{"id":98,"date":"2025-07-21T15:36:57","date_gmt":"2025-07-21T15:36:57","guid":{"rendered":"https:\/\/techsmoney.com\/?p=98"},"modified":"2025-07-21T15:36:57","modified_gmt":"2025-07-21T15:36:57","slug":"what-is-a-credit-score-and-how-can-you-understand-yours","status":"publish","type":"post","link":"https:\/\/techsmoney.com\/zh\/what-is-a-credit-score-and-how-can-you-understand-yours\/","title":{"rendered":"\u4ec0\u9ebc\u662f\u4fe1\u7528\u8a55\u5206\uff1f\u5982\u4f55\u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff1f"},"content":{"rendered":"<p>\u5728\u958b\u59cb\u5b78\u7fd2\u91d1\u878d\u77e5\u8b58\u7684\u904e\u7a0b\u4e2d\uff0c\u4f60\u6703\u9047\u5230\u7684\u6700\u91cd\u8981\u7684\u8853\u8a9e\u4e4b\u4e00\u5c31\u662f\u300c\u4fe1\u7528\u8a55\u5206\u300d\u3002\u5373\u4f7f\u4f60\u73fe\u5728\u4e0d\u6253\u7b97\u501f\u9322\uff0c\u4e86\u89e3\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u5c0d\u65bc\u5efa\u7acb\u7a69\u56fa\u7684\u8ca1\u52d9\u57fa\u790e\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u672c\u6587\u5c07\u89e3\u91cb\u4fe1\u7528\u8a55\u5206\u7684\u542b\u7fa9\u3001\u8a08\u7b97\u65b9\u6cd5\u3001\u91cd\u8981\u6027\u4ee5\u53ca\u5982\u4f55\u66f4\u597d\u5730\u7406\u89e3\u5b83\uff0c\u4f46\u4e0d\u6703\u63d0\u4f9b\u4efb\u4f55\u8ca1\u52d9\u5efa\u8b70\u6216\u5177\u9ad4\u5efa\u8b70\u3002\u6211\u5011\u7684\u76ee\u6a19\u662f\u5e6b\u52a9\u60a8\u5728\u7ba1\u7406\u500b\u4eba\u8ca1\u52d9\u6642\u66f4\u6709\u81ea\u4fe1\u3001\u66f4\u6709\u667a\u6167\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u9ebc\u662f\u4fe1\u7528\u8a55\u5206\uff1f<\/h2>\n\n\n\n<p>\u4fe1\u7528\u8a55\u5206\u662f <strong>\u4e09\u4f4d\u6578<\/strong> \u5b83\u53cd\u6620\u4e86\u4f60\u7684\u4fe1\u7528\u72c0\u6cc1\uff0c\u6216\u8005\u66f4\u7c21\u55ae\u5730\u8aaa\uff0c\u53cd\u6620\u4e86\u4f60\u511f\u9084\u501f\u6b3e\u7684\u53ef\u80fd\u6027\u3002\u8cb8\u6b3e\u6a5f\u69cb\u3001\u623f\u6771\u3001\u9280\u884c\uff0c\u751a\u81f3\u4e00\u4e9b\u96c7\u4e3b\u90fd\u6703\u7528\u5b83\u4f86\u8a55\u4f30\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u5927\u591a\u6578\u4fe1\u7528\u8a55\u5206\u7bc4\u570d\u70ba <strong>300\u81f3850<\/strong>\u5118\u7ba1\u4e0d\u540c\u570b\u5bb6\u6216\u5730\u5340\u53ef\u80fd\u4f7f\u7528\u4e0d\u540c\u7684\u8a55\u5206\u6a21\u578b\uff0c\u4f46\u5206\u6578\u8d8a\u9ad8\uff0c\u5728\u8cb8\u6b3e\u6a5f\u69cb\u773c\u4e2d\u60a8\u7684\u4fe1\u7528\u5c31\u8d8a\u9ad8\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u9019\u5f88\u91cd\u8981\uff1f<\/h2>\n\n\n\n<p>\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u6703\u5f71\u97ff\u60a8\u8ca1\u52d9\u751f\u6d3b\u7684\u8a31\u591a\u65b9\u9762\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8cb8\u6b3e\u5be9\u6279<\/strong> \uff08\u9069\u7528\u65bc\u6c7d\u8eca\u3001\u623f\u5c4b\u3001\u6559\u80b2\uff09<\/li>\n\n\n\n<li><strong>\u4fe1\u7528\u5361\u7533\u8acb<\/strong><\/li>\n\n\n\n<li><strong>\u5229\u7387<\/strong> \u4f60\u6536\u5230<\/li>\n\n\n\n<li><strong>\u79df\u8cc3\u7533\u8acb<\/strong><\/li>\n\n\n\n<li><strong>\u5de5\u4f5c\u7be9\u9078<\/strong> \uff08\u5728\u67d0\u4e9b\u884c\u696d\uff09<\/li>\n<\/ul>\n\n\n\n<p>\u4e00\u822c\u4f86\u8aaa\uff0c\u8f03\u9ad8\u7684\u4fe1\u7528\u8a55\u5206\u53ef\u4ee5\u66f4\u5bb9\u6613\u3001\u66f4\u4fbf\u5b9c\u5730\u7372\u5f97\u91d1\u878d\u7522\u54c1\u548c\u670d\u52d9\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8ab0\u8a08\u7b97\u4fe1\u7528\u8a55\u5206\uff1f<\/h2>\n\n\n\n<p>\u4fe1\u7528\u8a55\u5206\u901a\u5e38\u7531 <strong>\u4fe1\u7528\u5c40<\/strong> \u6536\u96c6\u548c\u5206\u6790\u60a8\u7684\u4fe1\u7528\u8a18\u9304\u8cc7\u8a0a\u7684\u516c\u53f8\u3002\u7f8e\u570b\u6700\u77e5\u540d\u7684\u4e09\u5bb6\u4fe1\u7528\u6a5f\u69cb\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Equifax<\/li>\n\n\n\n<li>\u76ca\u535a\u777f<\/li>\n\n\n\n<li>\u74b0\u806f<\/li>\n<\/ul>\n\n\n\n<p>\u5728\u5176\u4ed6\u570b\u5bb6\uff0c\u985e\u4f3c\u7684\u6a5f\u69cb\u4e5f\u7d93\u71df\u4fe1\u7528\u8a55\u5206\u7cfb\u7d71\uff08\u4f8b\u5982\u5df4\u897f\u7684 Serasa\u3001\u82f1\u570b\u548c\u52a0\u62ff\u5927\u7684 Credit Karma\uff09\u3002<\/p>\n\n\n\n<p>\u6bcf\u500b\u5c40\u7684\u8cc7\u8a0a\u53ef\u80fd\u7565\u6709\u4e0d\u540c\uff0c\u56e0\u6b64\u60a8\u7684\u5206\u6578\u53ef\u80fd\u6703\u56e0\u4f86\u6e90\u800c\u7570\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u54ea\u4e9b\u56e0\u7d20\u6703\u5f71\u97ff\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff1f<\/h2>\n\n\n\n<p>\u96d6\u7136\u5177\u9ad4\u7684\u8a55\u5206\u516c\u5f0f\u662f\u5c08\u6709\u7684\uff0c\u4f46\u5927\u591a\u6578\u4fe1\u7528\u8a55\u5206\u6a21\u578b\u90fd\u4f7f\u7528\u985e\u4f3c\u7684\u56e0\u7d20\u4f86\u78ba\u5b9a\u60a8\u7684\u5206\u6578\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u4e3b\u8981\u56e0\u7d20\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>\u4ed8\u6b3e\u8a18\u9304<\/strong> \uff08\u8a31\u591a\u6a21\u578b\u7684\u5f97\u5206\u70ba 35%\uff09<\/h3>\n\n\n\n<p>\u60a8\u662f\u5426\u6309\u6642\u652f\u4ed8\u5e33\u55ae\uff1f\u932f\u904e\u6216\u5ef6\u9072\u4ed8\u6b3e\u53ef\u80fd\u6703\u9020\u6210\u56b4\u91cd\u8ca0\u9762\u5f71\u97ff\u3002\u5805\u6301\u662f\u95dc\u9375\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>\u4fe1\u7528\u5229\u7528\u7387<\/strong> (30%)<\/h3>\n\n\n\n<p>\u9019\u6307\u7684\u662f\u60a8\u5df2\u4f7f\u7528\u7684\u53ef\u7528\u4fe1\u7528\u984d\u5ea6\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u7684\u4fe1\u7528\u5361\u984d\u5ea6\u70ba $1,000\uff0c\u9918\u984d\u70ba $500\uff0c\u5247\u60a8\u7684\u4f7f\u7528\u7387\u70ba 50%\u3002<\/p>\n\n\n\n<p>\u5c08\u5bb6\u901a\u5e38\u5efa\u8b70\u5c07\u5229\u7528\u7387\u7dad\u6301\u5728 30% \u4ee5\u4e0b\uff0c\u4f46\u8d8a\u4f4e\u8d8a\u597d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>\u4fe1\u7528\u8a18\u9304\u9577\u5ea6<\/strong> (15%)<\/h3>\n\n\n\n<p>\u60a8\u7684\u4fe1\u7528\u5e33\u6236\u6d3b\u8e8d\u6642\u9593\u3002\u8f03\u9577\u7684\u4fe1\u7528\u8a18\u9304\u901a\u5e38\u6703\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff08\u524d\u63d0\u662f\u60a8\u7684\u4fe1\u7528\u8a18\u9304\u7ba1\u7406\u5f97\u7576\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>\u4fe1\u8cb8\u7d44\u5408<\/strong> (10%)<\/h3>\n\n\n\n<p>\u64c1\u6709\u591a\u7a2e\u4fe1\u7528\u985e\u578b\uff08\u4fe1\u7528\u5361\u3001\u8cb8\u6b3e\u3001\u4fe1\u7528\u984d\u5ea6\uff09\u8868\u793a\u60a8\u53ef\u4ee5\u7ba1\u7406\u4e0d\u540c\u985e\u578b\u7684\u501f\u8cb8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. <strong>\u65b0\u7684\u4fe1\u7528\u67e5\u8a62<\/strong> (10%)<\/h3>\n\n\n\n<p>\u7576\u60a8\u7533\u8acb\u65b0\u7684\u4fe1\u7528\u8cb8\u6b3e\u6642\uff0c\u60a8\u7684\u4fe1\u7528\u5831\u544a\u4e2d\u53ef\u80fd\u6703\u51fa\u73fe\u300c\u786c\u67e5\u8a62\u300d\u3002\u77ed\u6642\u9593\u5167\u904e\u591a\u7684\u786c\u67e5\u8a62\u53ef\u80fd\u6703\u66ab\u6642\u964d\u4f4e\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u67e5\u770b\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff1f<\/h2>\n\n\n\n<p>\u5728\u8a31\u591a\u570b\u5bb6\uff0c\u4f60\u6709\u5408\u6cd5\u6b0a\u5229 <strong>\u514d\u8cbb\u67e5\u770b\u60a8\u7684\u4fe1\u7528\u5831\u544a<\/strong> 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class=\"wp-block-heading\">\u4ec0\u9ebc\u662f\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\uff1f<\/h2>\n\n\n\n<p>\u5118\u7ba1\u8a55\u5206\u6a21\u578b\u5404\u4e0d\u76f8\u540c\uff0c\u4f46\u4fe1\u7528\u8a55\u5206\u7bc4\u570d\u7684\u4e00\u822c\u7d30\u5206\u5982\u4e0b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u5206\u6578\u7bc4\u570d<\/th><th>\u7b49\u7d1a<\/th><\/tr><\/thead><tbody><tr><td>800 \u2013 850<\/td><td>\u51fa\u8272\u7684<\/td><\/tr><tr><td>740 \u2013 799<\/td><td>\u975e\u5e38\u597d<\/td><\/tr><tr><td>670 \u2013 739<\/td><td>\u597d\u7684<\/td><\/tr><tr><td>580 \u2013 669<\/td><td>\u516c\u5e73\u7684<\/td><\/tr><tr><td>300 \u2013 579<\/td><td>\u8ca7\u7aae\u7684<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u518d\u6b21\u5f37\u8abf\uff0c\u9019\u4e9b\u6578\u5b57\u53ea\u662f\u8fd1\u4f3c\u503c\uff0c\u4e26\u4e14\u53ef\u80fd\u56e0\u6240\u4f7f\u7528\u7684\u570b\u5bb6\u6216\u8a55\u5206\u7cfb\u7d71\u800c\u7570\u3002<\/p>\n\n\n\n<h2 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class=\"wp-block-list\">\n<li>\u6309\u6642\u652f\u4ed8\u6240\u6709\u5e33\u55ae<\/li>\n\n\n\n<li>\u4fdd\u6301\u8f03\u4f4e\u7684\u4fe1\u7528\u5361\u9918\u984d<\/li>\n\n\n\n<li>\u907f\u514d\u4e0d\u5fc5\u8981\u7684\u56b4\u683c\u8abf\u67e5<\/li>\n\n\n\n<li>\u9664\u975e\u5fc5\u8981\uff0c\u5426\u5247\u4e0d\u95dc\u9589\u820a\u7684\u4fe1\u7528\u5e33\u6236<\/li>\n<\/ul>\n\n\n\n<p>\u4fdd\u6301\u8010\u5fc3\u5f88\u91cd\u8981\u3002\u5927\u591a\u6578\u7684\u6539\u5584\u662f\u9700\u8981\u5e7e\u500b\u6708\u751a\u81f3\u5e7e\u5e74\u624d\u80fd\u9010\u6f38\u6539\u5584\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u95dc\u65bc\u4fe1\u7528\u8a55\u5206\u7684\u5e38\u898b\u8aa4\u89e3<\/h2>\n\n\n\n<p>\u4e86\u89e3\u4f60\u7684\u5206\u6578\u4e5f\u610f\u5473\u8457\u907f\u514d\u4e00\u4e9b\u5e38\u898b\u7684\u8aa4\u89e3\u3002\u8b93\u6211\u5011\u4f86\u63ed\u7a7f\u4e00\u4e9b\u8ff7\u601d\uff1a<\/p>\n\n\n\n<h3 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class=\"wp-block-heading\"><strong>\u8ff7\u601d\u4e09\uff1a\u6240\u6709\u4fe1\u7528\u8a55\u5206\u90fd\u4e00\u6a23<\/strong><\/h3>\n\n\n\n<p>\u4e8b\u5be6\uff1a\u6839\u64da\u6a5f\u69cb\u3001\u8a55\u5206\u6a21\u578b\u548c\u67e5\u8a62\u76ee\u7684\uff08\u62b5\u62bc\u8cb8\u6b3e\u8207\u4fe1\u7528\u5361\uff09\uff0c\u60a8\u53ef\u80fd\u6703\u7372\u5f97\u4e0d\u540c\u7684\u5206\u6578\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u66f4\u5b89\u5168\u5730\u5b78\u7fd2<\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u525b\u958b\u59cb\uff0c\u8acb\u95dc\u6ce8 <strong>\u6559\u80b2\u512a\u5148<\/strong>\u6709\u8a31\u591a\u514d\u8cbb\u4e14\u4fe1\u8b7d\u826f\u597d\u7684\u8cc7\u6e90\u53ef\u4f9b\u4f7f\u7528\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u91d1\u878d\u6559\u80b2\u975e\u71df\u5229\u7d44\u7e54<\/li>\n\n\n\n<li>\u653f\u5e9c\u91d1\u878d\u77e5\u8b58\u666e\u53ca\u7db2\u7ad9<\/li>\n\n\n\n<li>\u514d\u8cbb\u500b\u4eba\u7406\u8ca1\u8ab2\u7a0b\uff08\u4f8b\u5982Coursera\u3001Khan Academy\uff09<\/li>\n\n\n\n<li>\u50cf\u9019\u6a23\u7684\u66f8 <em>\u201c\u4f60\u7684\u5206\u6578\u201d<\/em> \u6216\u8005 <em>\u201c\u50bb\u74dc\u4fe1\u7528\u4fee\u5fa9\u5de5\u5177\u5305\u201d<\/em><\/li>\n<\/ul>\n\n\n\n<p>\u5c0d\u65bc\u90a3\u4e9b\u8072\u7a31\u53ef\u4ee5\u7acb\u5373\u300c\u4fee\u5fa9\u300d\u4f60\u7684\u5206\u6578\u6216\u522a\u9664\u6e96\u78ba\u8ca0\u9762\u8cc7\u8a0a\u7684\u7db2\u7ad9\u6216\u670d\u52d9\uff0c\u8acb\u52d9\u5fc5\u8b39\u614e\u2014\u2014\u4f46\u9700\u8981\u4ed8\u8cbb\u3002\u9019\u4e9b\u901a\u5e38\u53ef\u80fd\u662f\u9a19\u5c40\u6216\u8aa4\u5c0e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6700\u5f8c\u7684\u60f3\u6cd5\uff1a\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u662f\u4e00\u7a2e\u5de5\u5177\uff0c\u800c\u4e0d\u662f\u4e00\u7a2e\u8eab\u4efd<\/h2>\n\n\n\n<p>\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u53ea\u662f\u4e00\u500b <strong>\u6578\u4f4d<\/strong> 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\u4f60\u9700\u8981\u5b83\u3002\u7b2c\u4e8c\u597d\u6642\u6a5f\uff1f\u5c31\u662f\u73fe\u5728\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5728\u60a8\u958b\u555f\u91d1\u878d\u77e5\u8b58\u4e4b\u65c5\u6642\uff0c\u60a8\u6703\u9047\u5230\u7684\u6700\u91cd\u8981\u7684\u8853\u8a9e\u4e4b\u4e00\u5c31\u662f\u300c\u4fe1\u7528\u8a55\u5206\u300d\u3002\u5373\u4f7f\u60a8\u76ee\u524d\u4e0d\u6253\u7b97\u501f\u9322\uff0c\u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u8a55\u5206\u5c0d\u65bc\u5efa\u7acb\u7a69\u56fa\u7684\u8ca1\u52d9\u57fa\u790e\u4e5f\u81f3\u95dc\u91cd\u8981\u3002\u672c\u6587\u5c07\u89e3\u91cb\u4ec0\u9ebc\u662f\u4fe1\u7528\u8a55\u5206\u3001\u5982\u4f55\u8a08\u7b97\u3001\u70ba\u4ec0\u9ebc\u5b83\u5f88\u91cd\u8981\u7b49\u7b49\u3002 <a title=\"\u4ec0\u9ebc\u662f\u4fe1\u7528\u8a55\u5206\uff1f\u5982\u4f55\u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u8a55\u5206\uff1f\" class=\"read-more\" href=\"https:\/\/techsmoney.com\/zh\/what-is-a-credit-score-and-how-can-you-understand-yours\/\" aria-label=\"Read more about What Is a Credit Score and How Can You Understand Yours?\">\u95b1\u8b80\u66f4\u591a<\/a><\/p>","protected":false},"author":2,"featured_media":111,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[16,10,7,15],"class_list":["post-98","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-golden-tips","tag-for-beginners","tag-golden-tips","tag-money","tag-tips"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/98","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/comments?post=98"}],"version-history":[{"count":1,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/98\/revisions"}],"predecessor-version":[{"id":112,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/posts\/98\/revisions\/112"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/media\/111"}],"wp:attachment":[{"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/media?parent=98"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/categories?post=98"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/techsmoney.com\/zh\/wp-json\/wp\/v2\/tags?post=98"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}