Credit score
Credit company's data that used by many agency (lender, employer, landlord, ...) to judge a person's credit. The score is from about 400 to 900) above $740 should be the best group. Less than 620 is bad.
The major usage of credit score is the lender (bank) to judge your debt reply willingness. If you never borrow $10000, how do other know you will repay when you borrow $10000 first time. The credit line is increase slowly.
Usually you can have credit line equal to two to three times of your yearly income. If you never use them, you may not get it increase, the lender think you do not need it. Your debt vs. credit line will affect your credit score.
APR used to calculate the interest rate th elender charge you. Credit card calculate interest by days and use everage daily balance. If you balance is $2000 and APR is 15.9% you will be charge interest 2000*15.9/365/100 = $0.871/day.
我来米国三年,到现在还是没有搞清楚.
这个倒底是欠钱好呢,还是每月?
欠钱 a lot, then 都付清 after one month.
什么样的CREDIT记录才算好呢?我现在总共有,三张加起来.
740 point is the best.
At least 4 open account (credit account, car loan, instament loan, student loan....) and two year history.
我现在很想买台MAC G5...但是才付清信用卡,不知道在好不好?
这个APR什么之类的完全看不懂......晕死.
You do not need to 欠 if you do not have to. Many way to get credit score increased.
Any collection, court order(you lose) rental delay, will affect credit.
Credit company's data that used by many agency (lender, employer, landlord, ...) to judge a person's credit. The score is from about 400 to 900) above $740 should be the best group. Less than 620 is bad.
The major usage of credit score is the lender (bank) to judge your debt reply willingness. If you never borrow $10000, how do other know you will repay when you borrow $10000 first time. The credit line is increase slowly.
Usually you can have credit line equal to two to three times of your yearly income. If you never use them, you may not get it increase, the lender think you do not need it. Your debt vs. credit line will affect your credit score.
APR used to calculate the interest rate th elender charge you. Credit card calculate interest by days and use everage daily balance. If you balance is $2000 and APR is 15.9% you will be charge interest 2000*15.9/365/100 = $0.871/day.
我来米国三年,到现在还是没有搞清楚.
这个倒底是欠钱好呢,还是每月?
欠钱 a lot, then 都付清 after one month.
什么样的CREDIT记录才算好呢?我现在总共有,三张加起来.
740 point is the best.
At least 4 open account (credit account, car loan, instament loan, student loan....) and two year history.
我现在很想买台MAC G5...但是才付清信用卡,不知道在好不好?
这个APR什么之类的完全看不懂......晕死.
You do not need to 欠 if you do not have to. Many way to get credit score increased.
Any collection, court order(you lose) rental delay, will affect credit.
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