hat
Anvan ou aplike pou yon ipotèk lakay, ou p'ap vle pou asire w ou FICO pwen ki pi bon ke li kapab. Sepandan, genyen kèk bagay sou chemen an ke kredi te rapòte ke sa pa konnen. Pa ekzanp, créanciers aktyèlman peye bureaux yo plis lajan pou téléchargement enfòmasyon ki réduit kredi ou pase pou ajoute bon enfòmasyon. Nan 2005, sou revni Ameriken bureaux kredi de peman an reta moute de 1.8 pousan pou 30 pousan. Sa vle di ke si ta gen yon mak nwa sou rapò ou, si ou pas se yon bèl, biwo kredi a pa motivés pou retire li.
eng
Before you apply for a home mortgage, you will want to make sure your FICO score is the best that it can be. However, there are some things about the way that credit is reported that aren't common knowledge. For instance, creditors actually pay the bureaus more money to upload information that lowers your credit than to add good information. In 2005, the credit bureaus' revenue from late payments went up from 1.8 per cent to 30 per cent! This means that if there's a black mark on your report, whether or not it's a fair one, the credit bureau is not motivated to remove it.