Qhov credit phem npaum li cas cuam tshuam rau cov nqi tuav pov hwm tsheb
Txheem
- Cov tuam txhab tuav pov hwm siv koj cov qhab nia credit li cas
- Cov keeb kwm credit tsis zoo tuaj yeem ua rau muaj kev pov hwm tsheb ntau ntxiv.
- Yuav Ua Li Cas Kev Txhaum Cai cuam tshuam rau Auto Insurance Rate
- Tej yam cuam tshuam rau koj qhov kev kwv yees kev pov hwm tsheb
- Cov txheej txheem los txhim kho kev ntsuas kev tuav pov hwm tsheb
Cov keeb kwm qiv nyiaj tsis zoo ua rau nws nyuaj rau kev qiv tsheb lossis qiv tsheb, thiab nws kuj ua rau nws nyuaj rau kev tuav pov hwm tsheb. Qee lub tuam txhab kev tuav pov hwm tsheb yuav nce koj qhov kev tuav pov hwm tsheb yog tias koj muaj credit tsis zoo, thaum lwm tus muaj kev ywj pheej ntau dua nrog cov credit tsis zoo, zoo ib yam li cov tuam txhab credit card kho cov neeg siv khoom tsis zoo. Cov qhab nia qiv nyiaj cuam tshuam rau kev qiv tsheb, credit cards, tsev qiv nyiaj, thiab txawm tias ua haujlwm.
| FICO credit qhab nia | |
|---|---|
| Qhab Nia | Ntsuam Xyuas |
| 760 - 850 | .Рекрасно |
| 700 - 759 | Ua tsaug |
| 723 | Qhov nruab nrab FICO qhab nia |
| 660 - 699 | Zoo |
| 687 | Qhov nruab nrab FICO qhab nia |
| 620 - 659 | Tsis zoo |
| 580 - 619 | Tsis zoo |
| 500 - 579 | Phem heev |
Taug qab koj cov neeg siv khoom credit lossis FICO cov qhab nia los ntawm lub vev xaib xws li Credit Karma lossis WisePiggy. Lawv muab txoj hauv kev pub dawb kom pom cov qhab nia suav los ntawm lub chaw lis haujlwm qiv nyiaj, nrog rau cov ntawv qhia txog credit nws raws li.
Cov tuam txhab tuav pov hwm siv koj cov qhab nia credit li cas
Feem ntau cov tuam txhab tuav pov hwm xav txog keeb kwm credit yog qhov tseem ceeb hauv kev teeb tsa tsheb thiab kev tuav pov hwm hauv tsev. Txhua lub xeev tshwj tsis yog California, Massachusetts thiab Hawaii tso cai rau cov neeg tuav pov hwm los tshawb xyuas keeb kwm credit. Cov tuam txhab tuav pov hwm siv cov laj thawj uas cov neeg uas them lawv cov nqi raws sij hawm them nqi tsawg dua thiab pheej yig dua li cov neeg them nyiaj lig.
Txawm li cas los xij, cov tuam txhab pov hwm tsis suav nrog tib cov qhab nia credit zoo li cov qiv nyiaj - lawv siv qhov ntsuas tsim tshwj xeeb rau lawv. Cov qhab nia credit siv los ntawm cov qiv nyiaj kwv yees koj lub peev xwm los them rov qab cov nyiaj qiv, thaum cov qhab nia credit pov hwm kwv yees seb koj puas yuav ua daim ntawv thov.
Cov keeb kwm credit tsis zoo tuaj yeem ua rau muaj kev pov hwm tsheb ntau ntxiv.
Hauv 47 lub xeev uas koj qhov qhab nia credit tuaj yeem cuam tshuam rau tus nqi ntawm kev tuav pov hwm tsheb, qhov tshwm sim ntawm credit tsis zoo tuaj yeem hnyav. Insurance.com commissioned Quadrant Information Services los sib piv cov nqi them tag nrho rau cov neeg tsav tsheb nrog qhov nruab nrab lossis zoo dua, credit ncaj ncees, thiab credit tsis zoo.
| Qhov nruab nrab qhov sib txawv ntawm cov nqi tuav pov hwm raws li qhov qhab nia credit | |||
|---|---|---|---|
| Lub tuam txhab Insurance | Qhov zoo tshaj plaws credit insurance tus nqi | Qhov nruab nrab credit insurance tus nqi | Tus nqi qiv nyiaj tsis zoo |
| Xeev ua liaj ua teb | $563 | $755 | $1,277 |
| Allstate | $948 | $1,078 | $1,318 |
Qhov nruab nrab qhov sib txawv ntawm tus nqi ntawm qhov zoo thiab txaus siab creditworthiness yog 17% hauv Asmeskas. Qhov sib txawv ntawm qhov zoo thiab qhov tsis zoo creditworthiness yog 67%.
Koj qhov qhab nia credit kuj tseem tuaj yeem cuam tshuam rau cov nqi qis uas lub tuam txhab pov hwm xav tau thiab cov kev xaiv them nyiaj muaj rau koj.
Yuav Ua Li Cas Kev Txhaum Cai cuam tshuam rau Auto Insurance Rate
Kev tshaj tawm kev lag luam tuaj yeem cuam tshuam koj qhov kev pov hwm, tab sis ntau npaum li cas nyob ntawm qhov qhab nia credit koj muaj ua ntej kev lag luam. Yog tias koj muaj ntawv pov hwm thiab txuas ntxiv them nyiaj tsis tu ncua, koj yuav tsis pom qhov nce ntxiv thaum koj daim ntawv pov hwm rov qab, txawm tias qee lub tuam txhab yuav tshawb xyuas koj cov keeb kwm qiv nyiaj ib xyoos ib zaug. Raws li nrog cov qhab nia qis dua, kev lag luam poob qis tuaj yeem ua rau cov nqi siab dua.
Kev lag luam poob nyiaj ib txwm ua rau koj cov qhab nia credit thiab yuav nyob hauv koj keeb kwm ntev txog 10 xyoo. Lub sijhawm xyoo no, cov tuam txhab pov hwm tsheb uas siv credit ua ib feem ntawm lawv qhov kev ntsuas kev pheej hmoo yuav nce koj tus nqi lossis tej zaum yuav tsis kam muab koj tus nqi qis tshaj plaws. Yog tias koj tab tom yuav txoj cai tshiab tom qab kev lag luam poob nyiaj, koj yuav pom tias qee lub tuam txhab yuav tsis muab cov lus tsocai rau koj.
Tej yam cuam tshuam rau koj qhov kev kwv yees kev pov hwm tsheb
Cov tuam txhab tuav pov hwm hais tias qhov tseem ceeb tshaj plaws rau cov qhab nia zoo raws li kev pov hwm kev pov hwm yog keeb kwm credit ntev, tsawg kawg them lig lossis cov nyiaj tsis zoo, thiab qhib cov nyiaj qiv nyiaj hauv qhov zoo.
Tej yam tsis zoo muaj xws li kev them nyiaj lig, cov nqi, cov nuj nqis siab, cov lus nug qiv nyiaj ntau, thiab keeb kwm qiv nyiaj luv. Koj cov nyiaj tau los, hnub nyoog, haiv neeg, chaw nyob, poj niam txiv neej, thiab kev txij nkawm tsis suav nrog koj cov ntsiab lus.
Kev siv credit los tsim cov nqi them nqi yog qhov tsis txaus ntseeg. Qee cov neeg tawm tswv yim hais tias nws tsis ncaj ncees rau txim rau cov neeg tau nyiaj tsawg lossis cov neeg uas poob lawv txoj haujlwm - cov neeg xav tau kev pov hwm tsheb pheej yig tshaj plaws. Tab sis cov neeg tuav pov hwm hais tias, ua ke nrog lwm yam kev ntsuas, siv cov qhab nia pov hwm kev pov hwm pab lawv teeb tsa tus nqi raug thiab tsim nyog.
Cov txheej txheem los txhim kho kev ntsuas kev tuav pov hwm tsheb
Txhawm rau txhim kho koj cov qhab nia raws li kev pov hwm qiv nyiaj thiab tau txais cov nqi qis dua, nco ntsoov them koj cov nqi raws sij hawm thiab khaws tag nrho koj cov nuj nqis kom zoo. Kev them nyiaj lig thiab nqi yuav ua rau koj raug mob. Teem thiab txuag credit. Ntev npaum li koj khaws keeb kwm credit zoo, qhov zoo dua.
Tsis muaj lossis keeb kwm qiv nyiaj me me yuav txo koj cov qhab nia. Tsis txhob qhib cov nyiaj qiv nyiaj tsis tsim nyog. Muaj ntau tus account tshiab teeb liab teeb meem. Qhib tsuas yog cov nyiaj qiv nyiaj uas koj xav tau tiag tiag. Khaws koj daim credit card tshuav tsawg. Qhov kev kwv yees kwv yees siv rau hauv tus account tus nqi koj tshuav nyob rau hauv kev cuam tshuam nrog koj cov credit txwv. Tsis txhob ua kom koj daim npav rho nyiaj ntau tshaj plaws. Xyuas kom koj daim ntawv tshabxo nuj nqi yog qhov tseeb. Ib qho yuam kev tuaj yeem ua rau koj tus account puas tsuaj. Koj tuaj yeem thov cov ntawv luam tawm dawb ntawm koj daim ntawv tshabxo nuj nqi los ntawm peb lub tebchaws qhia txog credit los ntawm AnnualCreditReport.com.
Nws yog ib lub tswv yim zoo kom tau txais cov lus qhia txog nyiaj txiag los ntawm ib tus kws tshaj lij yog tias koj xav tau kev pab nrhiav seb yuav ua li cas kom koj cov nyiaj txiag mus. Koj tuaj yeem nrhiav kev pab dawb lossis tus nqi qis los ntawm lub koom haum nonprofit National Credit Counseling Foundation.
Koj qhov kev tuav pov hwm tsheb pib yuav poob qis thaum koj qhov qhab nia credit zoo dua. Sib piv cov ntawv tuav pov hwm tsheb pib thaum lub sijhawm rov ua dua tshiab yog tias koj pom qhov zoo ntawm koj qhov kev kwv yees.
Cov chaw
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Tsab ntawv xov xwm no tau hloov kho nrog kev pom zoo ntawm carinsurance.com: http://www.insurance.com/auto-insurance/saving-money/car-insurance-for-bad-credit.html.
