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候选人诀窍:如何更好的通过背调

在参加研讨会、分享和阅读主要征信机构提供的信息后,以下是一些关键的总结提示,供考生提高信用评分:

  1. 目标是建立良好的信用记录和往绩记录。因此,请始终按时结清您的付款。

  2. 不要忘记并让逾期付款留在那里。虽然金额可能很小,但它可能对您的信用评分非常有害,因为在许多国家的信用报告中,逾期未付款通常被视为“逾期账户”。

  3. 请注意,如果您提交多个贷款/信用卡申请,这些申请会为征信机构创建信用查询,届时可能会损害您的信用评级。

  4. 定期查看您的信用报告,以避免报告中出现任何潜在错误。由于信用报告仅包含从银行或其信息源提交的信息,因此它可能包含不属于您的信息或应从银行更新的数据。许多国家,例如美国,每年都会免费向其公民提供一份信用报告,因此这绝对是获取报告的好习惯。

  5. 最后,花时间查看和了解信用报告中的信息。这可以让您更好地了解您当前的信用状况,您可以立即开始计划改善它!

As mentioned in the previous articles, the credit score is a dynamic number which changes every day. The implication for candidate is that there are ways to continuously improve the credit score.

After attending workshops, sharing and reading the information provided by the major credit bureaus, below are a few key summarized tips for candidates to improve their credit score:

  1. The goal is to build up a good credit history and track record. Thus, always settle your payment on time.

  2. Do not just forget and let an overdue payment sits there. Although the amount can be small, it could be very harmful to your credit score as overdue outstanding payment would often be counted as “overdue account” in many countries’ credit reports.

  3. Do note that if you submit multiple loan/credit card applications which create credit inquiries for the credit bureau, it may harm your credit rating at that time.

  4. Review your credit report periodically to avoid any potential errors in the report. As the credit report simply contains information submitted from the bank or their information source, it could potentially contain information that do not belong to you or data that should be updated from the bank. Many countries such as United States provide their citizens one copy of their credit report at no charge every year, so this is definitely a good practice to obtain the report.

  5. Finally, spend the time to review and understand the information in the credit report. This gives you a better understanding of your current credit status and you can start planning on improving it today!

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