E noho ma luna o kāu olakino kālā me kēia mau loea pūnaewele
Loaʻa i kēlā me kēia kanaka ka uku'ai'ē, akāʻo ka mea āu iʻikeʻole ai, hiki iāʻoe ke kiʻi i nā polokalamu kūikawā i kāu ( Android aiʻole iOS ) no ka nānāʻana i kēia mau helu, hoʻololi a loaʻa nā leka i ka wā e loaʻa ai kekahi mea ma kāu hōʻike -ʻoiaiʻoiai ke hele.
Nā kumuhana hōʻailonaʻike
He nui nā kumuwaiwai ma laila no ka aʻoʻana i nā mea e pili ana i nā mea e komo ana i ka heluʻana i kāu helu'ai'ē a me keʻano o nā helu likeʻole, akā eia ka wikiō wikiwiki:
- ʻO ka hōʻai'ē'ai'ē e hōʻike ana i kāu "ʻoiaʻiʻo" i nā mea hāʻawi kālā, e like me nā kāleka a me nā mea hōʻai'ē laikini, no ka hōʻikeʻana o kāu helu'ai'ē i ke kuleana o kāu hana me ka ukuʻana i kāu kaulike.
- ʻO kahi kiʻekiʻeʻoi aku ka maikaʻi; e hāʻule ma waena o 300 a 850.
- ʻO ka helu'ai'ē nui loa i hoʻohanaʻia ke kī FICO, akā aia kekahi mau hiʻohiʻona'ē aʻe, e like me VantageScore. Eʻike i kēiaʻatikala mai Debt.org no kaʻike hou aku i kēia mau helu likeʻole.
Ke pane nei i ka manaʻo e nānā ana i ka hōʻai'ē e hōʻino i kāu helu
E haʻi wikiwiki aku i ka manaʻo nui e nānā ana i kaʻikeʻana i kāu helu'ai'ē ma o ke lawelaweʻana e like me Credit Karma (a iʻole kekahi o nā pono'ē aʻe i heluʻia ma lalo nei) e hoʻoili hopena i kāu helu. ʻO kaʻoiaʻiʻo,ʻo ka nānāʻana i kāu heluʻaiʻana i kapaʻia he "nīnau haʻahaʻa,"ʻo ia hoʻi,ʻaʻole ia he "koi ikaika" o kāu hōʻike hōʻike kālā.
"Hoʻopilikia 'ia" (ai' ole "nīnau paʻakikī") e hana maʻamau i ka manawa e noi aiʻoe no kahi kāleka hōʻai'ē hou, i ka wā e noi aiʻoe no kahi hōʻai'ē aiʻole i ka wā e noi aiʻoe no ka moraki,ʻoiai ka "humu huki" keʻano maʻamau inā nānāʻoe i kāu heluʻai, i ka wā e loaʻa ai i kahi mea hana i ka loiloi kumu hilinaʻi a iʻole i ka wā iʻaeʻia aiʻoe no ka hōʻai'ē kāleka.
Ke hana nei kēiaʻatikala mai Credit Karma i ka hana maikaʻi no ka weheweheʻana i kaʻokoʻa ma waena o nāʻano o nā noi noiʻi. I kēlā me kēia hihia, ponoʻoe e hōʻoia i ka hoʻohanaʻana i kekahi o nā polokalamu ma lalo neiʻaʻole ia e hoʻopilikia i kāu helu'ai'ē.
01 o 05
Kalina Karma
Pakuhi: Android a me iOS
Overview:ʻO Karma paha kaʻikeʻoi loa iʻikeʻia no ka loaʻaʻana o nā pūʻulu hoʻolālā olaʻole mai nā meaʻo Equifax a me transUnion bureaus (Experian o kekahi papahana nui'ē aʻe). ʻO kāna polokalamu no ka'ōnaehana Android a me iOS e hāʻawi i nā leka hoʻomaopopo no nā hoʻololi nui i kāu loiloi kālā, a ināʻikeʻoe i nā kuhihewa, hiki iāʻoe ke waiho i kahi hihia ma ka pololei mai kaʻike Credit Karma. Hiki iāʻoe ke nānā i kahi nānā āpau i hoʻonohonoho ponoʻia no ka hopenaʻana o kāu helu'ai'ē a nānā aku i nā kālā a pau i hōʻikeʻia a heluʻia i kāu helu.
02 o 05
KāponoWawina
Pakuhi: Android a me iOS
Overview: ʻO kēia polokalamu mai Capital One e loaʻa ana i nā mea a pau,ʻaʻole wale i ka poʻe kūʻai kūʻai. He hōʻailona hiki ke hāʻawiʻia i ka hebedoma wikiwiki o kāu TransUnion VantageScore 3.0 (ke kū'ē i ka FICO) ka uku'ai'ē, aʻo ia kekahi mau meaʻoluʻolu e like me ka loiloi hōʻailona e hōʻike ana i ka hopena o kāu helu i nā hana e like me ka ukuʻana i ka hōʻai'ē. E loaʻa iāʻoe nā manaʻo no ka hoʻomaikaʻiʻana i kāu helu, a me nā papa kuhikuhiʻoihanaʻoihana no nā hoʻololi nui.
03 o 05
ʻO koʻuMICO
Pakuhi: Android a me iOS
ʻIke Laulā: Nā helu FICO nā helu'ai'ē i hoʻohanaʻia no ka hoʻoholoʻana i kou hilinaʻi, no laila he mea nui loa kaʻikeʻana i kahi e kū nei. Inā loaʻa iāʻoe kahi inoa myFICO no ka nānāʻana i kāu helu a me ka loaʻaʻana o nā pūʻulu (e hoʻomaka ana i $ 29.95 ma kēlā me kēia mahina), pono kēia polokalamu hoʻoilina kaʻawale ponoʻole. Hōʻike iāʻoe i kāu'ōnaeho FICO e pili nei ma mua o nā kumukūʻai hoʻolimalimaʻekolu a ke hōʻike nei i ka pehea i holo ai lākou i ka manawa. Hāʻawi ka polokalamu i nā hoʻolaha hou inā loaʻa nā hoʻololi nui i kāu hōʻike, e like me nā noi hou a iʻole ka piʻi / emiʻana i kāu helu.
04 o 05
Experian
Pakuhi: Android a me iOS
Overview: Ma keʻano o kekahi o nāʻoihana uku uku nui e hoʻolaha ana i nā hōʻike kālā,ʻike nui nā Experian i kāna polokalamu hoʻokō mana. Ke hāʻawi nei ka polokalamu Experian i kāu helu, i hoʻouka houʻia i nā lā 30, me ka hoʻohui pūʻana i nā kiko'ī e pili ana i ka hana kālā kāleka hōʻai'ē, ka'ai'ē koʻikoʻi a me ka pili o kāu hana kāleka kāleka i kāu helu.
05 o 05
Keʻena Sesame
Pakuhi: Android a me iOS
Overview: Ma muli o ke kikowaena o kāna polokalamu Sesame,ʻikeʻoe i kāu heluʻai'ai'ē me ke kāʻei VantageScore mai TransUnion. Loaʻa iāʻoe kahi kāleka hōʻike kākiō'ai'ē, me nā leka i hāʻawiʻia no nā mea e like me ka moʻolelo kuhi, ka hoʻohana kālā a me nā makahiki kuhi. Loaʻa iāʻoe nā leka hōʻolālā e manaʻoʻia. ʻO kekahi o nā hiʻohiʻonaʻokoʻa loa koʻu Manawaina Hoʻopiʻi, kahi e hoʻolālā i ka nui o ka hōʻai'ē e hiki ke loaʻa iāʻoe ma muli o kāuʻike helu a me kaʻike i kēia manawa. E hōʻike ana kēia mea hana i nā kāleka kāleka, nā uku moraki a me nā koho hoʻoholo.