Помнится, была какая-то похожая тема, но не смог ее найти.
Мне тут знакомые насоветовали много раз в банки по поводу кредита или моргиджа не обращаться. По их словам - каждое обращение заинтересованных сторон в кредитное бюро ухудшает кредитную историю - просто от того, что к ней обращаются за информацией, типа не верят просителю и перепроверяют.
Есть ли тут доля истины? Насколько это действительно страшно?
Мне кажется,что мутят просто воду или чего-то не понимают.
Кредитная история
Re: Кредитная история
Нельзя обращаться слишком часто. Например, 10-15-20 раз в год.
Где-то так.
PS: так и не понял, что значит "к ней"
Где-то так.
PS: так и не понял, что значит "к ней"
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Мне моргиж брокеры говорили что если в кредите отказывают то снижаются очки - рейтинг.
Мне как-то подарили книжку как сделать кредитную историю максимально быстро.
Суть проста. Покупаете все с дебитной карты и полгода терпеливо ждете. Может банк и раньше даст кредитку. Дали кредитку еще полгода покупаете все на нее и тут же гасите долг.
Мы так и сделали. У меня через месяцев восемь кредитная история была лучше чем у канадцев живших тут все время.
Сейчас на мне моргиж, две машины.
У жены только одна простаивающая кредитка, она не работает и кредитная история у нее лучше чем у меня.
Мне как-то подарили книжку как сделать кредитную историю максимально быстро.
Суть проста. Покупаете все с дебитной карты и полгода терпеливо ждете. Может банк и раньше даст кредитку. Дали кредитку еще полгода покупаете все на нее и тут же гасите долг.
Мы так и сделали. У меня через месяцев восемь кредитная история была лучше чем у канадцев живших тут все время.
Сейчас на мне моргиж, две машины.
У жены только одна простаивающая кредитка, она не работает и кредитная история у нее лучше чем у меня.
найдено тут
What factors influence your credit score?
Credit-reporting agencies and lenders use a mathematical formula to figure out your credit score.
This formula takes into account various factors described in your credit report, such as:
* your payment history (Do you carry over a balance on your credit card from month to month? Have you ever missed a payment on any of your debts?);
* any collection or bankruptcy recorded against you (Has a collection agency had to collect an unpaid bill from you? Have you ever been bankrupt?);
* your outstanding debts (What is the limit on your credit card? Is your spending close to your credit limit?);
* your account history (How long have you had credit?);
* the number of recent inquiries made about your credit report (How many times has someone asked about your credit report?); and
* the type of credit you are using (Do you only have credit cards, or do you have a mix of credit cards and loans?).
What factors influence your credit score?
Credit-reporting agencies and lenders use a mathematical formula to figure out your credit score.
This formula takes into account various factors described in your credit report, such as:
* your payment history (Do you carry over a balance on your credit card from month to month? Have you ever missed a payment on any of your debts?);
* any collection or bankruptcy recorded against you (Has a collection agency had to collect an unpaid bill from you? Have you ever been bankrupt?);
* your outstanding debts (What is the limit on your credit card? Is your spending close to your credit limit?);
* your account history (How long have you had credit?);
* the number of recent inquiries made about your credit report (How many times has someone asked about your credit report?); and
* the type of credit you are using (Do you only have credit cards, or do you have a mix of credit cards and loans?).
Last edited by Oslik on Tue Mar 04, 2008 9:16 pm, edited 1 time in total.
Donkeys' ears are MUCH longer in proportion to their size than a horse's.
найдено тут
Research shows that consumers who are seeking new credit accounts are riskier than consumers who are not seeking credit. Inquiries are the only information lenders have that indicates a consumer is actively seeking credit. There are different types of inquiries that reside on your credit bureau report. The score only considers those inquiries that were posted as a result of you applying for credit. Other types of inquiries, such as account review inquiries (where a lender with whom you have an account has received your credit report) or consumer disclosure inquiries (where you have requested a copy of your own report) are not considered by the score. The scores can identify "rate shopping" so that one credit search leading to multiple inquiries being reported is usually only counted as a single inquiry. For most consumers, the presence of a few inquiries on your credit file has a limited impact on FICO scores. A common misperception is that every single inquiry will drop your score a certain number of points. This is not true. The impact of inquiries on your score will vary - depending on your overall credit profile. Inquiries will usually have a larger impact on the score for consumers with limited credit history and on consumers with previous late payments. The most prudent action to raise your score over time is to apply for credit only when you need it.
Research shows that consumers who are seeking new credit accounts are riskier than consumers who are not seeking credit. Inquiries are the only information lenders have that indicates a consumer is actively seeking credit. There are different types of inquiries that reside on your credit bureau report. The score only considers those inquiries that were posted as a result of you applying for credit. Other types of inquiries, such as account review inquiries (where a lender with whom you have an account has received your credit report) or consumer disclosure inquiries (where you have requested a copy of your own report) are not considered by the score. The scores can identify "rate shopping" so that one credit search leading to multiple inquiries being reported is usually only counted as a single inquiry. For most consumers, the presence of a few inquiries on your credit file has a limited impact on FICO scores. A common misperception is that every single inquiry will drop your score a certain number of points. This is not true. The impact of inquiries on your score will vary - depending on your overall credit profile. Inquiries will usually have a larger impact on the score for consumers with limited credit history and on consumers with previous late payments. The most prudent action to raise your score over time is to apply for credit only when you need it.
Donkeys' ears are MUCH longer in proportion to their size than a horse's.