信贷

信贷 and credit scores can be downright confusing. Do 你 know what 你r credit 分数是? Do 你 know its impact on 你r life? Read more to find out.

In the United States there are three major credit bureaus: Equifax, TransUnion, and 益百利. These bureaus keep track of 你r credit history.  To learn more about exactly what they track and for how long, see the article Who Are the Major 信贷 Reporting Agencies?. 

Your credit score paints a picture of 你r financial history and gives banks the data they need to make a determination on the risk of lending to 你 funds. This will affect the interest rate offered as well as whether they will be willing to do business with 你. 信贷 history may also be used to make decisions on initial employment, or whether a deposit is required for a utility or monthly recurring service, to name a few examples.

To obtain a FREE credit report (usually available once yearly per agency), go to Annual 信贷 Report.

Here are some additional resources with more information on how to get and keep a healthy credit score:

• Maintain 你r Good 信贷 (Wells Fargo)
• How to Build 信贷 (Consumer Affairs)
• Student 信贷 Cards Video Courses (借EDU)