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tshbird
[从良贴]如何维护你的信用记录
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3
2005-05-08 00:22:00
- review your credit report and correct any
errors you find. Getting rid of inaccurate (and bad) information can
sometimes improve your score dramatically.
- Advice used to be given to close old and unused credit card
accounts in order to reduce your “potential” available credit (which
could change your debt ratio after you’ve been approved for a loan).
Now, however, the ratio of your debt to your credit limit is more
critical, so closing old accounts only raises that ratio – which you
don’t want to do. Some people have moved debt from several credit cards
to one card and then closed the old accounts. Since creditors look at
the debt-to-credit limit ratio this can have a bad affect on your
credit score because you have the same amount of debt but less
available credit. So don’t close old credit card accounts just because
you’re not using them. - Creditors also now look at the average age of your accounts so, again, keep those old accounts.
- Reduce your balances on credit cards to 75% or less of your available credit (25% is preferable).
- Pay your bills on time. (This is probably the most important of all!)
- Don't let anyone make an inquiry on your credit report unless
you absolutely have to. The more inquiries, the lower your score. - Don’t open new credit card accounts just to increase your available credit in the hopes of raising your score.
网上找来的，希望对大家理解信用记录有帮助。
虽然不是自己写的（也没这个水平了），版主认为好的话。咳，咳，恩，能不能给加个威望什么地？哈哈
才发现这里没有威望一说。^_^
谢谢，很有用。![]()
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多谢![]()
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