近三千万美国人缺乏当前的信用记录或信用评级,使他们看不到信用。 他们名下的信用账户不到5个,超过6000万人被归类为”瘦档案”。 此外,目前拥有信用档案的美国消费者中有30%拥有次级信用——那些信用评分低于620分的人。

申请贷款、住房、甚至就业时,这些类别的人都是从不利地位出发的。 如果你属于这一类,你必须寻找机会建立财务稳定,而不仅仅是你的信用分数。

确保公用事业和租金支付应用于你的信用评分

你每个月总是按时支付房租、电报费、水费和能源费。 你知道这样对你的信用评分有帮助吗? 不,从来没有 这些支付经常被隐藏,因为许多公用事业公司没有向信用局提供他们的支付历史。

只有一两个信用局可以从这些企业中接收你的信息。 因此,你应该权衡你的选择,并确保谁检查你的信用,询问局知道你的租金支付。

要增强你的信用度,请使用其他信用数据。

寻找那些在你评估信用申请时使用替代信用数据的放款人,如果你没有信用记录,或者信用看不见,或者对美国来说是第一次,或者根本没有信用记录。

薪酬存根、交易趋势和现金流是替代信贷数据的一些例子。 为了提供这些数据,不需要活跃的贷方账户。

竞猜你的信用报告不准确

信用报告可能包含不准确的信息。 有时是计算机直接出错的结果。 其他时候,根本原因更邪恶。 不管谁该受责备,信用报告错误都会损害你的信用,让你远离金融稳定。

如果你看到一些似乎不对的地方,你应该向信贷机构提出争议。 法律要求他们调查此事并作出答复。 如果真的有错误,他们会把它消除的。

取得信贷额度和贷款联署人

为了帮助您获得贷款、信用卡或其他信用工具,联署人将自己的声誉(和信用)置于危险之中。

因为贷款是主要交易,所以最好只要求父母或兄弟姐妹等近亲属共同签订贷款。 如果你停止付款,联署人必须承担责任,否则他们的信用评分也会受到影响。 然而,如果你能找到一个愿意为你做这件事的人,它可能会给你带来很多有利可图的选择。

可悲的是,你的信用分数不仅仅是一个数字。 你的信用报告不仅仅是清单。 你的信用几乎影响你生活的每个方面,公平与否。

然而,你的确对你的未来有一定的影响。 当你试图达到财务安全时,有几个创新的策略来提高你的信用或完全避免你的信用评分。 下面是一些令人震惊的信用卡事实,你应该知道,以提高你的分数。

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By Xiu 秀

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