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什么是信用,为什么它很重要?

2021年8月25日,14分钟阅读

你的信用比大多数人在申请第一张信用卡或开第一个商店账户时意识到的更重要. 信用影响你生活的许多方面——从你住在哪里,到你工作的地方,甚至你付多少汽车保险.

了解信用卡的基本知识可以帮助你决定你需要的信用卡的类型和金额. Whether you’re just beginning your financial journey or you’re trying to 重建你的信用, 本文将帮助您了解其中的好处, 关于信用的那些不好的和丑陋的东西可以让你免于被信用冲昏头脑的痛苦.

什么是信用?

In a consumer-based society, like the one we have in the U.S.在美国,信用是生活中的一个基本事实. Whether you have a long and well-established credit history, 不良信用记录或几乎没有信用记录, 你的信用——或者缺乏信用——会对你的生活质量和财务状况产生深远的影响.

没有信用卡,你买任何东西都必须付现金. 不幸的是,有些东西太贵了,不能提前付现金——至少对一般人来说是这样. Credit allows you to purchase the goods and 服务 you need now and pay for them over time.

Without the ability to use a credit 卡 or get a short-term loan, 生活中的一些小紧急事件可能会成为你和你的家人的巨大负担和巨大的经济负担. 良好的信用可以帮助你渡过难关,继续面对你面前的下一个挑战.

如果你打算买房, purchase a car or rent an apartment in a desirable area, 你必须要有信用. More importantly, you need to have good credit in your name to achieve these goals.

为什么信用很重要?

信用的重要性是很难量化的. Your credit score is one of the most important numbers, 从经济角度讲, 对于普通美国成年人来说. 认真. Without good credit, you may have difficulty with the following:

  • 买房 -买房是一件大事. 平均房价在上涨, it’s unlikely you’ll be able to save enough to pay cash upfront for your home anytime soon. That means you’ll need to have a high enough credit score to qualify for a mortgage loan. 除此之外, 虽然, your credit rating can also determine your interest rate, which ultimately determines how much you pay for your home in the long run.
  • 租公寓或房子 -许多房东要求在申请过程中提供信用评分,并利用信用信息来决定他们是否相信你能够支付每月的租金——或者甚至他们相信你会支付租金.
  • 提供实用的存款 — Utility deposits are becoming facts of life for consumers. 如果你信用不好, 虽然, those deposits may be higher than the same deposits for people who have good credit. 拥有良好的信用意味着你可以少付押金,在某些情况下,可能什么都不用付.
  • 有资格申请汽车或其他贷款符合条件的贷款 是很困难的, especially if the loan is one for which there’s no collateral to guarantee repayment. 良好的信用可以使一切都不同, 允许你购买你想要的汽车,而不是贷款人愿意为你融资的汽车.
  • 支付更低的汽车保险费率 -在一些州, 您的汽车保险费用可能被确定, 在某种程度上, 根据你的信用评分. The better your score, the lower your insurance rates.
  • 租一辆车 — It's possible to rent a car without a credit (not debit) 卡, but the deposits required for this privilege can be rather prohibitive. Yet, there are some moments in life when renting a car is almost a necessity. A good credit score can help you save a lot of money on the car rental process.
  • 从事某些工作 -一些工作需要良好的信用评级,以获得适当的安全许可, handle large sums of money or even manage people who handle valuable items. Some states have strict laws regulating the use of credit scores for employment, but some industries remain exempt from many of those requirements.
  • 购买手机服务套餐 — Many mobile phone plans require good credit for a long-term plan. Al虽然 many companies offer prepaid options that are attractive, some users feel they sacrifice certain 服务 or “perks” by going the prepaid route.
  • 突发事件管理 -良好的信用可以帮助你处理紧急情况和意想不到的开支, 比如医药费, vehicle repairs or the need to travel for a family emergency.
  • 获得商业贷款 -虽然你的公司是一个独立的实体, the credit used to start a business is your personal credit. 如果你一直梦想拥有自己的公司, the only way to make that happen is to begin with solid credit.

As you can see, your credit score affects nearly every aspect of your financial life. To a large extent, it can be instrumental in determining your quality of life as you age. 这就是为什么早点开始建立积极的信用习惯和培养良好的信用评分是如此重要.

什么是信用评分?

你已经听过很多关于良好信用的谈论. But what does that really mean, and how do you know if you have it?

信用评分是一个数字,在金融行业中用来表示一个人的信誉. The lowest score is 300, and the highest possible score is 850. 你的信用评分越高, 在申请贷款时,你被批准的几率越大——只要你满足与你合作的贷款机构的其他最低标准.

Each lending institution has its own system of scoring credit, but the generally accepted credit score for good credit is between 670 and 739. 740到799分被认为是非常好的学分, 800分以上被认为是优秀的学分.

虽然你比你的信用评分要高得多, this number is all many lenders will see about you when making credit decisions. 如果你的信用评分不够高, 你很可能会被拒绝提供标准的信贷,只有高风险的信贷选择.

高风险贷款机构通常收取高额费用和高昂的利率,并向借款人提供不利的条件. 慢慢来,尽早建立良好的信用,要比落入如今大量存在的高风险信用陷阱中的一个好得多.

信用如何计算?

每个债权人都有不同的要求和公式来决定是否愿意接受你的信用风险. 债权人会根据你的主要信用评分机构的信用评分和他们自己的要求来决定.

There are two primary scoring models used to determine credit scores:

  • VantageScore
  • Fair Isaac公司.)

这两个分数有多普遍? 据介绍,这两家公司每年合计决定约200亿信用评分 益百利. VantageScore is a relative newcomer to the industry as it has only been around since 2006. FICO是一个较老的实体, 起源于1956年, but it’s only been calculating credit scores since 1989.

幸运的是, 这些组织代表你做计算, 你不需要为了确定你的信用评分而进行一些繁重的计算. It’s a good idea to know what your credit score is, however. 你可以每年从以下三家信用报告机构获得一份免费的信用报告:

  1. 益百利
  2. Transunion
  3. Equifax

你可以从一个来源获得所有这三份报告: AnnualCreditReport.com. If you prefer to check more often than once per year, you may do so, for a fee.

良好的信用和. 不良信贷

到现在为止, 你知道,如果你想支付更低的利率,并在生活中获得一些更好的物质享受,良好的信用比不良的信用要好. 你可能不明白的是,你需要做什么来拥有好的信用而不是坏的信用.

什么是好的信用?

Good credit is, essentially, a credit score of 670 or greater. 在这个范围内的分数可以让你获得比信用良好的人更好的利率. 它还可以让你获得低利率时无法获得的融资选择.

Even government-backed home loans require a minimum credit score of 620 or greater. 这与次级贷款利率有关,从长远来看,购房者要实现他们的购房梦想要付出更多的代价. 在申请任何主要的贷款或融资之前,花大量的时间来提高你的信用评分是值得的.

什么是不良信用?

Bad credit is what happens when you have too much debt, 没有按时支付账单, 与不同的贷方一起进行帐户回收, 或经历丧失抵押品赎回权, 拆迁或破产.

不良信贷有三个主要原因. 第一个是无效的资金管理. Even if you have the money to pay your bills each month, 有些人经常拖欠付款, 哪些会导致负面的信用评分, 罚款及滞纳金.

第二个是你无法控制的环境. 有时候意想不到的事情会发生. 人们失去工作, 他们因为流行病而失业一年多,或者他们有医疗紧急情况,使他们负债累累. Life happens, and it can sometimes have a negative effect on your credit.

信用不良的第三个原因是过度扩张. 人们很容易透支自己的信用. 现在就买你想要的东西,然后随着时间的推移再付钱,这种想法可能会令人陶醉——尤其是在一个新的1美元的社会,每个主要品牌每年都要推出两次000部手机.

底线

There’s no denying the importance of credit in today’s modern society. 现在你明白什么是信用了, 为什么它很重要, 如何计算的, 以及信用好坏的区别, you’re well equipped to make better financial decisions.

It takes practice, diligence and self-control to manage your credit effectively. 但是,这样做的奖励是一个良好的信用评分,使你可以购买你需要的东西——和许多你想要的东西.

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