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\u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0648\u0644\u0627 \u062a\u064f\u0628\u0644\u063a \u062c\u0645\u064a\u0639 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062f\u0627\u0626\u0646\u0629 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u062b\u0644\u0627\u062b\u060c \u0644\u0630\u0627 \u0642\u062f \u064a\u062e\u062a\u0644\u0641 \u0645\u0644\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0642\u0644\u064a\u0644\u0627\u064b \u0628\u064a\u0646 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a. \u0625\u064a\u0643\u0648\u064a\u0641\u0627\u0643\u0633<\/a>\u063a\u0627\u0644\u0628\u0627\u064b \u0645\u0627 \u062a\u0646\u0634\u0623 \u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0641\u064a \u0627\u0644\u062f\u0631\u062c\u0627\u062a \u0644\u0623\u0646 \u0627\u0644\u062f\u0627\u0626\u0646\u064a\u0646 \u064a\u0628\u0644\u063a\u0648\u0646 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0641\u064a \u0623\u0648\u0642\u0627\u062a \u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0645\u0644\u0641\u0627\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0642\u062f \u0644\u0627 \u062a\u0643\u0648\u0646 \u0645\u062a\u0637\u0627\u0628\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a.<\/p>\n \u0627\u0628\u062a\u0643\u0631\u062a \u0634\u0631\u0643\u0629 \u0641\u064a\u0631 \u0622\u064a\u0632\u0627\u0643 \u0623\u0648\u0644 \u0646\u0638\u0627\u0645 \u062a\u0642\u064a\u064a\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a (FICO Score) \u0639\u0627\u0645 1989\u060c \u0645\u0645\u0627 \u0623\u062d\u062f\u062b \u0646\u0642\u0644\u0629 \u0646\u0648\u0639\u064a\u0629 \u0641\u064a \u0643\u064a\u0641\u064a\u0629 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u0648\u0627\u0644\u064a\u0648\u0645\u060c \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u062f\u0631\u062c\u0627\u062a FICO \u0641\u064a \u062d\u0648\u0627\u0644\u064a 90% \u0645\u0646 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0636\u060c \u0648\u0647\u064a \u062a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u0630\u0647\u0628\u064a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n \u062a\u0623\u062e\u0630 \u062f\u0631\u062c\u0627\u062a FICO \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u062e\u0645\u0633\u0629 \u0639\u0648\u0627\u0645\u0644 \u0631\u0626\u064a\u0633\u064a\u0629:<\/p>\n \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a (35%)<\/strong>\u0633\u062c\u0644\u0643 \u0627\u0644\u062d\u0627\u0641\u0644 \u0628\u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f.<\/p>\n<\/li>\n \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (30%)<\/strong>: \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062a\u0627\u062d \u0627\u0644\u0630\u064a \u062a\u0633\u062a\u062e\u062f\u0645\u0647.<\/p>\n<\/li>\n \u0645\u062f\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a (15\u066a)<\/strong>: \u0643\u0645 \u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u0648\u0623\u0646\u062a \u062a\u062f\u064a\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n<\/li>\n \u0645\u0632\u064a\u062c \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (10\u066a)<\/strong>: \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0627\u0644\u0631\u0647\u0648\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629).<\/p>\n<\/li>\n \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f (10\u066a)<\/strong>\u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u062d\u062f\u064a\u062b\u064b\u0627. \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u062d\u0648\u0644 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0624\u062b\u0631\u0629 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0623\u0631\u0642\u0627\u0645\u060c \u0627\u0642\u0631\u0623 \u062a\u062d\u0644\u064a\u0644\u0646\u0627 \u0627\u0644\u0645\u0641\u0635\u0644. \u0623\u0647\u0645 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/a>.<\/p>\n<\/li>\n<\/ul>\n \u062a\u0635\u0646\u0641 \u0645\u0624\u0633\u0633\u0629 FICO \u0627\u0644\u062f\u0631\u062c\u0627\u062a \u0625\u0644\u0649 \u062e\u0645\u0633\u0629 \u0646\u0637\u0627\u0642\u0627\u062a:<\/p>\n \u0636\u0639\u064a\u0641 (300-579)<\/strong>\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0643\u0628\u064a\u0631\u0629.<\/p>\n<\/li>\n \u062c\u064a\u062f (580-669)<\/strong>: \u0648\u0636\u0639 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0633\u0637.<\/p>\n<\/li>\n \u062c\u064a\u062f (670-739)<\/strong>: \u062c\u062f\u0627\u0631\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0633\u0637.<\/p>\n<\/li>\n \u062c\u064a\u062f \u062c\u062f\u0627\u064b (740-799)<\/strong>: \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0642\u0648\u064a.<\/p>\n<\/li>\n \u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a (800-850)<\/strong>\u0625\u062f\u0627\u0631\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u062a\u0645\u064a\u0632\u0629.<\/p>\n<\/li>\n<\/ul>\n \u0623\u0635\u062f\u0631\u062a \u0634\u0631\u0643\u0629 FICO \u0639\u062f\u0629 \u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0639\u0644\u0649 \u0645\u0631 \u0627\u0644\u0633\u0646\u064a\u0646\u060c \u0648\u0623\u0643\u062b\u0631\u0647\u0627 \u0634\u064a\u0648\u0639\u064b\u0627 \u0647\u0648 FICO 8. \u0648\u062a\u0634\u0645\u0644 \u0627\u0644\u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 FICO 9 \u0648FICO 10T \u0627\u0644\u0623\u062d\u062f\u062b. \u0643\u0645\u0627 \u064a\u0633\u062a\u062e\u062f\u0645 \u0628\u0639\u0636 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646 \u0625\u0635\u062f\u0627\u0631\u0627\u062a \u062e\u0627\u0635\u0629 \u0628\u0642\u0637\u0627\u0639\u0627\u062a \u0645\u062d\u062f\u062f\u0629\u060c \u0645\u062b\u0644 FICO Auto Score \u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a.<\/p>\n \u064a\u064f\u0633\u062a\u062e\u062f\u0645 \u0646\u0638\u0627\u0645 FICO \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u0646\u0638\u0631\u064b\u0627 \u0644\u062f\u0642\u062a\u0647 \u0641\u064a \u0627\u0644\u062a\u0646\u0628\u0624 \u0648\u0642\u0628\u0648\u0644\u0647 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u062b\u0627\u0646\u0648\u064a\u0629. \u062a\u0634\u062a\u0631\u064a \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u062d\u0643\u0648\u0645\u064a\u064b\u0627\u060c \u0645\u062b\u0644 \u0641\u0627\u0646\u064a \u0645\u0627\u064a \u0648\u0641\u0631\u064a\u062f\u064a \u0645\u0627\u0643\u060c \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0645\u0646 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646\u060c \u0648\u062a\u0634\u062a\u0631\u0637 \u0647\u0630\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0648\u062c\u0648\u062f \u062a\u0635\u0646\u064a\u0641\u0627\u062a FICO \u0644\u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/p>\n \u0641\u064a \u0639\u0627\u0645 2006\u060c \u062a\u0639\u0627\u0648\u0646\u062a \u0634\u0631\u0643\u0627\u062a \u0625\u0643\u0633\u0628\u064a\u0631\u064a\u0627\u0646 \u0648\u062a\u0631\u0627\u0646\u0633 \u064a\u0648\u0646\u064a\u0648\u0646 \u0648\u0625\u064a\u0643\u0648\u064a\u0641\u0627\u0643\u0633 \u0644\u0625\u0637\u0644\u0627\u0642 \u0646\u0638\u0627\u0645 \u0641\u0627\u0646\u062a\u0627\u062c \u0633\u0643\u0648\u0631. \u064a\u0642\u062f\u0645 \u0647\u0630\u0627 \u0627\u0644\u0646\u0638\u0627\u0645 \u062a\u0642\u064a\u064a\u0645\u064b\u0627 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u064b\u0627 \u0628\u062f\u064a\u0644\u064b\u0627 \u0644\u0646\u0638\u0627\u0645 \u0641\u064a\u0643\u0648. \u0648\u064a\u0647\u062f\u0641 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u062b\u0644\u0627\u062b\u064a \u0647\u0630\u0627 \u0625\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u062a\u0642\u064a\u064a\u0645\u0627\u062a \u0623\u0643\u062b\u0631 \u0627\u062a\u0633\u0627\u0642\u064b\u0627 \u0628\u064a\u0646 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u062b\u0644\u0627\u062b.<\/p>\n \u064a\u0633\u062a\u062e\u062f\u0645 \u0646\u0638\u0627\u0645 VantageScore \u0633\u062a \u0641\u0626\u0627\u062a \u0628\u0623\u0648\u0632\u0627\u0646 \u0645\u062e\u062a\u0644\u0641\u0629:<\/p>\n \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a (40%)<\/strong>: \u0623\u0639\u0644\u0649 \u0642\u0644\u064a\u0644\u0627\u064b \u0645\u0646 FICO.<\/p>\n<\/li>\n \u0627\u0644\u0639\u0645\u0631 \u0648\u0646\u0648\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (21\u066a)<\/strong>: \u0637\u0648\u0644 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u0645\u0632\u064a\u062c \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062c\u062a\u0645\u0639\u064a\u0646.<\/p>\n<\/li>\n \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (20%)<\/strong>: \u0648\u0632\u0646 \u0623\u0642\u0644 \u0645\u0646 FICO.<\/p>\n<\/li>\n \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0648\u0627\u0644\u062f\u064a\u0648\u0646 (11%)<\/strong>\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629.<\/p>\n<\/li>\n \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0623\u062e\u064a\u0631 (5%)<\/strong>: \u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a.<\/p>\n<\/li>\n \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062a\u0627\u062d (3\u066a)<\/strong>\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062a\u0627\u062d \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a.<\/p>\n<\/li>\n<\/ul>\n \u0644\u0642\u062f \u062a\u0637\u0648\u0631 \u0646\u0645\u0648\u0630\u062c VantageScore \u0639\u0628\u0631 \u0639\u062f\u0629 \u0625\u0635\u062f\u0627\u0631\u0627\u062a:<\/p>\n VantageScore 3.0<\/strong>: \u062a\u0645 \u062a\u0642\u062f\u064a\u0645 \u0646\u0637\u0627\u0642 300-850 \u0644\u064a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 FICO.<\/p>\n<\/li>\n VantageScore 4.0<\/strong>: \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u064a \u0648\u064a\u062a\u0636\u0645\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a.<\/p>\n<\/li>\n VantageScore 5.0<\/strong>: \u0623\u062d\u062f\u062b \u0625\u0635\u062f\u0627\u0631 \u0628\u062f\u0642\u0629 \u0645\u062d\u0633\u0651\u0646\u0629.<\/p>\n<\/li>\n<\/ul>\n \u064a\u0633\u062a\u062e\u062f\u0645 \u0646\u0638\u0627\u0645 VantageScore \u0646\u0637\u0627\u0642\u0627\u062a \u0645\u0634\u0627\u0628\u0647\u0629 \u0644\u0646\u0638\u0627\u0645 FICO\u060c \u0648\u0644\u0643\u0646 \u0628\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0645\u062e\u062a\u0644\u0641\u0629 \u0642\u0644\u064a\u0644\u0627\u064b:<\/p>\n \u0636\u0639\u064a\u0641 \u062c\u062f\u0627\u064b (300-499).<\/strong><\/p>\n<\/li>\n \u0636\u0639\u064a\u0641 (500-600).<\/strong><\/p>\n<\/li>\n \u062c\u064a\u062f (601-660).<\/strong><\/p>\n<\/li>\n \u062c\u064a\u062f (661-780).<\/strong><\/p>\n<\/li>\n \u0645\u0645\u062a\u0627\u0632 (781-850).<\/strong><\/p>\n<\/li>\n<\/ul>\n \u0627\u0643\u062a\u0633\u0628 \u0646\u0638\u0627\u0645 VantageScore \u0634\u0639\u0628\u064a\u0629 \u0648\u0627\u0633\u0639\u0629 \u0641\u064a \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0648\u062c\u0647\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646. \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062e\u062f\u0645\u0627\u062a \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062c\u0627\u0646\u064a\u0629 \u0646\u0638\u0627\u0645 VantageScore \u0644\u0633\u0647\u0648\u0644\u0629 \u062a\u0631\u062e\u064a\u0635\u0647 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0646\u0638\u0627\u0645 FICO. \u0643\u0645\u0627 \u062a\u0648\u0641\u0631 \u0628\u0639\u0636 \u062c\u0647\u0627\u062a \u0625\u0635\u062f\u0627\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0646\u0638\u0627\u0645 VantageScore \u0644\u0639\u0645\u0644\u0627\u0626\u0647\u0627.<\/p>\n \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0643\u0644\u0627 \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u064a\u0646 \u064a\u0623\u062e\u0630\u0627\u0646 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u0648\u0627\u0645\u0644 \u0645\u062a\u0634\u0627\u0628\u0647\u0629\u060c \u0625\u0644\u0627 \u0623\u0646 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a\u0647\u0645\u0627 \u062a\u064f\u0639\u0637\u064a\u0647\u0627 \u0648\u0632\u0646\u0627\u064b \u0645\u062e\u062a\u0644\u0641\u0627\u064b. \u064a\u064f\u0631\u0643\u0632 \u0646\u0638\u0627\u0645 VantageScore \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0633\u062c\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0623\u0642\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0646\u0638\u0627\u0645 FICO. \u0643\u0645\u0627 \u064a\u064f\u0645\u0643\u0646 \u0644\u0646\u0638\u0627\u0645 VantageScore \u062d\u0633\u0627\u0628 \u0627\u0644\u062f\u0631\u062c\u0627\u062a \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0630\u0648\u064a \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0645\u062d\u062f\u0648\u062f \u0628\u0633\u0647\u0648\u0644\u0629 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0646\u0638\u0627\u0645 FICO.<\/p>\n \u062a\u062d\u0627\u0641\u0638 \u0634\u0631\u0643\u0629 FICO \u0639\u0644\u0649 \u0647\u064a\u0645\u0646\u062a\u0647\u0627 \u0641\u064a \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0628\u0641\u0636\u0644 \u0633\u062c\u0644\u0647\u0627 \u0627\u0644\u0637\u0648\u064a\u0644 \u0648\u0642\u0628\u0648\u0644\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629. \u064a\u0641\u0636\u0644 \u0645\u0639\u0638\u0645 \u0645\u064f\u0642\u0631\u0636\u064a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0648\u0645\u064f\u0642\u0631\u0636\u064a \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u062f\u0631\u062c\u0627\u062a FICO\u060c \u0625\u0630 \u064a\u062b\u0642\u0648\u0646 \u0628\u0647\u0627 \u0644\u0623\u0646\u0647\u0627 \u062a\u062a\u0646\u0628\u0623 \u0628\u062f\u0642\u0629 \u0628\u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n \u0644\u0627 \u064a\u064f\u0634\u064a\u0631 \u0643\u0644\u064c\u0651 \u0645\u0646 \u062a\u0642\u064a\u064a\u0645 FICO \u0627\u0644\u0628\u0627\u0644\u063a 700 \u0648\u062a\u0642\u064a\u064a\u0645 VantageScore \u0627\u0644\u0628\u0627\u0644\u063a 700 \u0628\u0627\u0644\u0636\u0631\u0648\u0631\u0629 \u0625\u0644\u0649 \u0646\u0641\u0633 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629. \u0641\u0642\u062f \u062a\u064f\u0624\u062f\u064a \u0637\u0631\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0625\u0644\u0649 \u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0641\u064a \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 20 \u064830 \u0646\u0642\u0637\u0629 \u0623\u0648 \u0623\u0643\u062b\u0631. \u0648\u0642\u062f \u064a\u062d\u062f\u062b \u0647\u0630\u0627 \u062d\u062a\u0649 \u0645\u0639 \u0648\u062c\u0648\u062f \u0646\u0641\u0633 \u0627\u0644\u0645\u0644\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0627\u0644\u0645\u062a\u0637\u0627\u0628\u0642\u0629.<\/p>\n \u064a\u064f\u0634\u0643\u0651\u0644 \u0627\u0644\u062a\u0639\u0627\u064a\u0634 \u0628\u064a\u0646 \u0646\u0638\u0627\u0645\u064a FICO \u0648 VantageScore \u0627\u0644\u0637\u0628\u0642\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u062a\u0628\u0627\u064a\u0646 \u0627\u0644\u062f\u0631\u062c\u0627\u062a. \u0625\u0630 \u062a\u064f\u0646\u062a\u062c \u0627\u0644\u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0629 \u0627\u0644\u0641\u0631\u064a\u062f\u0629 \u0644\u0643\u0644 \u0646\u0645\u0648\u0630\u062c \u0646\u062a\u0627\u0626\u062c \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0646\u0641\u0633 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n \u0623\u0635\u062f\u0631\u062a \u0643\u0644 \u0645\u0646 FICO \u0648VantageScore \u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0639\u0644\u0649 \u0645\u0631 \u0627\u0644\u0632\u0645\u0646. \u0642\u062f \u064a\u064f\u0646\u062a\u062c FICO 8 \u062f\u0631\u062c\u0629 \u0645\u062e\u062a\u0644\u0641\u0629 \u0639\u0646 FICO 9 \u0623\u0648 FICO 10T. \u0648\u0628\u0627\u0644\u0645\u062b\u0644\u060c \u0642\u062f \u064a\u064f\u0646\u062a\u062c VantageScore 3.0 \u0648VantageScore 4.0 \u0646\u062a\u0627\u0626\u062c \u0645\u062e\u062a\u0644\u0641\u0629.<\/p>\n \u062a\u062e\u062a\u0644\u0641 \u0642\u0648\u0627\u0639\u062f \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0644\u0630\u0627 \u0641\u0625\u0646\u0651 \u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0637\u0641\u064a\u0641\u0629 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\u0623\u0635\u0648\u0644 \u0648\u0647\u064a\u0645\u0646\u0629 \u0646\u0638\u0627\u0645 FICO<\/strong><\/h3>\n
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\n
\u0641\u0647\u0645 \u0646\u0637\u0627\u0642\u0627\u062a \u0646\u0642\u0627\u0637 FICO \u0648\u0645\u0639\u0627\u0646\u064a\u0647\u0627<\/strong><\/h3>\n
\n
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\u0644\u0645\u0627\u0630\u0627 \u064a\u062b\u0642 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0641\u064a \u062f\u0631\u062c\u0627\u062a FICO\u061f<\/strong><\/h3>\n
\u0641\u0627\u0646\u062a\u0627\u062c \u0633\u0643\u0648\u0631: \u0645\u0646\u0647\u062c \u062d\u062f\u064a\u062b \u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong><\/h2>\n
\u0646\u0634\u0623\u0629 \u0646\u0638\u0627\u0645 VantageScore<\/strong><\/h3>\n
\u0643\u064a\u0641 \u062a\u062d\u0633\u0628 VantageScore \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/strong><\/h3>\n
\n
\u062a\u0637\u0648\u0631 \u0646\u0645\u0627\u0630\u062c VantageScore<\/strong><\/h3>\n
\n
\u0646\u0637\u0627\u0642\u0627\u062a VantageScore\u00ae \u0648\u062a\u0641\u0633\u064a\u0631\u0647\u0627<\/strong><\/h3>\n
\n
\u062a\u062e\u0635\u0635 VantageScore \u0641\u064a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/strong><\/h3>\n
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\n
\n
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\n
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\n
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