Ka Facebook news feed ah Bank Of America nih biahalnak an van thlak. “Atu leklek in na credit score na checkmi nih na credit score a chiatter maw?” tiah cartoonhmantlak he an van ka hal. Ka lehmi a palh le hman kha an caah a biapi lo: An i tinhmi cu “Credit Score” sining kong cawnpiak kha a si ko caah—a phi zoh khawhnak ding link zong an van taar chih. Nan ton bal cio ko lai: Facebook ah Bankasiloah Financial Institution pakhat khat nih an tuahmi cahmai kha “Liked” nan pek bal poahpoah ah cun.
Na hmanmi Bank zong nih “Credit Score” kong he pehtlai in biahalnak le thawngthanhnak an in ngeih lengmang hrim lai. “Zeitindah na Credit a tthat khawh lai” timi zong—leaflets in siseh Bank riantuantu pumpak in siseh—lam kenkip in an in cawnpiak fawn lai. Zeica’hdah hitihin an kan chimh lengmang hnga? A biapi tukmi thil a si caah a si ko.
Na hmanmi Bank zong nih “Credit Score” kong he pehtlai in biahalnak le thawngthanhnak an in ngeih lengmang hrim lai. “Zeitindah na Credit a tthat khawh lai” timi zong—leaflets in siseh Bank riantuantu pumpak in siseh—lam kenkip in an in cawnpiak fawn lai. Zeica’hdah hitihin an kan chimh lengmang hnga? A biapi tukmi thil a si caah a si ko.
Credit Score cu zeidah a si?
“Credit Score” cu zeidah a si?
Zeibantuk buu nih dah an tuakdan i thawng an thanh? Asiloah, zeitindah an tuak? “Credit Score” cu leiba he pehtlai in na cawlcanghnak tuanbia vialte kha numbers (kanan) hmang in langhtermi a si. Vawleicung ram kip nih anmah ram cio caah cozah he ai pehtlaimi Credit Thawngthanhtu Agencies (Credit Reporting Agencies) an i ngeih cio hna.
Zeibantuk buu nih dah an tuakdan i thawng an thanh? Asiloah, zeitindah an tuak? “Credit Score” cu leiba he pehtlai in na cawlcanghnak tuanbia vialte kha numbers (kanan) hmang in langhtermi a si. Vawleicung ram kip nih anmah ram cio caah cozah he ai pehtlaimi Credit Thawngthanhtu Agencies (Credit Reporting Agencies) an i ngeih cio hna.
USA ah phung ning tein khua a sami pumpak cio nih kan leiba tuanbia (Credit History) a khawmtu buu nganbik pathum an um.
Cu hna cu: Equifax, Experian leTrans Union hna an si. Anmah bureau pathum sinin man liam hau loin kum khat ah voikhat “Credit History” hal khawh an si— “Credit History” cu min, address, nithla, social security numbers le thla chiar cham tawnmi leiba pawl fonh in sermi cazin a si. Sihmanhsehlaw, “Credit Score” tu cu man pek loin mi an chim lo. A man in cawk a hau. (Inn, motor tibantuk cawknak dingah leiba cawi naa timh tu ah cun na cawinak ding Bank/Financial Institution nih man loin na “Credit Score” an in check piak lai.)
Cu hna cu: Equifax, Experian leTrans Union hna an si. Anmah bureau pathum sinin man liam hau loin kum khat ah voikhat “Credit History” hal khawh an si— “Credit History” cu min, address, nithla, social security numbers le thla chiar cham tawnmi leiba pawl fonh in sermi cazin a si. Sihmanhsehlaw, “Credit Score” tu cu man pek loin mi an chim lo. A man in cawk a hau. (Inn, motor tibantuk cawknak dingah leiba cawi naa timh tu ah cun na cawinak ding Bank/Financial Institution nih man loin na “Credit Score” an in check piak lai.)
Zeitindah min, address, nithla le numbers cawh thup in a langmi “Credit History” cu “Credit Score (kanaan lawng in a langmi)” ah an thlendan a si? Zeibantuk buu nih dah zeibantuk tuakdan (formula) hmang in an thlen?
Banks le Financial Institutions poahpoah nih cun anmah hman ciomi tuakdan (formula) hmang in “Credit History” cu “Credit Score” ah an thlen khawh dih ngawt. An thlennak ah an hmanmi tuakdan bel cu an i dang cio. Pumpak pakhat cio sining zoh in tuakmi a si caah pumpak pakhat le pakhat caah an hmanning zong aa lo thlu kho lo. Sihmanhsehlaw, an idannak zawn a tlawm te. A tlangpi cun an i khat dih ko. Zeibantuk buu hmanh nih zeibantuk formula hmang in an tuak ko zong ah, “Credit History” thami kha “Credit Score” tammi a si ko. USA ah mi tambik nih cohlanmi le hmanmi tuakning cu a tanglei ah langhtermi FICO (Fair Isaac Corparation) nih an sermi tuakdan a si. FICO nih an hmanmi tuakdan hi USA financial instutions vialte i 90% renglo nih an cohlanmi tuakdan a si.
Fianternak:
- Leiba chamnak tuanbia:Leiba na ngeihmi a can luan hlan ah hman tein na cham maw, cham lo timi tuanbia. Leiba cham loin a caan luanter hi “Credit” a hrawk kho tu bik a si.
- Bat liomi leiba tlawmtam: Bat liomi leiba tamtuk ngeih hi “Credit” a chiat tertu a si ve. Leiba hman tein a chammi na si ko hmanh ah na leiba hlun a tlawm hlan chung cu Banks nih phaisa an in cawih ngam huaha lai lo.
- Leiba ngeihnak tuanbia: Zeicandah leiba chamnak tuanbia a ngeih cang timi hi a biapi ngai ve. Leiba ti tik ah leiba poahpoah khi chim duhmi a si lo. Thla tin in pek ding in hnatlaknak ngeihmi bills (eg. Ti,mei,telephone, insurance, internet,credit cards etc) pawl caan sau/tawi pek cang khi chim duhmi a si.
- Leiba thar: Leiba cawi tharmi ngeih tik ah “credit” a thum theo. Hmun kenkip ah “Credit Cards” phunphun va sawknak zong nih “Credit” a hnuarsuan ve.
- Leiba phun: Ngeih liomi leiba kha zeibantuk leiba dah a si timi zong nih tlawmte cu lai a rel ve. (eg. Voikhat lawng cawi I thlafatin aa zat tein cham pengmi leiba (installment) maw, thlafatin hizat tiang na cawikhawh I thlakhat ah a tlawmbik cuzat in na cham khawh (revolving credit) timi leiba dah ti bantuk.)
“Credit Score” cu zeica’hdah hman a si?
Credit cu a hmannak a tam hringhran. Capar tawite hin cun chim cawk ding a si lo. Sihmanhsehlaw, kan theihfian khawh deuhnak caah zapi-zaran nih kan hmannak zawn tete ka van langhter lai. Inn,motor le thilri man fakmi tibantuk cawknak ah phaisa cawi na duh tik ah cawih awk na tlak le tlaklo tahnak ah an chawih tu ding Banks/Financial Institutions nih an hman. Cawih ding ah aa tlakin ruah na si hmanh ah zeitluk karh ret (interest rates) in dah kan cawih lai timi tuaknak ah an hman rih. Cucaah, Credit tha a ngeimi caah cun phaisa cawi a fawi lawng si loin a karh ret zong a niam. Inn cawknak ding phaisa cawi cu van chim lo, inn hlan lai zong ah inn-man pek a fel lai maw timi zawndomhnak ah an hman fawn. “Credit” tha a ngeimi nih cun “Security Deposit” zong zapi nak in tlawm deuh liam a si theo. Insurance poahpoah cawk tik zong ah tahfung ah an hman thiamthiam. Rian ngeitu cheukhat nih rian tauntu an thim tik zong ah an hman tawn ve. Cucaah, sining aa thluk ciocio mi nih rian sawk ti tik ah “Credit” tha a ngeimi nih rian an hmuh deuh zungzal.
“Credit Score” tha cu kanmah bantuk nih kan herh bik
Credit History/Score tha cu aa hmannak a tam tuk caah mizeipoah nih herh dihmi a si ko. Sihmanhsehlaw, hawidang bantukin khuasak le riantuan a duh ve ko nain duhherhmi thil damhkhannak ah le cawlcanghnak caah dihheu ding phaisa tampi a ngei lomi caah a herh khun. A luancia kum tlawmpal chung lawng ah ramthumnak a phanmi Laimi tampi kan dirhmun bak a si. Hawi bantukin inn-lo tha le motor tha kan duh. Midang bantukin chawlehthelnak tuah len zong a duhmi kan um. Sihmanhsehlaw, ramtha ah kan umnak caan a tawi tuk hlei ah kan hmuhmi nihlawh an niam ngaingai. Thiammi ngeih lo hrat cu nihlawh sang rian kan tlai kho lo. Tinsih in khua kan sa ko nain hawidang nak tlawm deuh kan hmuhmi cu Laitlang lei he ithenhphawt a si fawn tik ah phaisa thazang in kan derthawm hringhran. Zeitindah kan duhmi thil kan zalh khawh lai i kan ruah khawhmi tuankawlnak lam (ideas) cu a tak ah kan ser khawh lai? Credit History/Score tha ngeihnak nih tampi a kan bawmh lai. Cucaah Credit History/Score tha ser hna usih.
Credit History/Score tha cu aa hmannak a tam tuk caah mizeipoah nih herh dihmi a si ko. Sihmanhsehlaw, hawidang bantukin khuasak le riantuan a duh ve ko nain duhherhmi thil damhkhannak ah le cawlcanghnak caah dihheu ding phaisa tampi a ngei lomi caah a herh khun. A luancia kum tlawmpal chung lawng ah ramthumnak a phanmi Laimi tampi kan dirhmun bak a si. Hawi bantukin inn-lo tha le motor tha kan duh. Midang bantukin chawlehthelnak tuah len zong a duhmi kan um. Sihmanhsehlaw, ramtha ah kan umnak caan a tawi tuk hlei ah kan hmuhmi nihlawh an niam ngaingai. Thiammi ngeih lo hrat cu nihlawh sang rian kan tlai kho lo. Tinsih in khua kan sa ko nain hawidang nak tlawm deuh kan hmuhmi cu Laitlang lei he ithenhphawt a si fawn tik ah phaisa thazang in kan derthawm hringhran. Zeitindah kan duhmi thil kan zalh khawh lai i kan ruah khawhmi tuankawlnak lam (ideas) cu a tak ah kan ser khawh lai? Credit History/Score tha ngeihnak nih tampi a kan bawmh lai. Cucaah Credit History/Score tha ser hna usih.
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