4f60\u780d\u50f9\u5f8c\u6bd4\u8d77\u4f60\u76f4\u63a5\u9084\u6e05\uff0c\u7576\u7136\u9084\u662f\u76f4\u63a5\u9084\u6e05\u7684\u4fe1\u7528\u7d00\u9304\u4f86\u5f97\u6bd4\u8f03\u8001\uff0c\u9019\u500b\u53ef\u80fd\u5c31\u8981\u81ea\u5df1\u659f\u914c\u4e86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E7%B5%90\"><\/span><strong>\u7e3d\u7d50<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7f8e\u570b\u662f\u4e00\u500b\u975e\u5e38\u770b\u91cd\u4fe1\u7528\u5206\u6578\u7684\u570b\u5bb6\uff0c\u4fe1\u7528\u5206\u6578\u6703\u5f71\u97ff\u4f60\u7533\u8fa6\u4fe1\u7528\u5361\u3001\u623f\u8cb8\u3001\u8eca\u8cb8\u3001\u751a\u81f3\u79df\u623f\u3001\u8fa6\u624b\u6a5f\u9580\u865f\uff0c\u800c\u6700\u7c21\u55ae\u64c1\u6709\u826f\u597d\u7684\u4fe1\u7528\u5206\u6578\u7684\u65b9\u6cd5\uff0c\u5c31\u662f\u62ff\u5230SSN\u793e\u6703\u5b89\u5168\u78bc\u5f8c\uff0c\u7533\u8fa6\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361Discover It\u4fe1\u7528\u5361\uff0c\u6216\u662f\u5728\u6c92\u6709SSN\u7684\u6642\u5019\uff0c\u53bbBank of America\u7533\u8fa6Boa Cash Rewards\u4fe1\u7528\u5361\u3002<\/p>\n\n\n\n<ul>\n<li>\u4fe1\u7528\u5361\u8a73\u7d30\u5167\u5bb9\u53ef\u4ee5\u53c3\u8003<strong>\u9019\u7bc7<a href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/\" target=\"_blank\" rel=\"noreferrer 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history \u8981\u670960\u7b46\u6e96\u6642\u7e73\u4ea4\u4fe1\u7528\u5361\u5e33\u55ae\u7684\u7d00\u9304\u624d\u6703\u662f\u826f\u597d\u7684\u3002\u6709\u4e94\u5f35\u5361\uff0c\u6bcf\u500b\u6708\u5c31\u6709\u4e94\u7b46\u6e96\u6642\u7e73\u4ea4\u7684\u7d00\u9304\uff0c\u53ef\u4ee5\u66f4\u5feb\u7d2f\u7a4d\u523060\u7b46\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4e0d\u77e5\u9053\u524d\u4e94\u5f35\u4fe1\u7528\u5361\u8981\u8fa6\u4ec0\u9ebc\u7684\u670b\u53cb\uff0c\u53ef\u4ee5\u8003\u616eChase Freedom Flex\u548cChase Sapphire Preferred\uff0c\u9664\u4e86\u4ed6\u5011\u6709\u5f88\u6709\u4eba\u7684\u958b\u5361\u734e\u52f5\u5916\uff0c\u9084\u6709Chase\u8457\u540d\u76845\/24\u6cd5\u5247\uff0c\u8981\u8fa6Chase\u7684\u4fe1\u7528\u5361\uff0c\u5169\u5e74\u5167\u4e0d\u80fd\u8fa6\u8d85\u904e\u4e94\u5f35\u4fe1\u7528\u5361\uff0c<strong>\u8a73\u7d30\u5167\u5bb9\u53ef\u4ee5\u770b\u9019\u7bc7\u6587\u7ae0\uff1a<a href=\"https:\/\/www.xiaojeff.com\/chase-5-24-rule\/\" target=\"_blank\" rel=\"noreferrer noopener\">Chase 5\/24 rule \u662f\u4ec0\u9ebc\uff1f\u9019\u6a23\u7533\u8acb\u4fe1\u7528\u5361\u7d55\u5c0d\u88ab\u62d2\uff01<\/a><\/strong><\/p>\n\n\n\n<div class=\"cta\">\n\t\t\t\t<p>\n\t\t\t\t\u5982\u679c\u5c0d\u6587\u7ae0\u5167\u5bb9\u6709\u4efb\u4f55\u554f\u984c\uff0c\u6b61\u8fce\u5728\u5e95\u4e0b\u7559\u8a00\u8b93\u6211\u77e5\u9053\u3002\n\t\t\t\t\u5982\u679c\u4f60\u559c\u6b61\u6211\u7684\u6587\u7ae0\uff0c\u53ef\u4ee5\u5206\u4eab\u7d66\u8eab\u908a\u597d\u53cb\uff0c\u8b93\u66f4\u591a\u7684\u4eba\u770b\u898b\u6211\u7684\u6587\u7ae0\u3002<br><br>\n\t\t\t\tBlog\u5167\u6587\u7ae0\u90fd\u662f\u57fa\u65bc\u81ea\u8eab\u6240\u5b78\uff0b\u6301\u7e8cresearch\u6574\u7406\u51fa\u4f86\u7684\u514d\u8cbb\u4f46\u53ef\u9760\u7684\u5167\u5bb9\u3002<br><br>\n\t\t\t\t\u6b61\u8fce\u6210\u70ba\u8d0a\u52a9\u5925\u4f34\uff0c\u53ea\u8981$5\u4e00\u676f\u5496\u5561\u7684\u91d1\u984d\u5c31\u53ef\u4ee5\u652f\u6301\u6211\u6301\u7e8c\u767c\u5e03\u512a\u8cea\u5167\u5bb9\uff0c\u53ef\u4ee5\u900f\u904e\n\t\t\t\t<a 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\u6211\u4e0d\u662f\u4f60\u5c08\u5c6c\u7684\u7406\u8ca1\u9867\u554f\uff0c\u4e0a\u9762\u5167\u5bb9\u50c5\u4f5c\u70ba\u6559\u5b78\u5a1b\u6a02\u6027\u8cea\uff0c\u60f3\u8981\u6839\u64da\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u505a\u66f4\u5b8c\u6574\u8ca1\u52d9\u898f\u5283\uff0c\u8acb\u8aee\u8a62\u7406\u8ca1\u9867\u554f\u548c\u6703\u8a08\u5e2b\u3002\u8b1d\u8b1d\uff01\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u7f8e\u570b\u662f\u4e00\u500b\u4fe1\u7528\u793e\u6703\uff0c\u975e\u5e38\u6ce8\u91cd\u6bcf\u500b\u4eba\u7684\u4fe1\u7528\u5206\u6578 (Credit Score)\uff0c\u6703\u6839\u64da\u6bcf\u500b\u4eba\u7684\u6d88\u8cbb\u7fd2\u6163\u3001\u501f\u8cb8\u7fd2\u6163\uff0c &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/\"> <span class=\"screen-reader-text\">\u3010\u65b0\u624b\u6559\u5b78\u3011\u7f8e\u570b\u4fe1\u7528\u5206\u6578\u662f\u4ec0\u9ebc\uff1fCredit Score\/Credit Report\u5b8c\u6574\u4ecb\u7d39<\/span> \u95b1\u8b80\u5168\u6587 &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":465,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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