鲜花( 87) 鸡蛋( 1)
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原帖由 柏林 于 2006-11-2 14:46 发表6 d+ _$ V* T6 d$ q
让自己收入高一些. $ ?% j$ r1 J! f. d& c
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Beacon score does not look at your income. You may have high pay job and no debt, that can only means you have nothing on record. Income can only be a measurement for your creditor to consider, either to get you higher credit or not, if you can afford it. Beacon score is very complicated but on a nut shell, they look at your credit history, how prompt you pay them off, and how high of credit you were given in the past, they will then go into query history and see how many times you look for credit, and for what purpose. remember, someone who tend to ask for money from many banks is someone desperate for money. So, if you asked too frequent, they will also impact you.
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Finally, I will advise everybody to at least request for your Equifax report once a year to know how do you do on the report. This will not affect your score but you can detect any fraud at early stage. Find any suspecious query and call the company asking why and who authorized for your credit report check. If it is not you, be very cautious !!! |
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