{"id":59,"date":"2015-10-02T21:26:04","date_gmt":"2015-10-03T01:26:04","guid":{"rendered":"http:\/\/yibababa.com\/?p=59"},"modified":"2015-10-02T21:26:04","modified_gmt":"2015-10-03T01:26:04","slug":"%e6%88%91%e7%9a%84american-express%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%bc%80%e5%a7%8b%e6%8f%90%e4%be%9b%e5%85%8d%e8%b4%b9fico%e4%bf%a1%e7%94%a8%e5%88%86%e6%95%b0","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/59","title":{"rendered":"\u6211\u7684American Express\u4fe1\u7528\u5361\u63d0\u4f9b\u514d\u8d39FICO\u4fe1\u7528\u5206\u6570"},"content":{"rendered":"<p>\u5728\u7f8e\u56fd\u751f\u6d3b\u7684\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u53ea\u8981\u6709<a href=\"http:\/\/www.socialsecurity.gov\/ssnumber\/\" target=\"_blank\">\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff08SSN\uff09<\/a>\u90fd\u4f1a\u6709\u81ea\u5df1\u7684<a href=\"http:\/\/bit.ly\/1NahBQr\" target=\"_blank\">\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\uff08Credit Score\uff09<\/a>\u3002\u4e2a\u4eba\u9700\u8981\u7533\u8bf7\u4fe1\u7528\u5361\u3001\u8d37\u6b3e\uff08\u8f66\u8d37\u3001\u623f\u8d37\u7b49\uff09\u7684\u65f6\u5019\uff0c\u94f6\u884c\u6216\u5176\u5b83\u91d1\u878d\u673a\u6784\u90fd\u4f1a\u5411\u4fe1\u7528\u8c03\u67e5\u8bc4\u7ea7\u516c\u53f8\u63d0\u53d6\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\uff0c\u7136\u540e\u6839\u636e\u4f60\u7684\u6536\u5165\u60c5\u51b5\u4e0e\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\u7684\u9ad8\u4f4e\u7b49\u6765\u51b3\u5b9a\u662f\u5426\u6279\u51c6\u7533\u8bf7\u3001\u4fe1\u7528\u5361\u6216\u8d37\u6b3e\u7684\u989d\u5ea6\u3001\u5229\u606f\u7684\u9ad8\u4f4e\u3002\u5176\u4e2d\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\u8d77\u4e86\u975e\u5e38\u91cd\u8981\u7684\u4f5c\u7528\uff0c\u5373\u4f7f\u4f60\u7684\u6536\u5165\u5f88\u9ad8\uff0c\u5982\u679c\u4fe1\u7528\u5206\u6570\u5f88\u4f4e\uff0c\u91d1\u878d\u673a\u6784\u672a\u5fc5\u4f1a\u6279\u51c6\u4f60\u7684\u7533\u8bf7\u3002<\/p>\n<p>\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\u662f\u7531\u7f8e\u56fd\u4e09\u5bb6\u4fe1\u7528\u8c03\u67e5\u516c\u53f8\uff08Equifax, Experian, TransUnion\uff09\u6839\u636e\u6bcf\u4e2a\u4eba\u7684\u4fe1\u7528\u6d88\u8d39\u60c5\u51b5\u4f7f\u7528Fair Issac Corporation\u516c\u53f8\u7684\u8f6f\u4ef6\u8fdb\u884c\u5206\u6790\u8ba1\u7b97\u7684\uff0c\u6240\u4ee5\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\u53c8\u53ebFICO Score\u3002<a href=\"https:\/\/en.wikipedia.org\/wiki\/Credit_score_in_the_United_States#FICO_score\" target=\"_blank\">FICO Score<\/a>\u7684\u5206\u6570\u8303\u56f4\u4e00\u822c\u662f300&#8211;850\u4e4b\u95f4\uff0c\u4fe1\u7528\u5206\u6570\u8d8a\u9ad8\u8d8a\u597d\uff0c\u4e5f\u8d8a\u5bb9\u6613\u7533\u8bf7\u5230\u4fe1\u7528\u5361\u6216\u8d37\u6b3e\uff0c\u800c\u4e14\u8d37\u6b3e\u7684\u5229\u7387\u4f1a\u8d8a\u4f4e\u3002<\/p>\n<p><span style=\"color: #0000ff;\">\u54ea\u4e9b\u56e0\u7d20\u51b3\u5b9a\u4e86\u60a8\u7684\u4fe1\u7528\u5206\u6570\u9ad8\u4f4e<\/span>\uff1f<\/p>\n<ul>\n<li><strong><span style=\"color: #000000;\">\u8fd8\u6b3e\u8bb0\u5f55\uff08Payment History\uff09<\/span><\/strong>\uff1a\u5982\u679c\u60a8\u6709\u8d37\u6b3e\uff0c\u6216\u662f\u6709\u7528\u4fe1\u7528\u5361\u6ca1\u6709\u95ee\u9898\uff0c\u95ee\u9898\u662f\u60a8\u662f\u5426\u53ef\u4ee5\u6309\u65f6\u8fd8\u6b3e\u548c\u4ed8\u6e05\u8d26\u5355\uff0c \u5982\u679c\u60a8\u7684\u8fd8\u6b3e\u8bb0\u5f55\u597d\uff0c\u5bf9\u60a8\u4fe1\u7528\u5206\u6570\u7684\u63d0\u4f9b\u4f1a\u6709\u5f88\u5927\u5e2e\u52a9\u3002<\/li>\n<li><strong>\u6b20\u6b3e\u91d1\u989d\uff08Amount Owed\uff09<\/strong>\uff1a\u60a8\u7684\u503a\u52a1\u548c\u4fe1\u7528\u989d\u5ea6\uff08Credit Limit\uff09\u7684\u6bd4\u4f8b\u4e0d\u80fd\u8fc7\u9ad8\uff0c\u4f1a\u5bf9\u4fe1\u7528\u5206\u6570\u6709\u5f71\u54cd\uff1b\u76f8\u53cd\uff0c\u5982\u679c\u60a8\u4e0d\u501f\u4e00\u5206\u94b1\uff0c\u4e5f\u5c31\u662f\u6ca1\u6709\u503a\u52a1\u7684\u8bdd\uff0c\u540c\u6837\u4f1a\u5bf9\u60a8\u7684\u4fe1\u7528\u5206\u6570\u4e5f\u6709\u8d1f\u9762\u5f71\u54cd\uff0c \u6240\u4ee5\u8981\u4fdd\u6301\u4e00\u4e2a\u5408\u7406\u7684\u6bd4\u4f8b\u3002<\/li>\n<li><strong>\u4fe1\u7528\u8bb0\u5f55\u7684\u957f\u5ea6\uff08Length of Credit History)<\/strong>\uff1a\u8fd9\u91cc\u6709\u4e00\u4e2a\u95ee\u9898\uff0c \u5982\u679c\u60a8\u6ca1\u6709\u7f8e\u56fd\u7684\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff0c\u4fe1\u7528\u8c03\u67e5\u5c40\u6ca1\u6709\u529e\u6cd5\u6536\u96c6\u60a8\u7684\u4fe1\u7528\u5386\u53f2\uff1b\u4e00\u822c\u597d\u7684\u4fe1\u7528\u8981\u6709\u8d77\u7801\u4e24\u5e74\u4ee5\u4e0a\u7684\u4fe1\u7528\u5386\u53f2\uff1b\u8fd9\u5305\u62ec\u4e86\u4f60\u7684\u6240\u6709\u4fe1\u7528\u5361\uff08\u6216\u8d37\u6b3e\uff09\u7684\u5e73\u5747\u65f6\u95f4\u957f\u77ed\uff0c\u4ee5\u53ca\u4f60\u6700\u4e45\u7684\u90a3\u5f20\u4fe1\u7528\u5361\u7684\u957f\u77ed\uff1b\u6240\u4ee5\u4f60\u7684\u7b2c\u4e00\u5f20\u4fe1\u7528\u5361\u6700\u597d\u7533\u8bf7\u6ca1\u6709\u5e74\u8d39\u7684\u5361\uff0c\u7136\u540e\u4e00\u76f4\u4e0d\u8981\u53d6\u6d88\uff1b\u5e76\u4e14\u4f60\u7684\u6709\u5e74\u8d39\u7684\u5361\u6700\u597d\u7b49\u52309&#8211;11\u4e2a\u6708\u4ee5\u540e\u518d\u53d6\u6d88\uff0c\u4e0d\u8981\u4e00\u62ff\u5230\u4f60\u7684\u5f00\u5361\u5956\u52b1\u5c31\u53d6\u6d88\u6389\uff0c\u8fd9\u6837\u90fd\u6709\u5229\u4e8e\u589e\u957f\u4f60\u7684Credit History\u7684\u957f\u5ea6\u3002<\/li>\n<li>\u5176\u5b83\u8fd8\u5305\u62ec\u60a8<strong>\u65b0\u589e\u7684\u4fe1\u7528\u8d26\u6237<\/strong>\uff08New Credit Account)\u548c\u60a8<strong>\u501f\u6b3e\u7684\u79cd\u7c7b<\/strong>(types of credit used)\u3002<\/li>\n<\/ul>\n<p>\u8bb8\u591a\u4eba\u90fd\u77e5\u9053\uff0c\u6839\u636e\u7f8e\u56fd\u8054\u90a6\u6cd5\u5f8b\u89c4\u5b9a (Fair and Accurate Credit Transactions Act)\uff0c\u6bcf\u4eba\u6bcf12\u4e2a\u6708\u53ef\u4ee5\u5411\u6bcf\u4e00\u95f4\u4fe1\u7528\u8c03\u67e5\u62a5\u544a\u516c\u53f8\u7d22\u53d6\u4e00\u4efd\u514d\u8d39\u7684\u4fe1\u7528\u62a5\u544a\uff0c\u53ef\u4ee5\u5728\u653f\u5e9c\u8ba4\u53ef\u7684\u7f51\u7ad9 AnnualCreditReport.com \u7d22\u53d6\u81ea\u5df1\u5728\u4e09\u5bb6\u4fe1\u7528\u8c03\u67e5\u62a5\u544a\u516c\u53f8\u7684\u4fe1\u7528\u62a5\u544a\u3002<span style=\"color: #0000ff;\">\u4fe1\u7528\u62a5\u544a\u91cc\u9762\u901a\u5e38\u4f1a\u5305\u62ec\u4ee5\u4e0b\u8d44\u8baf<\/span>\uff1a<\/p>\n<ul>\n<li><strong>\u57fa\u672c\u8d44\u6599<\/strong>\uff1a\u59d3\u540d\uff0c\u751f\u65e5\uff0c\u793e\u4f1a\u5b89\u5168\u7801 (Social Security Number)\uff0c\u6700\u8fd1\u4f4f\u8fc7\u7684\u4f4f\u5740\u3001\u96c7\u4e3b\u7b49\u7b49\uff1b<\/li>\n<li><strong>\u4fe1\u7528\u5e10\u6237\u8d44\u6599<\/strong>\uff1a\u6240\u6709\u7684\u4fe1\u7528\u5e10\u6237\uff0c\u5305\u542b\u4fe1\u7528\u5361\uff0c\u8f66\u8d37\uff0c\u623f\u8d37\u7b49\u7b49\uff0c\u5f00\u6237\u9500\u6237\u7684\u5e74\u6708\uff0c\u5e10\u6237\u989d\u5ea6 (credit limit)\uff0c\u6bcf\u671f\u5e10\u5355\u91d1\u989d (statement balance) \u53ca\u7f34\u6b3e\u91d1\u989d\uff0c\u4e5f\u4f1a\u5217\u51fa\u5e10\u6237\u662f\u5426\u6709\u5f02\u5e38\uff08\u4f8b\u5982\u6709\u5e94\u7f34\u800c\u672a\u7f34\u7684\u6b3e\u9879\u903e\u671f\u591a\u4e45\uff09\uff1b<\/li>\n<li><strong>\u4fe1\u7528\u8bb0\u5f55\u67e5\u8be2<\/strong> (Credit Inquiries)\uff1a\u5f53\u5176\u5b83\u673a\u6784\u5411\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784\u67e5\u8be2\u6d88\u8d39\u8005\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u5c31\u4f1a\u5728\u4fe1\u7528\u8bb0\u5f55\u4e0a\u7559\u4e0b\u4e00\u7b14\u67e5\u8be2\u8bb0\u5f55 (Inquiry)\uff0c\u67e5\u8be2\u8bb0\u5f55\u5e76\u6709\u5206\u4e3a Hard Pull\uff08\u4f1a\u964d\u4f4e\u4fe1\u7528\u5206\u6570\uff09\u548c Soft Pull<\/li>\n<li><strong>\u516c\u5f00\u8bb0\u5f55<\/strong> (Public Record)\uff1a\u5305\u542b\u4efb\u4f55\u5dde\u6216\u90e1\u6cd5\u9662\u5224\u5b9a\u7684\u76f8\u5173\u516c\u5f00\u8bb0\u5f55 (Bankruptcies, Foreclosures, Suits, Wage Attachments, Liens and Judgments)\uff0c\u6216\u8005\u662f\u8ba8\u503a\u516c\u53f8\u6709\u516c\u5f00\u7684\u6b20\u6b3e\u8bb0\u5f55\u3002<\/li>\n<\/ul>\n<p>\u4f46\u662f\uff0c\u6b64\u514d\u8d39\u83b7\u5f97\u7684\u4fe1\u7528\u62a5\u544a\u91cc\u9762\u5e76<strong><span style=\"color: #0000ff;\">\u6ca1\u6709<\/span><\/strong><span style=\"color: #ff0000;\">\u4e2a\u4eba\u4fe1\u7528\u5206\u6570<\/span>\uff0c\u8981\u83b7\u53d6\u6700\u771f\u5b9e\u7684\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\u6700\u76f4\u63a5\u7684\u529e\u6cd5\u5c31\u662f\u5411\u4e09\u5927\u4fe1\u7528\u8c03\u67e5\u8bc4\u7ea7\u516c\u53f8\u7533\u8bf7\uff0c\u901a\u5e38\u6bcf\u5bb6\u53ea\u6536\u53d6\u5341\u51e0\u7f8e\u5143\u3002\u4f60\u53ef\u4ee5\u53ea\u7533\u8bf7\u4e00\u5bb6\u7684\u5206\u6570\uff0c\u4e5f\u53ef\u4ee5\u4e09\u5bb6\u7684\u90fd\u7533\u8bf7\uff08\u4e00\u822c\u60c5\u51b5\u4e0b\u6ca1\u5fc5\u8981\uff09\u3002<\/p>\n<p>\u4f46\u4e5f\u6709\u514d\u8d39\u63d0\u4f9b\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\u7684\u7f51\u7ad9\uff0c\u6bd4\u5982 <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/bit.ly\/1NaifgQ\" target=\"_blank\">CreditKarma.com<\/a><\/span>, <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/bit.ly\/1NaikRU\" target=\"_blank\">CreditSesame.com<\/a><\/span>\uff0c\u5b83\u4eec\u5176\u5b9e\u4e5f\u662f\u8ddf\u4e09\u5927\u4fe1\u7528\u8c03\u67e5\u8bc4\u7ea7\u516c\u53f8\u7533\u8bf7\uff0c\u81f3\u4e8e\u5b83\u4eec\u662f\u5426\u4ed8\u6b3e\u7ed9\u5bf9\u65b9\u5c31\u4e0d\u7ba1\u4e86\u3002\u8fd9\u4e9b\u7f51\u7ad9\u662f\u901a\u8fc7\u514d\u8d39\u63d0\u4f9b\u4fe1\u7528\u5206\u6570\u5438\u5f15\u4eba\u6765\u6ce8\u518c\uff0c\u7136\u540e\u63a8\u9500\u5b83\u4eec\u81ea\u5df1\u6216\u5408\u4f5c\u4f19\u4f34\u7684\u670d\u52a1\uff0c\u6bd4\u5982\u8bf1\u5bfc\u4f60\u7533\u8bf7\u4fe1\u7528\u5361\u7b49\u6765\u83b7\u53d6\u62a5\u916c\u6536\u5165\u3002<\/p>\n<p>\u4f46\u6700\u65b9\u4fbf\u7684\u8fd8\u662f\u4fe1\u7528\u5361\u516c\u53f8\u63d0\u4f9b\u7684\u514d\u8d39\u4fe1\u7528\u5206\u6570\uff0c\u53ea\u8981\u4fe1\u7528\u5206\u6570\u6709\u53d8\u5316\u5c31\u4f1a\u53d1email\u901a\u77e5\u4f60\u3002\u4e3a\u63d0\u9ad8\u4ea7\u54c1\u7684\u5438\u5f15\u529b\uff0c\u8d8a\u6765\u8d8a\u591a\u7684\u4fe1\u7528\u5361\u516c\u53f8\u63d0\u4f9b\u6b64\u670d\u52a1\u3002\u6bd4\u5982\u6211\u7684\u7f8e\u56fd\u8fd0\u901a\u516c\u53f8<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/email.americanexpress.com\/a\/hBWDK-AAQB6FsB8z9nWNvcCbP.AQB6FsJp\/axp5?APPURL=blue-cash-everyday-credit-card\/49005-750-0-9FDBCE6021906661BC985AF4FD037FB7F630B68437904BAA-200002-tNzeD6s46KaeDWLxluo1K7Na*6U=\" target=\"_blank\">American Express Everday Blue Cash<\/a><\/span>\u4fe1\u7528\u5361\uff08\u6ca1\u6709\u5e74\u8d39\uff0c\u5f00\u5361\u99963\u4e2a\u6708\u6d88\u8d39\u6ee1$1000 \u8fd4$100\uff09\u4eca\u5929\u5c31\u53d1\u4e86email\u901a\u77e5\u6211\uff0c\u4ece\u4eca\u5929\u5f00\u59cb\u63d0\u4f9b\u514d\u8d39\u67e5\u8be2FICO Score\u7684\u670d\u52a1\uff0c\u53ea\u8981\u767b\u5f55\u5230\u6211\u7684\u4fe1\u7528\u5361\u8d26\u6237\u91cc\u5c31\u53ef\u4ee5\u67e5\u8be2\u4e86\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-60\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2015\/10\/temp.png\" alt=\"temp\" width=\"533\" height=\"265\" \/><\/p>\n<p>\u7f8e\u56fd\u662f\u5341\u5206\u6ce8\u91cd\u4fe1\u7528\u7684\u56fd\u5bb6\u3002\u5728\u7f8e\u56fd\uff0c\u5982\u679c\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\u826f\u597d\uff0c\u5c06\u4f1a\u5bf9\u4f60\u7684\u65e5\u5e38\u751f\u6d3b\u975e\u5e38\u6709\u5229\u3002\u62e5\u6709\u4e00\u4efd\u826f\u597d\u7684\u4fe1\u7528\u8bb0\u5f55\u4e5f\u8bb8\u6682\u65f6\u770b\u4e0d\u5230\u5e26\u6765\u7684\u4fbf\u5229\uff0c\u4f46\u5982\u679c\u4f60\u8981\u4e70\u5356\u623f\u5c4b\u3001\u4e70\u8f66\u3001\u8d37\u6b3e\uff0c\u4ee5\u53ca\u53c2\u4e0e\u5176\u5b83\u91d1\u878d\u3001\u4fe1\u8d37\u7b49\u4ea4\u6613\uff0c\u5c31\u4f1a\u53d1\u73b0\u4fe1\u7528\u8bb0\u5f55\u7684\u91cd\u8981\u6027\u3002<\/p>\n<p>\u6240\u4ee5\u5e0c\u671b\u6bcf\u4e00\u4e2a\u5728\u7f8e\u56fd\u751f\u6d3b\u7684\u534e\u4eba\u540c\u80de\u5c3d\u65e9\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\uff08\u5f00\u4fe1\u7528\u5361\uff09\uff0c\u5c3d\u5feb\u63d0\u9ad8\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\uff0c\u53ef\u4ee5\u4e3a\u4eca\u540e\u7684\u751f\u6d3b\u4e0e\u4e8b\u4e1a\u6253\u4e0b\u4e00\u4e2a\u5f88\u597d\u7684\u57fa\u7840\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u7f8e\u56fd\u751f\u6d3b\u7684\u516c\u6c11\u6216\u6c38\u4e45\u5c45\u6c11\u53ea\u8981\u6709\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff08SSN\uff09\u90fd\u4f1a\u6709\u81ea\u5df1\u7684\u4e2a\u4eba\u4fe1\u7528\u5206\u6570\uff08 &hellip; <a href=\"https:\/\/yibababa.com\/article\/archives\/59\">\u7ee7\u7eed\u9605\u8bfb <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[17,18],"class_list":["post-59","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-17","tag-18"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/59","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/comments?post=59"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/59\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=59"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=59"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=59"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}