{"id":2757,"date":"2026-07-08T21:24:04","date_gmt":"2026-07-08T21:24:04","guid":{"rendered":"https:\/\/toolstecique.com\/?p=2757"},"modified":"2026-07-08T21:24:04","modified_gmt":"2026-07-08T21:24:04","slug":"factors-affect-your-credit-score","status":"publish","type":"post","link":"https:\/\/toolstecique.com\/ar\/factors-affect-your-credit-score\/","title":{"rendered":"\u0645\u0627 \u0647\u064a \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0623\u062b\u064a\u0631\u064b\u0627 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061f \u062a\u062d\u0644\u064a\u0644 \u062a\u0635\u0646\u064a\u0641 FICO"},"content":{"rendered":"

\u064a\u064f\u0644\u0627\u0632\u0645\u0643 \u0633\u062c\u0644\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0641\u064a \u0643\u0644 \u0642\u0631\u0627\u0631 \u0645\u0627\u0644\u064a \u0631\u0626\u064a\u0633\u064a \u062a\u0642\u0631\u064a\u0628\u064b\u0627: \u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0648\u0642\u0631\u0648\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0648\u0639\u0642\u0648\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u060c \u0648\u0623\u062d\u064a\u0627\u0646\u064b\u0627 \u062d\u062a\u0649 \u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0638\u064a\u0641. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0644\u0627 \u064a\u0645\u0644\u0643 \u0645\u0639\u0638\u0645 \u0627\u0644\u0646\u0627\u0633 \u0633\u0648\u0649 \u0641\u0643\u0631\u0629 \u0645\u0628\u0647\u0645\u0629 \u0639\u0645\u0627 \u064a\u064f\u062d\u062f\u062f \u0647\u0630\u0627 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0645\u0643\u0648\u0646 \u0645\u0646 \u062b\u0644\u0627\u062b\u0629 \u0623\u0631\u0642\u0627\u0645.<\/p>\n

\u0628\u0644\u063a \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 717 \u0646\u0642\u0637\u0629 \u0641\u064a \u0639\u0627\u0645 2025\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0634\u0631\u0643\u0629 \u0625\u0643\u0633\u0628\u064a\u0631\u064a\u0627\u0646. \u0648\u0644\u0627 \u064a\u0632\u0627\u0644 \u0645\u0644\u0627\u064a\u064a\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u062f\u0648\u0646 \u0645\u0633\u062a\u0648\u0649 670 \u0646\u0642\u0637\u0629\u060c \u0648\u0647\u0648 \u0627\u0644\u062d\u062f \u0627\u0644\u0630\u064a \u064a\u0639\u062a\u0628\u0631\u0647 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646 \u0639\u0627\u062f\u0644\u0627\u064b\u060c \u062d\u064a\u062b \u064a\u062f\u0641\u0639\u0648\u0646 \u0645\u0639\u062f\u0644\u0627\u062a \u0641\u0627\u0626\u062f\u0629 \u0623\u0639\u0644\u0649 \u0628\u0646\u0633\u0628\u0629 2% \u0625\u0644\u0649 5% \u0645\u0646 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u062a\u0632\u064a\u062f \u062f\u0631\u062c\u0627\u062a\u0647\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0639\u0646 740 \u0646\u0642\u0637\u0629. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0641\u064a \u062d\u0627\u0644\u0629 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a \u0628\u0642\u064a\u0645\u0629 300 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631\u060c \u062a\u0635\u0644 \u062a\u0643\u0644\u0641\u0629 \u0647\u0630\u0627 \u0627\u0644\u0641\u0627\u0631\u0642 \u0641\u064a \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0625\u0644\u0649 \u0645\u0627 \u0628\u064a\u0646 80 \u0623\u0644\u0641\u064b\u0627 \u0648150 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u0639\u0644\u0649 \u0645\u062f\u0649 30 \u0639\u0627\u0645\u064b\u0627.<\/p>\n

\u0639\u0648\u0627\u0645\u0644 \u062a\u0642\u064a\u064a\u0645 FICO \u0627\u0644\u062e\u0645\u0633\u0629 \u0648\u0623\u0648\u0632\u0627\u0646\u0647\u0627 \u0627\u0644\u062f\u0642\u064a\u0642\u0629<\/h2>\n

\u062a\u0639\u062a\u0645\u062f \u062f\u0631\u062c\u0627\u062a FICO \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0645\u0646 \u0642\u0628\u0644 90% \u0645\u0646 \u0643\u0628\u0627\u0631 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646\u060c \u0639\u0644\u0649 \u062e\u0645\u0633\u0629 \u0639\u0648\u0627\u0645\u0644: \u0633\u062c\u0644 \u0627\u0644\u0633\u062f\u0627\u062f (35%)\u060c \u0648\u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 (\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646) (30%)\u060c \u0648\u0645\u062f\u0629 \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a (15%)\u060c \u0648\u062a\u0646\u0648\u0639 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 (10%)\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 (10%). \u064a\u0634\u0643\u0644 \u0633\u062c\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0639\u064b\u0627 65% \u0645\u0646 \u0627\u0644\u062f\u0631\u062c\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0645\u0627 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0623\u062b\u064a\u0631\u064b\u0627. \u0642\u062f \u064a\u0624\u062f\u064a \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0633\u062f\u0627\u062f \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629 \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u062c\u064a\u062f\u0629 \u0628\u0645\u0642\u062f\u0627\u0631 60 \u0625\u0644\u0649 110 \u0646\u0642\u0627\u0637\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u062e\u0641\u0636 \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0625\u0644\u0649 \u0623\u0642\u0644 \u0645\u0646 10% \u0625\u0644\u0649 \u0631\u0641\u0639 \u0627\u0644\u062f\u0631\u062c\u0629 \u0628\u0645\u0642\u062f\u0627\u0631 20 \u0625\u0644\u0649 40 \u0646\u0642\u0637\u0629 \u062e\u0644\u0627\u0644 \u062f\u0648\u0631\u0629 \u0641\u0648\u062a\u0631\u0629 \u0648\u0627\u062d\u062f\u0629.<\/p>\n\n\n\n\n\n\n\n\n\n
\u0639\u0627\u0645\u0644 \u0641\u064a\u0643\u0648<\/th>\n\u0648\u0632\u0646<\/th>\n\u0645\u0627 \u064a\u0642\u064a\u0633\u0647<\/th>\n<\/tr>\n<\/thead>\n
\u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639\u0627\u062a<\/td>\n35%<\/td>\n\u0625\u0646 \u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0647\u0648 \u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u0647\u0645<\/td>\n<\/tr>\n
\u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 (\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645)<\/td>\n30%<\/td>\n\u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062a\u0627\u062d \u0644\u062f\u064a\u0643 \u0627\u0644\u0630\u064a \u062a\u0633\u062a\u062e\u062f\u0645\u0647<\/td>\n<\/tr>\n
\u0645\u062f\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/td>\n15%<\/td>\n\u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0639\u0645\u0631 \u062c\u0645\u064a\u0639 \u062d\u0633\u0627\u0628\u0627\u062a\u0643<\/td>\n<\/tr>\n
\u0645\u0632\u064a\u062c \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/td>\n10%<\/td>\n\u0623\u0646\u0648\u0627\u0639 \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062a\u0646\u0648\u0639\u0629: \u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0642\u0631\u0648\u0636\u060c \u0631\u0647\u0648\u0646 \u0639\u0642\u0627\u0631\u064a\u0629<\/td>\n<\/tr>\n
\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629<\/td>\n10%<\/td>\n\u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u0644\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u0648\u0644: \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639 (35%) \u0627\u0644\u0645\u062d\u0631\u0643 \u0627\u0644\u0623\u0643\u0628\u0631<\/h2>\n

\u064a\u064f\u0639\u062f\u0651 \u0633\u062c\u0644\u0651 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0623\u0647\u0645\u0651 \u0641\u064a \u062a\u0635\u0646\u064a\u0641 FICO\u060c \u062d\u064a\u062b \u064a\u064f\u0645\u062b\u0651\u0644 35% \u0645\u0646 \u0648\u0632\u0646\u0647. \u0648\u064a\u064f\u0633\u062c\u0651\u0644 \u0647\u0630\u0627 \u0627\u0644\u0633\u062c\u0644\u0651 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u0642\u062f \u0633\u062f\u0651\u062f\u062a \u062c\u0645\u064a\u0639 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u064f\u062d\u062f\u0651\u062f. \u064a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0644\u0645\u062f\u0629 30 \u064a\u0648\u0645\u064b\u0627 \u0623\u0648 \u0623\u0643\u062b\u0631 \u062d\u0627\u0644\u0629 \u062a\u0639\u062b\u0651\u0631\u060c \u0648\u0642\u062f \u064a\u064f\u0624\u062f\u0651\u064a \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u062f\u0631\u062c\u0629 FICO \u0628\u0645\u0642\u062f\u0627\u0631 60 \u0625\u0644\u0649 110 \u0646\u0642\u0627\u0637. \u0623\u0645\u0627 \u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0627\u0644\u062a\u064a \u062a\u0642\u0644\u0651 \u0639\u0646 30 \u064a\u0648\u0645\u064b\u0627\u060c \u0641\u0644\u0627 \u064a\u062a\u0645\u0651 \u0627\u0644\u0625\u0628\u0644\u0627\u063a \u0639\u0646\u0647\u0627 \u0639\u0627\u062f\u0629\u064b. \u064a\u0628\u0642\u0649 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0645\u064f\u0633\u062c\u0651\u0644\u0627\u064b \u0641\u064a \u062a\u0642\u0631\u064a\u0631\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0645\u062f\u0651\u0629 7 \u0633\u0646\u0648\u0627\u062a\u060c \u0625\u0644\u0627 \u0623\u0646 \u062a\u0623\u062b\u064a\u0631\u0647 \u064a\u062a\u0636\u0627\u0621\u0644 \u0628\u0634\u0643\u0644 \u0645\u0644\u062d\u0648\u0638 \u0628\u0639\u062f \u0639\u0627\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0641\u064a \u0645\u0648\u0627\u0639\u064a\u062f\u0647\u0627 \u0627\u0644\u0645\u064f\u062d\u062f\u0651\u062f\u0629 \u0628\u0639\u062f \u0627\u0644\u062a\u0623\u062e\u064a\u0631.<\/p>\n