Hōʻikeʻikeʻike kālā hiki iāʻoe ke mālama i kāu kālā
ʻO ka pilikia me ka loaʻaʻole o nāʻike kāleka
Wahi a Dunn & Bradstreet, e uku ana nā kumukūʻai hōʻai'ē i nā piliona piliona o nā kālā i kēlā me kēia makahiki.
ʻO nāʻoihana liʻiliʻi e hiki ke palekana loa -ʻo ke kūʻaiʻana i kahi'āpana waiwai a he mau hebedoma a he mahina paha o nā lawelawe i hāʻawiʻia i ka mea kūʻai i hikiʻole ke uku, hiki iā ia ke hoʻolilo kālā i ka pōʻino i kahi mea waiwai pāʻoihana. Kūlanaʻole nā paʻahana a me nāʻoihana liʻiliʻi i ka pilikia o kā lākou mea kūʻai a hiki i kaʻikeʻana ua nele ka mea kūʻai i ka banekorupa.
He nui nāʻoihanaʻoihana liʻiliʻi e hana ma ka manaʻoʻiʻo, me he mea lā, e hana ana i kahi hōʻai'ē ma ka noiʻana i ka mea kūʻai no nā kuhikuhi. He polokalamu maikaʻi kēia ma kahi honua maikaʻi loa i kūpono nā kānaka a pau. Inā mākou e noho ma laila,ʻaʻole mākou e holo i nā māleka hōʻai'ē ma ka mua.
ʻO ka pilikia me ka hoʻohanaʻana i nā haʻi'ōlelo e like me nā hōkei hōʻailona,ʻo ka poʻe kūʻai aku me nā moʻolelo loea maikaʻiʻole uaʻike i ka papahana a ua koho maikaʻi lākou i kā lākou mau kuhikuhiʻana i loaʻa iāʻoe wale nō ka hōʻailona o ko lākou moʻolelo moʻomanaʻo ināʻoe e nīnau.
Ināʻoe e hopohopo e pili ana i ka hoʻonuiʻana i ka hōʻai'ē i kahi mea kūʻai a iʻole pūnaewele paha, hoʻololi i ka hōʻike kālā. ʻO ka hōʻike hōʻike kālā e hāʻawi iāʻoe i kaʻike e pono aiʻoe e hoʻoholo e pili ana i ka hoʻolaleʻana i ka hōʻai'ē aʻaʻole paha.
E hōʻaia i kahi hōʻike kālā kālā nā hōʻai'ē hōʻailona o nā mea kūʻai, nā moʻolelo banekorupa, nā'ōlelo hoʻokolokolo, nā'ōlelo kūkā a me nā hoʻokolokolo no kekahi hui, a me ka helu kūpono eʻike ana i ka piliʻana o ka uku bila -ʻo kaʻike a pau āu e makemake ai ʻaʻole e hoʻonui i ka hōʻai'ē.
Loaʻa i kaʻaeʻia mai ka mea kūʻai ma mua o ka holoʻana i kahiʻikeʻike pilikino
Ma ke kānāwai, ponoʻoe eʻae i kaʻaeʻia ma ke kākauʻana mai ka mea kūʻai aku ma mua o ka hanaʻana i kahi helu hoʻolālā pilikino. ʻO ka mea kūʻai i hōʻole e hāʻawi i kaʻaeʻana he mea kūponoʻole ka hōʻai'ē kālā.
Nā Pāʻoihana a me ke Kiʻi Lewa
Heʻokoʻa ka hōʻai'ē e pili ana i ka hōʻai'ē pilikino, no laila, inā heʻoihana'ē aʻe kāu mea kūʻai, ponoʻoe i kahi hōʻike pili kālāʻoihana ma mua o ke kanaka pilikino keʻole ka mea kūʻai aku i ka mea kūʻai . ʻAʻole e like me keʻano pilikino pono'ī,ʻikeʻia kaʻike kālā pili kālāʻoihana a hiki ke loaʻa iā ia no kahi uku mai kahi keʻena kālā.
He aha nāʻike i hāʻawiʻia i loko o kahi hōʻike hōʻike?
- ʻIke i nāʻike - ma kahi hōʻike pilikino e komo kēia i ka inoa, ka helu wahi, ka helu mālama ola, ka lā hānau, ka mea hana, a me nā mea'ē aʻe.
- Nā hōke kālā - kāleka kāleka, nā loans auto, nā moraki. Kei loko nā palena palena, nā pale kau kūpono, nā moʻolelo hoʻolimalima, a pēlā aku.
- Ka hōʻike kālā'ai'ē a me ka Screw Credit me ka loaʻaʻana i nā helu heluʻai he 5 ( VantageScore® 3.0 ke kumu o ka hōʻailona )
- Nā palapala a ka lehulehu e pili ana i nā aie nui, e like me nā banekorupa, ka wehe, nā hopena, nā pilikino, a me nā mea'ē aʻe mai nā keʻena o ka waihona a me nāʻaha moku'āina
- NāʻIkeʻIke (ʻelua makahiki i hala ) mai nā mea hāʻawi kālā, nā noi kāleka kāleka a me nā loina pilikino
Pehea e loaʻa ai kahi hōʻike hōʻike kālā ma ka US a me Canada
Peheaʻoe e loaʻa ai kahi hōʻike hōʻike kālā no kekahi mea kūʻai? Ma ka US a me Kanada, hoʻohanaʻoe i kahi keʻena hoʻolālā, he kūʻokoʻa kūʻokoʻa e hāʻawi ana i kaʻikepili no ka moʻolelo pilikino o kekahi kanaka a iʻole paha. He nui nā bureaus'ai'ē,ʻo Dun & Bradstreet nui loa,ʻo Equifax, Experian, a me TransUnion.
ʻO nā uku e like me ka nui o nāʻike e pono ai - hiki i kahi pūʻulu hoʻolālā hana ke hoʻokomo i nā hua'ōlelo likeʻole e like me ka'ai'ē Siskres a me ka hoʻolimalimaʻana i nā kumu kūʻai. ʻO nā huahana likeʻole e like me nā mea hana hana lawaiʻa e hāʻawiʻia mauʻia e nāʻoihana nui.
Ma ka hapanui o nā hihia, ponoʻoe e lilo i lālā o kahi keʻena kelepona kūikawā ma mua o kou hikiʻana i kā lākou lawelawe no ka loaʻaʻole o nā hōʻike kālā i nā poʻe a me nāʻoihana'ē aʻe i ka mea wale nō.
Inā liloʻoe i lālā a mea inoa paha o kaʻaha, hiki iāʻoe keʻae i nā leka kālepa ma ka pūnaewele, akā hiki iāʻoe ke hoʻouna iāʻoe ma o ka leka uila a iʻole ka fax inā makemakeʻoe.
Ua kūponoʻo nā hōʻike kālā i nā manawa kūpono?
ʻO ka mea pōʻino,ʻaʻole pono ka pololei pololei o nā pūʻulu hoʻoili kālā - aia he mau haneli miliona miliona o nā mea i paʻiʻia a me nā hewa i maʻaʻole - ua manaʻo kekahi poʻe akamai he mau hewa wale nō ma 10 a 33 hapa haneri o nā waihona kālā.
ʻO ka hōʻoleʻana i kahi mea kūʻai
Inā hoʻi mai kahi hōʻai'ē hōʻoleʻole, ponoʻoe e hoʻouna i kahi leka hoʻomaopopo i ka mea kūʻai e hoʻomaopopo ana iā lākouʻaʻole hiki iāʻoe ke hoʻonui i ka hōʻaia i kēia manawa. Pono e hana i kēia me ke akamai e hiki ai ke pale i ka hewa. Pono e hōʻike i ka mea i hōʻoleʻia ai ka noi no ka hōʻai'ē, e mahalo i ke kanaka kūʻai, a hāʻawi i nā hāʻina e like me ka uku kālā.
Hana Makeki Kākikaʻi
ʻO kaʻaeʻana i ka nui o ka pilikino e hauʻoli ana meʻoe he ala maikaʻi ia e hele ai i ke ola. ʻO ka hoʻohanaʻana i nā pūnaewele hōʻai'ē e hana i nā kāleka hōʻailona ma nā mea kūʻai, hiki iāʻoe ke lilo i puʻuwai maikaʻi ma ka pili i kāu kālā a me kou maluhia.
No kaʻike hou aku e pili ana i ke kaʻina kālā maikaʻi e nānā: