In the ever-evolving landscape of personal finance, 了解你的信用评分对于做出明智的财务决策很重要. 你的信用评分在决定你是否有资格获得贷款方面起着重要作用, 信用卡, and even apartment applications. 让我们深入了解信用是如何运作的，以及如何最好地帮助你的分数.
What is a 信用评分?
在其核心，信用评分是一个数字表示你的信誉. 它反映了你的信用记录，并为贷方提供了你偿还贷款的可能性的快速快照. 信用评分通常在300到850之间，分数越高表明信用越好.
Components of a 信用评分
信用评分模型考虑了各种因素来计算你的信用评分. The key components include:
- Payment History (35%):及时支付信用账户、贷款和账单会显著影响你的信用评分. Make sure to pay your bills on time. Setting up autopay in 在线 & 手机加拿大28软件 can help you make sure your payments are processed on time.
- Credit Utilization (30%):您当前信用卡余额与信用额度的比率. 以较低的利用率为目标，以对分数产生积极影响.
- Length of Credit History (15%): The average age of your credit accounts. The longer you’ve had credit available to you, the better. 如果你正在考虑关闭任何账户，不要关闭那些你已经开了很长时间的账户. It is better to close newer ones if possible. Here at Arbor, we offer Volt 信用卡 starting at the age of 16*. 这可以帮助你的孩子尽早开始建立他们的信用，并在他们需要的时候帮助他们拥有更长的信用记录.
-信贷组合 (10%): The types of credit accounts you have, including 信用卡, 抵押贷款, and installment loans. 这也包括最近对你信用记录的任何信用调查. 开设一个新的信用卡账户会减少你信用记录的平均年龄，并为你的信用记录增加一个新的查询, both of which can make your credit score dip slightly. 如果可能的话, 尽量将每个申请的数量控制在最低限度，并将任何需要信用检查的申请分开.
-新增学分 (10%):最近的信用查询和最近开设的账户数量. 在短时间内开设几个新账户可能被视为有风险的行为.
How to monitor your credit
Regularly Check Your Credit Report
Stay vigilant by reviewing your credit report regularly. 由法律规定, 您有权从每个主要信用局- equifax免费获得年度信用报告, 益百利, 和TransUnion. 检查可能影响你分数的不准确、欺诈活动或差异.
Utilize Credit Monitoring 服务
考虑使用信用监控服务，提供实时更新的变化，你的信用报告. These services can alert you to potential identity theft, unauthorized credit inquiries, or other activities that may impact your credit score.
Free Credit Check up
Here at Arbor, we offer our members one yearly, free credit check up. 在这种一对一的信用知识渊博的工作人员会密切关注你的信用报告，并帮助你确保你的目标和得分是在轨道上.
How to Improve Your 信用评分
如果你的信用评分不是你想要的，你可以采取以下步骤来改善它:
- Pay your bills on time. 如果你有较早的逾期付款，随着时间的推移，它们将开始变得不那么重要.
- Reduce credit card balances.
- Avoid opening multiple new accounts in a short period.
- Diversify your credit mix over time.
-还清所有信用卡余额，不要透支.
- Consolidate revolving debt when possible.
Understanding your credit score is Important. It empowers you to make informed financial decisions, access better interest 利率, and build a solid financial foundation. By staying proactive, regularly monitoring your credit, and taking steps to improve your score, you can navigate the world of personal finance with confidence.
* Parent approval required. parent may need to be a cosigner on the card. 利率 are variable. 资格是基于对个人信誉的评估和我们的承销标准. All Credit Union loan programs, 利率, 条款及条件如有更改，恕不另行通知. Not all applicants will qualify. 联系 us for more information. See full disclosure.
