{"id":25282,"date":"2025-03-20T13:59:46","date_gmt":"2025-03-20T17:59:46","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/maintain-credit-score-us\/"},"modified":"2025-07-30T04:05:35","modified_gmt":"2025-07-30T04:05:35","slug":"maintain-credit-score-us","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/maintain-credit-score-us\/","title":{"rendered":"\u56fd\u9645\u5b66\u751f\u5982\u4f55\u5728\u7f8e\u56fd\u5efa\u7acb\u548c\u7ef4\u6301\u9ad8\u4fe1\u7528\u8bc4\u5206"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u5bf9\u4e8e\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u5efa\u7acb\u548c\u7ef4\u6301\u5f3a\u5927\u7684\u4fe1\u7528\u8bc4\u5206\u81f3\u5173\u91cd\u8981\uff0c\u56e0\u4e3a\u8fd9\u5c06\u5728\u4f60\u5728\u7f8e\u56fd\u5b66\u4e60\u671f\u95f4\u548c\u4e4b\u540e\u83b7\u53d6\u8d22\u52a1\u673a\u4f1a\u3002\u4e0e\u8bb8\u591a\u56fd\u5bb6\u4e0d\u540c\uff0c\u7f8e\u56fd\u6709\u4e00\u4e2a\u4fe1\u7528\u8bc4\u5206\u7cfb\u7edf\uff0c\u5728\u51b3\u5b9a\u8d37\u6b3e\u3001\u4f4f\u623f\u3001\u6c7d\u8f66\u3001\u4fe1\u7528\u5361\u548c\u5176\u4ed6\u91d1\u878d\u4e8b\u52a1\u65f6\u8d77\u7740\u91cd\u8981\u4f5c\u7528\u3002<\/span><span style=\"font-weight: 400;\">\u4e0d\u5e78\u7684\u662f\uff0c\u4f60\u5728\u672c\u56fd\u7684\u8d22\u52a1\u5386\u53f2\u901a\u5e38\u4e0d\u4f1a\u8f6c\u79fb\u5230\u7f8e\u56fd\uff0c\u56e0\u6b64<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/no-credit-vs-bad-credit\"><span style=\"font-weight: 400;\">\u5efa\u7acb\u4fe1\u7528\u5386\u53f2<\/span><\/a><span style=\"font-weight: 400;\">\u5c3d\u5feb\u53d8\u5f97\u81f3\u5173\u91cd\u8981\u3002\u7ee7\u7eed\u9605\u8bfb\uff0c\u4e86\u89e3\u5982\u4f55\u4e3a\u56fd\u9645\u5b66\u751f\u5efa\u7acb\u548c\u7ef4\u6301\u5f3a\u5927\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u4ec0\u4e48\u662f\u4fe1\u7528\u8bc4\u5206\uff0c\u4e3a\u4ec0\u4e48\u5bf9\u56fd\u9645\u5b66\u751f\u6765\u8bf4\u8fd9\u5f88\u91cd\u8981\uff1f<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u662f\u4f60\u8d22\u52a1\u5065\u5eb7\u72b6\u51b5\u7684\u6570\u5b57\u8868\u793a\u3002\u5b83\u5e2e\u52a9\u8d37\u6b3e\u4eba\u8bc4\u4f30\u4f60\u507f\u8fd8\u501f\u6b3e\u7684\u53ef\u80fd\u6027\u3002\u4fe1\u7528\u8bc4\u5206\u8d8a\u9ad8\uff0c\u8d37\u6b3e\u4eba\u5bf9\u4f60\u80fd\u591f\u6309\u65f6\u507f\u8fd8\u52a9\u5b66\u91d1\u3001\u4fe1\u7528\u5361\u548c\u5176\u4ed6\u91d1\u878d\u4e49\u52a1\u7684\u4fe1\u5fc3\u5c31\u8d8a\u5927\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\uff0c\u6700\u5e7f\u6cdb\u4f7f\u7528\u7684\u4fe1\u7528\u8bc4\u5206\u6a21\u578b\u662fFICO\u8bc4\u5206\u3002FICO\u8bc4\u5206\u8303\u56f4\u4ece300\u5230850\uff0c\u5206\u6570\u8d8a\u9ad8\u8868\u793a\u4fe1\u7528\u72b6\u51b5\u8d8a\u597d\u3002\u4f60\u7684\u4fe1\u7528\u5386\u53f2\u62a5\u544a\u4e2d\u7684\u51e0\u4e2a\u56e0\u7d20\u88ab\u7528\u6765\u786e\u5b9a\u4f60\u7684\u603b\u4f53\u4fe1\u7528\u8bc4\u5206\uff0c\u5305\u62ec:<\/span><b><\/b><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><b>\u4ed8\u6b3e\u5386\u53f2\uff0835%\uff09\u3002<\/b><span style=\"font-weight: 400;\">\u8fd9\u662f\u6700\u91cd\u8981\u7684\u56e0\u7d20\uff0c\u56e0\u4e3a\u5b83\u663e\u793a\u4f60\u662f\u5426\u6309\u65f6\u652f\u4ed8\u4e86\u4f60\u7684\u4fe1\u7528\u5361\uff0c<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/what-is-an-international-student-loan\"><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u548c\u5176\u4ed6\u503a\u52a1\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><b>\u6b20\u6b3e\u91d1\u989d\uff0830%\uff09\u3002<\/b><span style=\"font-weight: 400;\">\u8fd9\u4e2a\u56e0\u7d20\u770b\u7684\u662f\u4f60\u7684\u603b\u503a\u52a1\u4e0e\u53ef\u7528\u4fe1\u7528\u7684\u6bd4\u4f8b\u3002\u6240\u4ee5\uff0c\u4fdd\u6301\u4f4e\u4fe1\u7528\u8d26\u6237\u4f59\u989d\u5bf9\u4e8e\u7ef4\u6301\u5065\u5eb7\u7684\u4fe1\u7528\u8bc4\u5206\u5f88\u91cd\u8981\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><b>\u4fe1\u7528\u5386\u53f2\u957f\u5ea6\uff0815%\uff09\u3002<\/b><span style=\"font-weight: 400;\">\u8d37\u6b3e\u4eba\u66f4\u559c\u6b22\u6709\u8f83\u957f\u4fe1\u7528\u5386\u53f2\u7684\u501f\u6b3e\u4eba\uff0c\u56e0\u4e3a\u8fd9\u8868\u660e\u4f60\u6709\u7ba1\u7406\u503a\u52a1\u7684\u7ecf\u9a8c\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u4f60\u4f1a\u60f3\u5728\u4f60\u7684\u7559\u5b66\u65c5\u7a0b\u65e9\u671f\u5f00\u59cb\u5efa\u7acb\u4f60\u7684\u4fe1\u7528\u5386\u53f2\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><b>\u4fe1\u7528\u7c7b\u578b\uff08\u536010%\uff09\u3002<\/b><span style=\"font-weight: 400;\"> \u62e5\u6709\u591a\u5143\u5316\u7684\u4fe1\u7528\u7ec4\u5408\u2014\u2014\u5982\u52a9\u5b66\u91d1\u3001\u96f6\u552e\u8d26\u6237\u548c\u4fe1\u7528\u5361\u2014\u2014\u662f\u7406\u60f3\u7684\uff0c\u8fd9\u8868\u660e\u60a8\u80fd\u8d1f\u8d23\u4efb\u5730\u7ba1\u7406\u4e0d\u540c\u7c7b\u578b\u7684\u503a\u52a1\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><b>\u65b0\u7684\u4fe1\u7528\uff08\u536010%\uff09\u3002<\/b><span style=\"font-weight: 400;\"> \u8fd9\u4e2a\u56e0\u7d20\u8bc4\u4f30\u60a8\u662f\u5426\u5728\u77ed\u65f6\u95f4\u5185\u5f00\u8bbe\u4e86\u591a\u6761\u65b0\u7684\u4fe1\u7528\u989d\u5ea6\u3002\u8fc7\u591a\u7684\u4fe1\u7528\u7533\u8bf7\u901a\u5e38\u88ab\u89c6\u4e3a\u98ce\u9669\u884c\u4e3a\u3002<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u5bf9\u4e8e\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u62e5\u6709\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u5206\u610f\u5473\u7740\u66f4\u5927\u7684\u8d22\u52a1\u81ea\u7531\u3002\u5b83\u53ef\u4ee5\u5e2e\u52a9\u60a8\u83b7\u5f97\u79df\u8d41\u4f4f\u623f\u548c\u6c7d\u8f66\u52a9\u5b66\u91d1\u3002\u6b64\u5916\uff0c\u5b83\u8fd8\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u66f4\u597d\u7684\u91d1\u878d\u4ea7\u54c1\u6761\u4ef6\uff0c\u5982\u4fe1\u7528\u5361\u548c\u4e2a\u4eba\u52a9\u5b66\u91d1\u3002\u6700\u7ec8\uff0c\u5f3a\u5927\u7684\u4fe1\u7528\u8bc4\u5206\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5728\u7f8e\u56fd\u5efa\u7acb\u957f\u671f\u7684\u8d22\u52a1\u5b89\u5168\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u56fd\u9645\u5b66\u751f\u5982\u4f55\u5728\u7f8e\u56fd\u5efa\u7acb\u4fe1\u7528\uff1f\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\u5efa\u7acb\u4fe1\u7528\u5bf9\u4e8e\u56fd\u9645\u5b66\u751f\u6765\u8bf4\u53ef\u80fd\u662f\u4e2a\u6311\u6218\u3002\u5173\u952e\u662f\u8981\u65e9\u5f00\u59cb\uff0c\u5e76\u6709\u610f\u8bc6\u5730\u91c7\u53d6\u6b65\u9aa4\uff0c\u4e0d\u4ec5\u8981\u5efa\u7acb\uff0c\u8fd8\u8981\u7ef4\u6301\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u5206\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/financial-empowerment\/how-to-build-credit-in-the-us\"><span style=\"font-weight: 400;\">\u5efa\u7acb\u56fd\u9645\u5b66\u751f\u826f\u597d\u4fe1\u7528\u8bc4\u5206<\/span><\/a><span style=\"font-weight: 400;\">\u7684\u806a\u660e\u65b9\u6cd5\uff1a<\/span><\/p>\n<ol>\n<li><b>\u5f00\u8bbe\u4e00\u5f20\u4fe1\u7528\u5361\u3002<\/b><span style=\"font-weight: 400;\">\u9996\u5148\uff0c\u7533\u8bf7\u4e00\u5f20\u5b89\u5168\u4fe1\u7528\u5361\uff0c\u8be5\u5361\u9700\u8981\u9000\u8fd8\u62bc\u91d1\uff08\u4f8b\u5982\uff0c500\u7f8e\u5143\uff09\u4f5c\u4e3a\u62b5\u62bc\uff0c\u4ee5\u6362\u53d6\u7b49\u989d\u7684\u4fe1\u7528\u989d\u5ea6\u3002\u6216\u8005\uff0c\u8003\u8651<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/student-credit-cards-really-for-students\"><span style=\"font-weight: 400;\">\u5f00\u8bbe\u4e00\u5f20\u5b66\u751f\u4fe1\u7528\u5361<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u8fd9\u662f\u4e3a\u65b0\u7684\u4fe1\u7528\u7528\u6237\u8bbe\u8ba1\u7684\u3002\u8bf7\u6ce8\u610f\uff0c\u5b89\u5168\u5361\u901a\u5e38\u6709\u4f4e\u4fe1\u7528\u989d\u5ea6\u548c\u9ad8\u5229\u7387\u3002<\/span><\/li>\n<li><b>\u6210\u4e3a\u5bb6\u5ead\u5361\u7684\u6388\u6743\u7528\u6237\u3002<\/b><span style=\"font-weight: 400;\">\u4f5c\u4e3a\u6388\u6743\u7528\u6237\uff0c\u60a8\u53ef\u4ee5\u4ece\u5361\u6301\u6709\u4eba\u7684\u6b63\u9762\u4ed8\u6b3e\u5386\u53f2\u4e2d\u53d7\u76ca\u3002\u7136\u800c\uff0c\u4ed6\u4eec\u7684\u4efb\u4f55\u8d1f\u9762\u4ed8\u6b3e\u884c\u4e3a\u4e5f\u53ef\u80fd\u5f71\u54cd\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/span><\/li>\n<li><b>\u51c6\u65f6\u652f\u4ed8\u8d26\u5355\u3002<\/b><span style=\"font-weight: 400;\">\u8fd9\u662f\u63d0\u9ad8\u4fe1\u7528\u8bc4\u5206\u6700\u6709\u6548\u7684\u65b9\u5f0f\u4e4b\u4e00\u3002<\/span> <span style=\"font-weight: 400;\">\u8bbe\u7acb<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/set-up-automatic-payments\"><span style=\"font-weight: 400;\">\u81ea\u52a8\u652f\u4ed8\u5468\u671f\u6027\u8d26\u5355<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u5982\u79df\u91d1\u3001\u516c\u7528\u4e8b\u4e1a\u548c\u7535\u8bdd\u670d\u52a1\u8d39\uff0c\u662f\u786e\u4fdd\u4f60\u4e0d\u4f1a\u9519\u8fc7\u4ed8\u6b3e\u7684\u597d\u65b9\u6cd5\u3002<\/span><\/li>\n<li><b>\u76d1\u63a7\u4fe1\u7528\u62a5\u544a\u3002<\/b><span style=\"font-weight: 400;\">\u5b9a\u671f<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-to-monitor-your-credit-report\"><span style=\"font-weight: 400;\">\u67e5\u770b\u4f60\u7684\u4fe1\u7528\u62a5\u544a<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u4eceEquifax\u3001Experian\u548cTransUnion\u83b7\u53d6\u4fe1\u606f\uff0c\u4ee5\u4fbf\u53ca\u65f6\u4e86\u89e3\u4f60\u7684\u4fe1\u7528\u8fdb\u5c55\uff0c\u5e76\u53ca\u65e9\u53d1\u73b0\u9519\u8bef\u6216\u6b3a\u8bc8\u884c\u4e3a\u3002<\/span><\/li>\n<li><b>\u8003\u8651\u5728\u5b66\u671f\u95f4\u507f\u8fd8\u52a9\u5b66\u91d1\u3002<\/b><span style=\"font-weight: 400;\">\u5728<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/benefits-of-in-school-loan-payments\"><span style=\"font-weight: 400;\">\u4f60\u5728\u5b66\u6821\u671f\u95f4\u53ea\u507f\u8fd8\u5229\u606f<\/span><\/a><span style=\"font-weight: 400;\">\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u5386\u53f2\uff0c\u5e76\u5411\u5176\u4ed6\u8d37\u6b3e\u673a\u6784\u5c55\u793a\u4f60\u80fd\u8d1f\u8d23\u5730\u7ba1\u7406\u503a\u52a1\u3002<\/span><\/li>\n<li><span style=\"font-weight: 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