为什么我的信用评分比我想象的要低? 常见原因解释.

想要提高你的 信用评分? Check out these common reasons your 信用评分 isn't where you think it should be. 

Have you ever reviewed your 信用评分 and it wasn't at the level you expected? 有很多因素会影响你的信用评分, many of which may cause it to be lower than anticipated, 如:

迟交或漏交款项.

Payment history is a major component in your 信用评分. FICO says that it's the most important factor, accounting for 35% of your 信用评分.

If you miss a payment by just a few days, it probably won't be on your credit reports. 然而, 如果你的付款超过30天, your credit card company will report them to the credit bureaus as delinquent. 这会降低你的信用评分. If the payment is reported as being 60 or 90 days late, your 信用评分 could drop even more.

If you are having trouble making payments to multiple lenders, consider consolidating your debt:

信用报告上的贬损标记.

如果你的信用报告上有贬损的标记, you did not pay your loan in the way that was agreed upon by you and your lender. 信用报告上的贬损标记包括:  

1. 逾期付款
2. 收款(或冲销)帐目
3. 破产
4. 诉讼
5. 判断
6. 丧失抵押品赎回权
7. 税收留置权

There are two ways that you can get a derogatory mark on your credit reports. One way is if a lender or creditor reports negative information about you to the credit bureaus, 然后它显示为一个负的标记. The other way is if the credit bureaus add public records to your credit reports. These public records could be things like bankruptcies, civil judgments, or tax liens.

信贷利用率的变化.

Your credit utilization rate is another important factor in influencing your 信用评分 and can be used to determine how risky it is to lend you money. Lenders view someone who repeatedly max out their credit limit or goes over it as being more likely to have trouble paying back the money. 另一方面, 如果你只收取少量的费用, you may be more likely to pay off your balance in full each month, 这意味着贷款人认为你的风险较小.

为了保持你的信用评分稳定，我们 消费者金融保护局 recommends keeping your credit utilization rate below 30%.

例如:你有一个 credit limit of $10,000, but you're usually only spending $1,500 (which is 15% of the limit). If you spend $2,500 in a month, your utilization rate will still be acceptable at 25%. But, if you start spending $5,000 (which is 50% of the limit), your 信用评分 may begin to drop.

Closing a credit card and reducing your credit limit can also cause your credit utilization ratio to go up. The only way to avoid these factors from affecting your 信用评分 is to adjust your monthly spending to maintain a credit utilization rate below 30%. 

Recently applied for or opened multiple lines of credit.

If you apply for multiple credit accounts within a short period, 你可能会被贷款人视为更大的风险. This means that your 信用评分s could decrease if there have been several 硬性信贷查询 根据你最近的信用报告.

检查 or monitoring your credit report can be done without your 信用评分 taking a hit by using tools like 信贷 Karma. This doesn't affect your score because it results only in a 软信贷查询. 

信用新手，信用记录短.

Your credit history accounts for a large portion of your 信用评分. The only way to increase your 信用评分 after acquiring your first line of credit is to keep using credit responsibly. Before you know it, your 信用评分 will begin to climb!

身份盗窃.

One factor that could be affecting your 信用评分 that most people fear: your identity has been stolen and was used to apply for and open multiple lines of credit in your name. 

如果你发现这种情况，不要惊慌. There are multiple steps you can follow to help reverse the damage done to your 信用评分:

1. 激活欺诈警报和冻结您的信用报告.
2. 更改密码.
3. 将欺诈信息报告给 联邦贸易委员会.
4. 对受影响账户的欺诈行为提出异议.
   
   

不幸的是，身份盗窃是可能发生的. It's important to consistently check your credit reports to spot any suspicious activity and to prevent any future fraudulent activity.

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你的信用报告有错误.

放款人也会犯错. 

检查 your credit report can help you keep an eye on any errors that may cause your 信用评分 to lower. If you do find a mistake, you have the right to dispute it with the credit bureaus (益百利, TransUnion, Equifax)以及报告此事的贷方. 

Companies are required to investigate disputes without charging feeds and correct and verified errors as soon as possible.

总而言之: 

如果你发现你的信用评分下降了, it's important to find out why so you can take the right steps to improve it. Understanding the cause of the decline is key to improving your 信用评分.

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