\n| Y\u00eau c\u1ea7u t\u00edn d\u1ee5ng m\u1edbi<\/td>\n | 10%<\/td>\n | C\u00e1c \u0111\u01a1n \u0111\u0103ng k\u00fd t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng m\u1edbi g\u1ea7n \u0111\u00e2y<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nY\u1ebfu t\u1ed1 1: L\u1ecbch s\u1eed thanh to\u00e1n (35%) - Y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng l\u1edbn nh\u1ea5t<\/h2>\nL\u1ecbch s\u1eed thanh to\u00e1n l\u00e0 y\u1ebfu t\u1ed1 c\u00f3 tr\u1ecdng s\u1ed1 cao nh\u1ea5t trong \u0111i\u1ec3m FICO, chi\u1ebfm 35%. N\u00f3 ghi nh\u1eadn vi\u1ec7c b\u1ea1n \u0111\u00e3 thanh to\u00e1n t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng \u0111\u00fang h\u1ea1n hay ch\u01b0a. M\u1ed9t kho\u1ea3n thanh to\u00e1n ch\u1eadm 30 ng\u00e0y tr\u1edf l\u00ean s\u1ebd \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o l\u00e0 n\u1ee3 qu\u00e1 h\u1ea1n v\u00e0 c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m \u0111i\u1ec3m t\u00edn d\u1ee5ng 750 t\u1eeb 60 \u0111\u1ebfn 110 \u0111i\u1ec3m. C\u00e1c kho\u1ea3n thanh to\u00e1n ch\u1eadm d\u01b0\u1edbi 30 ng\u00e0y th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o. M\u1ed9t khi n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o, n\u00f3 s\u1ebd t\u1ed3n t\u1ea1i tr\u00ean b\u00e1o c\u00e1o t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n trong 7 n\u0103m, m\u1eb7c d\u00f9 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 gi\u1ea3m \u0111\u00e1ng k\u1ec3 sau 2 n\u0103m thanh to\u00e1n \u0111\u00fang h\u1ea1n li\u00ean t\u1ee5c k\u1ec3 t\u1eeb s\u1ef1 ki\u1ec7n ch\u1eadm thanh to\u00e1n.<\/p>\n \n- M\u1ed9t l\u1ea7n thanh to\u00e1n tr\u1ec5 h\u1ea1n h\u01a1n 30 ng\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m \u0111i\u1ec3m t\u00edn d\u1ee5ng 750 t\u1eeb 60 \u0111\u1ebfn 110 \u0111i\u1ec3m.<\/li>\n
- Vi\u1ec7c ch\u1eadm thanh to\u00e1n 90 ng\u00e0y g\u00e2y thi\u1ec7t h\u1ea1i nghi\u00eam tr\u1ecdng h\u01a1n so v\u1edbi vi\u1ec7c ch\u1eadm thanh to\u00e1n 30 ng\u00e0y.<\/li>\n
- C\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n s\u1ebd hi\u1ec3n th\u1ecb tr\u00ean b\u00e1o c\u00e1o t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n trong 7 n\u0103m nh\u01b0ng s\u1ebd bi\u1ebfn m\u1ea5t sau 2 n\u0103m thanh to\u00e1n \u0111\u00fang h\u1ea1n.<\/li>\n
- Thi\u1ebft l\u1eadp thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng \u00edt nh\u1ea5t cho kho\u1ea3n thanh to\u00e1n t\u1ed1i thi\u1ec3u s\u1ebd ng\u0103n ch\u1eb7n ho\u00e0n to\u00e0n thi\u1ec7t h\u1ea1i n\u00e0y.<\/li>\n<\/ul>\n
T\u1eeb kinh nghi\u1ec7m th\u1ef1c t\u1ebf: \u0110i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u1ed9t nhi\u1ebfp \u1ea3nh gia t\u1ef1 do \u0111\u00e3 gi\u1ea3m 74 \u0111i\u1ec3m trong m\u1ed9t th\u00e1ng. C\u00f4 \u1ea5y ch\u01b0a bao gi\u1edd c\u1ed1 \u00fd b\u1ecf l\u1ee1 kho\u1ea3n thanh to\u00e1n n\u00e0o, nh\u01b0ng vi\u1ec7c thay \u0111\u1ed5i \u0111\u1ecba ch\u1ec9 thanh to\u00e1n \u0111\u00e3 khi\u1ebfn sao k\u00ea \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn \u0111\u1ecba ch\u1ec9 c\u0169 c\u1ee7a c\u00f4 \u1ea5y. M\u1ed9t th\u1ebb t\u00edn d\u1ee5ng \u0111\u00e3 qu\u00e1 h\u1ea1n 35 ng\u00e0y tr\u01b0\u1edbc khi c\u00f4 \u1ea5y ph\u00e1t hi\u1ec7n ra. M\u1ed9t l\u1ed7i h\u00e0nh ch\u00ednh \u0111\u00e3 g\u00e2y ra s\u1ef1 s\u1ee5t gi\u1ea3m \u0111i\u1ec3m t\u00edn d\u1ee5ng nghi\u00eam tr\u1ecdng. Ch\u00fang t\u00f4i \u0111\u00e3 g\u1eedi y\u00eau c\u1ea7u \u0111i\u1ec1u ch\u1ec9nh thi\u1ec7n ch\u00ed \u0111\u1ebfn t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh (th\u00e0nh c\u00f4ng m\u1ed9t ph\u1ea7n) v\u00e0 thi\u1ebft l\u1eadp thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng ngay l\u1eadp t\u1ee9c. \u0110i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a c\u00f4 \u1ea5y \u0111\u00e3 ph\u1ee5c h\u1ed3i, ch\u1ec9 c\u00f2n c\u00e1ch m\u1ee9c ban \u0111\u1ea7u 12 \u0111i\u1ec3m, trong v\u00f2ng 14 th\u00e1ng.<\/em><\/p>\nY\u1ebfu t\u1ed1 2: T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng (30%) Thay \u0111\u1ed5i nhanh nh\u1ea5t<\/h2>\nT\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c \u0111o b\u1eb1ng t\u1ed5ng s\u1ed1 d\u01b0 th\u1ebb t\u00edn d\u1ee5ng chia cho t\u1ed5ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng. T\u1ef7 l\u1ec7 \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb \u0111\u1ec3 c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng cao l\u00e0 d\u01b0\u1edbi 30%, v\u00e0 d\u01b0\u1edbi 10% s\u1ebd cho k\u1ebft qu\u1ea3 t\u1ed1i \u01b0u. Ng\u01b0\u1eddi c\u00f3 t\u1ed5ng h\u1ea1n m\u1ee9c 10.000 \u0111\u00f4 la n\u00ean gi\u1eef s\u1ed1 d\u01b0 d\u01b0\u1edbi 3.000 \u0111\u00f4 la \u0111\u1ec3 c\u00f3 \u0111i\u1ec3m t\u1ed1t v\u00e0 d\u01b0\u1edbi 1.000 \u0111\u00f4 la \u0111\u1ec3 c\u00f3 \u0111i\u1ec3m xu\u1ea5t s\u1eafc. T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n l\u1ea1i h\u00e0ng th\u00e1ng khi s\u1ed1 d\u01b0 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o; vi\u1ec7c tr\u1ea3 b\u1edbt d\u01b0 n\u1ee3 c\u00f3 th\u1ec3 l\u00e0m t\u0103ng \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n trong v\u00f2ng m\u1ed9t chu k\u1ef3 thanh to\u00e1n, khi\u1ebfn n\u00f3 tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 thay \u0111\u1ed5i nhanh nh\u1ea5t trong m\u00f4 h\u00ecnh FICO.<\/p>\n \n\n\n| T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng<\/th>\n | T\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111i\u1ec3m s\u1ed1<\/th>\n | V\u00ed d\u1ee5 (gi\u1edbi h\u1ea1n 10.000 \u0111\u00f4 la)<\/th>\n<\/tr>\n<\/thead>\n | \n\n| D\u01b0\u1edbi 10%<\/td>\n | Xu\u1ea5t s\u1eafc<\/td>\n | S\u1ed1 d\u01b0 d\u01b0\u1edbi 1.000 \u0111\u00f4 la<\/td>\n<\/tr>\n | \n| 10% \u0111\u1ebfn 30%<\/td>\n | T\u1ed1t<\/td>\n | S\u1ed1 d\u01b0 t\u1eeb 1.000 \u0111\u1ebfn 3.000 \u0111\u00f4 la<\/td>\n<\/tr>\n | \n| 30% \u0111\u1ebfn 50%<\/td>\n | M\u1ee9c \u0111\u1ed9 ti\u00eau c\u1ef1c v\u1eeba ph\u1ea3i<\/td>\n | S\u1ed1 d\u01b0 t\u1eeb 3.000 \u0111\u1ebfn 5.000 \u0111\u00f4 la<\/td>\n<\/tr>\n | \n| 50% \u0111\u1ebfn 75%<\/td>\n | Ti\u00eau c\u1ef1c \u0111\u00e1ng k\u1ec3<\/td>\n | S\u1ed1 d\u01b0 t\u1eeb 5.000 \u0111\u1ebfn 7.500 \u0111\u00f4 la<\/td>\n<\/tr>\n | \n| Tr\u00ean 75%<\/td>\n | Ti\u00eau c\u1ef1c nghi\u00eam tr\u1ecdng<\/td>\n | S\u1ed1 d\u01b0 tr\u00ean 7.500 \u0111\u00f4 la<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n T\u1eeb kinh nghi\u1ec7m th\u1ef1c t\u1ebf: M\u1ed9t ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u0111\u00e3 s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n cho c\u00e1c chi ph\u00ed kinh doanh, th\u01b0\u1eddng xuy\u00ean \u0111\u1ec3 d\u01b0 n\u1ee3 \u0111\u1ebfn 80% tr\u01b0\u1edbc khi thanh to\u00e1n to\u00e0n b\u1ed9. Anh \u1ea5y ch\u01b0a bao gi\u1edd tr\u1ea3 ch\u1eadm ho\u1eb7c tr\u1ea3 l\u00e3i nh\u01b0ng \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u1eabn ch\u1ec9 \u1edf m\u1ee9c kho\u1ea3ng 640. Anh \u1ea5y c\u1ea7n 680 \u0111i\u1ec3m \u0111\u1ec3 vay v\u1ed1n kinh doanh. Ch\u00fang t\u00f4i \u0111\u00e3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 trong 60 ng\u00e0y: anh \u1ea5y y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng (ngay l\u1eadp t\u1ee9c gi\u1ea3m t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng) v\u00e0 chuy\u1ec3n sang thanh to\u00e1n d\u01b0 n\u1ee3 hai l\u1ea7n m\u1ed9t th\u00e1ng. \u0110i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a anh \u1ea5y \u0111\u00e3 \u0111\u1ea1t 694 m\u00e0 kh\u00f4ng c\u1ea7n thay \u0111\u1ed5i b\u1ea5t k\u1ef3 th\u00f3i quen n\u00e0o kh\u00e1c.<\/em><\/p>\nY\u1ebfu t\u1ed1 3: Th\u1eddi gian l\u1ecbch s\u1eed t\u00edn d\u1ee5ng (15%)<\/h2>\nTh\u1eddi gian s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng chi\u1ebfm 15% \u0111i\u1ec3m FICO c\u1ee7a b\u1ea1n. N\u00f3 \u0111o l\u01b0\u1eddng tu\u1ed5i \u0111\u1eddi c\u1ee7a t\u00e0i kho\u1ea3n l\u00e2u \u0111\u1eddi nh\u1ea5t, tu\u1ed5i trung b\u00ecnh c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n v\u00e0 th\u1eddi gian k\u1ec3 t\u1eeb l\u1ea7n s\u1eed d\u1ee5ng cu\u1ed1i c\u00f9ng c\u1ee7a m\u1ed7i t\u00e0i kho\u1ea3n. Tu\u1ed5i trung b\u00ecnh l\u00fd t\u01b0\u1edfng c\u1ee7a t\u00e0i kho\u1ea3n th\u01b0\u1eddng l\u00e0 7 n\u0103m tr\u1edf l\u00ean. Vi\u1ec7c \u0111\u00f3ng c\u00e1c th\u1ebb t\u00edn d\u1ee5ng c\u0169 s\u1ebd l\u00e0m gi\u1ea3m tu\u1ed5i trung b\u00ecnh c\u1ee7a t\u00e0i kho\u1ea3n v\u00e0 \u0111\u1ed3ng th\u1eddi l\u00e0m t\u0103ng t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng t\u1ed5ng th\u1ec3, khi\u1ebfn n\u00f3 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng h\u00e0nh \u0111\u1ed9ng g\u00e2y h\u1ea1i nh\u1ea5t cho h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng l\u00e0nh m\u1ea1nh c\u1ee7a b\u1ea1n.<\/p>\n \n- Vi\u1ec7c \u0111\u00f3ng th\u1ebb t\u00edn d\u1ee5ng l\u00e2u n\u0103m nh\u1ea5t gi\u00fap gi\u1ea3m th\u1eddi gian s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng v\u00e0 \u0111\u1ed3ng th\u1eddi t\u0103ng t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng.<\/li>\n
- Vi\u1ec7c m\u1edf nhi\u1ec1u t\u00e0i kho\u1ea3n m\u1edbi s\u1ebd nhanh ch\u00f3ng l\u00e0m gi\u1ea3m tu\u1ed5i trung b\u00ecnh c\u1ee7a c\u00e1c t\u00e0i kho\u1ea3n.<\/li>\n
- C\u00e1c t\u00e0i kho\u1ea3n kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng c\u00f3 th\u1ec3 b\u1ecb t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh \u0111\u00f3ng l\u1ea1i; th\u1ec9nh tho\u1ea3ng h\u00e3y s\u1eed d\u1ee5ng l\u1ea1i c\u00e1c th\u1ebb c\u0169 \u0111\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang.<\/li>\n<\/ul>\n
Y\u1ebfu t\u1ed1 4 v\u00e0 5: C\u01a1 c\u1ea5u t\u00edn d\u1ee5ng (10%) v\u00e0 T\u00edn d\u1ee5ng m\u1edbi (10%)<\/h2>\nCh\u1ec9 s\u1ed1 h\u1ed7n h\u1ee3p t\u00edn d\u1ee5ng \u0111\u00e1nh gi\u00e1 xem b\u1ea1n c\u00f3 kinh nghi\u1ec7m qu\u1ea3n l\u00fd c\u00e1c lo\u1ea1i t\u00edn d\u1ee5ng kh\u00e1c nhau hay kh\u00f4ng: t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng quay v\u00f2ng (th\u1ebb t\u00edn d\u1ee5ng) v\u00e0 c\u00e1c kho\u1ea3n vay tr\u1ea3 g\u00f3p (\u00f4 t\u00f4, sinh vi\u00ean, c\u00e1 nh\u00e2n, th\u1ebf ch\u1ea5p). C\u00e1c y\u00eau c\u1ea7u t\u00edn d\u1ee5ng m\u1edbi chi\u1ebfm 10%, m\u1ed7i y\u00eau c\u1ea7u ki\u1ec3m tra t\u00edn d\u1ee5ng nghi\u00eam ng\u1eb7t t\u1eeb m\u1ed9t \u0111\u01a1n \u0111\u0103ng k\u00fd th\u01b0\u1eddng l\u00e0m gi\u1ea3m \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n t\u1eeb 5 \u0111\u1ebfn 10 \u0111i\u1ec3m trong t\u1ed1i \u0111a 12 th\u00e1ng. Nhi\u1ec1u y\u00eau c\u1ea7u vay th\u1ebf ch\u1ea5p ho\u1eb7c vay mua \u00f4 t\u00f4 trong v\u00f2ng 14 \u0111\u1ebfn 45 ng\u00e0y \u0111\u01b0\u1ee3c FICO coi l\u00e0 m\u1ed9t y\u00eau c\u1ea7u duy nh\u1ea5t, v\u00ec FICO nh\u1eadn th\u1ea5y r\u1eb1ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u01b0\u1eddng so s\u00e1nh l\u00e3i su\u1ea5t.<\/p>\n \n\n\n| Lo\u1ea1i y\u00eau c\u1ea7u<\/th>\n | T\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111i\u1ec3m s\u1ed1<\/th>\n | V\u00ed d\u1ee5<\/th>\n<\/tr>\n<\/thead>\n | \n\n| Cu\u1ed9c \u0111i\u1ec1u tra kh\u00f3 kh\u0103n<\/td>\n | 5 \u0111\u1ebfn 10 \u0111i\u1ec3m, t\u1ed1i \u0111a 12 th\u00e1ng.<\/td>\n | \u0110\u01a1n \u0111\u0103ng k\u00fd th\u1ebb t\u00edn d\u1ee5ng, th\u1ebf ch\u1ea5p nh\u00e0, vay mua \u00f4 t\u00f4, vay c\u00e1 nh\u00e2n<\/td>\n<\/tr>\n | \n| Y\u00eau c\u1ea7u t\u01b0 v\u1ea5n nh\u1eb9 nh\u00e0ng<\/td>\n | T\u00e1c \u0111\u1ed9ng \u0111i\u1ec3m s\u1ed1 b\u1eb1ng kh\u00f4ng<\/td>\n | Ki\u1ec3m tra \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n, ki\u1ec3m tra l\u00fd l\u1ecbch nh\u00e0 tuy\u1ec3n d\u1ee5ng, c\u00e1c l\u1eddi \u0111\u1ec1 ngh\u1ecb \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nC\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\nH\u1ecfi: T\u00f4i c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh nhanh \u0111\u1ebfn m\u1ee9c n\u00e0o?<\/strong>
\nA: C\u00e1ch c\u1ea3i thi\u1ec7n nhanh nh\u1ea5t l\u00e0 gi\u1ea3m t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng; \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap t\u0103ng \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n trong v\u00f2ng m\u1ed9t chu k\u1ef3 thanh to\u00e1n (30 \u0111\u1ebfn 45 ng\u00e0y). Tr\u1ea3 b\u1edbt n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft h\u1ea1n m\u1ee9c c\u00f3 th\u1ec3 gi\u00fap t\u0103ng t\u1eeb 20 \u0111\u1ebfn 50 \u0111i\u1ec3m. Vi\u1ec7c c\u1ea3i thi\u1ec7n l\u1ecbch s\u1eed thanh to\u00e1n c\u1ea7n t\u1eeb 6 \u0111\u1ebfn 12 th\u00e1ng thanh to\u00e1n \u0111\u00fang h\u1ea1n li\u00ean t\u1ee5c \u0111\u1ec3 b\u00f9 \u0111\u1eafp \u0111\u00e1ng k\u1ec3 cho c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n tr\u01b0\u1edbc \u0111\u00e2y. H\u00e3y s\u1eed d\u1ee5ng... C\u00f4ng c\u1ee5 t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng<\/a> at ToolsTechnique to model your improvement path.<\/p>\nH\u1ecfi: Vi\u1ec7c ki\u1ec3m tra \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a ch\u00ednh m\u00ecnh c\u00f3 \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng kh\u00f4ng?<\/strong>
\nA: Kh\u00f4ng. Vi\u1ec7c ki\u1ec3m tra \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a ch\u00ednh b\u1ea1n l\u00e0 m\u1ed9t y\u00eau c\u1ea7u ki\u1ec3m tra nh\u1eb9 nh\u00e0ng, kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111i\u1ec3m s\u1ed1. B\u1ea1n \u0111\u01b0\u1ee3c quy\u1ec1n nh\u1eadn m\u1ed9t b\u00e1o c\u00e1o t\u00edn d\u1ee5ng mi\u1ec5n ph\u00ed m\u1ed7i n\u0103m t\u1eeb m\u1ed7i c\u01a1 quan (Equifax, Experian v\u00e0 TransUnion) t\u1ea1i annualcreditreport.com. Nhi\u1ec1u nh\u00e0 ph\u00e1t h\u00e0nh th\u1ebb c\u0169ng cung c\u1ea5p quy\u1ec1n truy c\u1eadp \u0111i\u1ec3m FICO mi\u1ec5n ph\u00ed h\u00e0ng th\u00e1ng th\u00f4ng qua \u1ee9ng d\u1ee5ng c\u1ee7a h\u1ecd.<\/p>\nH\u1ecfi: Vi\u1ec7c \u0111\u00f3ng th\u1ebb t\u00edn d\u1ee5ng c\u00f3 \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a t\u00f4i kh\u00f4ng?<\/strong>
\nA: Th\u00f4ng th\u01b0\u1eddng l\u00e0 c\u00f3, vi\u1ec7c n\u00e0y l\u00e0m gi\u1ea3m h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng kh\u1ea3 d\u1ee5ng (l\u00e0m t\u0103ng t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng) v\u00e0 c\u00f3 th\u1ec3 r\u00fat ng\u1eafn th\u1eddi gian l\u1ecbch s\u1eed t\u00edn d\u1ee5ng. N\u1ebfu b\u1ea1n b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u00f3ng th\u1ebb, h\u00e3y \u0111\u00f3ng th\u1ebb m\u1edbi nh\u1ea5t c\u00f3 h\u1ea1n m\u1ee9c th\u1ea5p nh\u1ea5t, ch\u1ee9 kh\u00f4ng ph\u1ea3i th\u1ebb l\u00e2u \u0111\u1eddi nh\u1ea5t ho\u1eb7c c\u00f3 h\u1ea1n m\u1ee9c cao nh\u1ea5t.<\/p>\nH\u1ecfi: Vi\u1ec7c tr\u1ec5 h\u1ea1n thanh to\u00e1n s\u1ebd l\u00e0m gi\u1ea3m \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a t\u00f4i bao nhi\u00eau?<\/strong>
\nA: T\u00e1c \u0111\u1ed9ng ph\u1ee5 thu\u1ed9c v\u00e0o \u0111i\u1ec3m t\u00edn d\u1ee5ng ban \u0111\u1ea7u c\u1ee7a b\u1ea1n. \u0110i\u1ec3m 750 c\u00f3 th\u1ec3 gi\u1ea3m t\u1eeb 60 \u0111\u1ebfn 110 \u0111i\u1ec3m ch\u1ec9 sau m\u1ed9t l\u1ea7n thanh to\u00e1n ch\u1eadm 30 ng\u00e0y. \u0110i\u1ec3m 680 s\u1ebd gi\u1ea3m t\u1eeb 40 \u0111\u1ebfn 70 \u0111i\u1ec3m. \u0110i\u1ec3m cao h\u01a1n s\u1ebd gi\u1ea3m nhi\u1ec1u h\u01a1n v\u00ec c\u00f3 nhi\u1ec1u th\u1ee9 \u0111\u1ec3 m\u1ea5t h\u01a1n. H\u1ea7u h\u1ebft t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng s\u1ebd gi\u1ea3m d\u1ea7n trong v\u00f2ng 2 n\u0103m sau khi b\u1ea1n thanh to\u00e1n \u0111\u00fang h\u1ea1n tr\u1edf l\u1ea1i.<\/p>\nH\u1ecfi: T\u00f4i c\u1ea7n \u0111i\u1ec3m t\u00edn d\u1ee5ng bao nhi\u00eau \u0111\u1ec3 vay mua nh\u00e0?<\/strong>
\nA: C\u00e1c kho\u1ea3n vay th\u1ebf ch\u1ea5p th\u00f4ng th\u01b0\u1eddng th\u01b0\u1eddng y\u00eau c\u1ea7u \u0111i\u1ec3m FICO t\u1ed1i thi\u1ec3u l\u00e0 620. C\u00e1c kho\u1ea3n vay FHA cho ph\u00e9p \u0111i\u1ec3m FICO t\u1eeb 580 tr\u1edf l\u00ean v\u1edbi kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc 3,5%. L\u00e3i su\u1ea5t t\u1ed1t nh\u1ea5t d\u00e0nh cho ng\u01b0\u1eddi vay c\u00f3 \u0111i\u1ec3m FICO t\u1eeb 740 tr\u1edf l\u00ean. Theo... CFPB<\/a>Ch\u00eanh l\u1ec7ch 100 \u0111i\u1ec3m c\u00f3 th\u1ec3 l\u00e0m thay \u0111\u1ed5i l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ee7a b\u1ea1n t\u1eeb 0,5% \u0111\u1ebfn 1,5%, khi\u1ebfn b\u1ea1n ph\u1ea3i tr\u1ea3 th\u00eam h\u00e0ng ch\u1ee5c ngh\u00ecn \u0111\u00f4 la trong v\u00f2ng 30 n\u0103m.<\/p>\nH\u00e3y b\u1eaft \u0111\u1ea7u c\u1ea3i thi\u1ec7n \u0111i\u1ec3m s\u1ed1 c\u1ee7a b\u1ea1n ngay h\u00f4m nay!<\/h2>\nHai h\u00e0nh \u0111\u1ed9ng c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn nh\u1ea5t l\u00e0: thi\u1ebft l\u1eadp thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng cho t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n v\u00e0 tr\u1ea3 b\u1edbt n\u1ee3 tr\u00ean b\u1ea5t k\u1ef3 th\u1ebb t\u00edn d\u1ee5ng n\u00e0o c\u00f3 m\u1ee9c s\u1eed d\u1ee5ng tr\u00ean 30%. Hai vi\u1ec7c n\u00e0y chi\u1ebfm 65% t\u1ed5ng \u0111i\u1ec3m FICO c\u1ee7a b\u1ea1n.<\/p>\n H\u00e3y s\u1eed d\u1ee5ng mi\u1ec5n ph\u00ed C\u00f4ng c\u1ee5 t\u00ednh \u0111i\u1ec3m t\u00edn d\u1ee5ng<\/a> T\u1ea1i ToolsTechnique, b\u1ea1n c\u00f3 th\u1ec3 \u01b0\u1edbc t\u00ednh c\u00e1c y\u1ebfu t\u1ed1 \u0111i\u1ec3m s\u1ed1 hi\u1ec7n t\u1ea1i c\u1ee7a m\u00ecnh, sau \u0111\u00f3 s\u1eed d\u1ee5ng... M\u00e1y t\u00ednh tr\u1ea3 n\u1ee3<\/a> X\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 nh\u1eb1m gi\u1ea3m t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng n\u1ee3 nhanh nh\u1ea5t c\u00f3 th\u1ec3.
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