{"id":25360,"date":"2024-04-22T09:12:42","date_gmt":"2024-04-22T13:12:42","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/how-to-build-your-canadian-credit-score-as-an-international-student-in-canada\/"},"modified":"2025-08-04T17:55:31","modified_gmt":"2025-08-04T17:55:31","slug":"how-to-build-your-canadian-credit-score-as-an-international-student-in-canada","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/how-to-build-your-canadian-credit-score-as-an-international-student-in-canada\/","title":{"rendered":"\u4f5c\u4e3a\u52a0\u62ff\u5927\u7684\u56fd\u9645\u5b66\u751f\u5982\u4f55\u5efa\u7acb\u4f60\u7684\u52a0\u62ff\u5927\u4fe1\u7528\u8bc4\u5206"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u62e5\u6709\u826f\u597d\u7684\u4fe1\u7528\u975e\u5e38\u91cd\u8981\uff0c\u4f46\u662f\u6ca1\u6709\u4fe1\u7528\u5c31\u5f88\u96be\u5efa\u7acb\u4fe1\u7528\u3002\u5bf9\u4e8e\u52a0\u62ff\u5927\u7684\u56fd\u9645\u5b66\u751f\u6765\u8bf4\uff0c\u5efa\u7acb\u4ed6\u4eec\u7684\u4fe1\u7528\u8bc4\u5206\u5e76\u4e0d\u603b\u662f\u5bb9\u6613\u7684\u3002\u7136\u800c\uff0c\u6709\u529e\u6cd5\u53ef\u4ee5\u505a\u5230\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">1. \u627e\u4e00\u5f20\u5b66\u751f\u4fe1\u7528\u5361<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5b66\u751f\u4fe1\u7528\u5361\u4e3b\u8981\u9488\u5bf9\u7684\u662f\u90a3\u4e9b\u6ca1\u6709\u592a\u591a\u4fe1\u7528\u5386\u53f2\uff08\u4f60\u5982\u4f55\u507f\u8fd8\u503a\u52a1\u7684\u8bb0\u5f55\uff09\u7684\u5b66\u751f\u3002\u5b66\u751f\u4fe1\u7528\u5361\u6700\u9002\u5408\u90a3\u4e9b\u4fe1\u7528\u65e0\u5f62\u6216\u4fe1\u7528\u8bc4\u5206\u4e0d\u9ad8\uff0c\u65e0\u6cd5\u7533\u8bf7\u5176\u4ed6\u7c7b\u578b\u4fe1\u7528\u5361\u7684\u4eba\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u83b7\u5f97\u6279\u51c6\uff0c\u4f60\u53ef\u80fd\u4f1a\u6709\u4e00\u4e2a\u8f83\u4f4e\u6216\u6709\u9650\u7684\u6700\u9ad8\u4fe1\u7528\u989d\u5ea6\u3002\u4f46\u662f\u62e5\u6709\u4e00\u5f20\u5e76\u8d1f\u8d23\u4efb\u5730\u4f7f\u7528\u5b83\u53ef\u4ee5\u5e2e\u52a9\u4f60\u5efa\u7acb\u4fe1\u7528\u3002\u4f60\u53ef\u4ee5\u4f7f\u7528\u8fd9\u5f20\u5361\u8fdb\u884c\u8d2d\u7269\uff0c\u7136\u540e\u5728\u6708\u5e95\u5168\u989d\u507f\u8fd8\u8fd9\u5f20\u5361\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8981\u5bf9\u4f60\u7684\u5361\u8d1f\u8d23\uff0c\u53ea\u8d2d\u4e70\u4f60\u6ca1\u6709\u4fe1\u7528\u5361\u4e5f\u80fd\u652f\u4ed8\u7684\u4e1c\u897f\u3002\u8fd9\u6709\u52a9\u4e8e\u786e\u4fdd\u4f60\u4e0d\u4f1a\u8fc7\u5ea6\u6d88\u8d39\uff0c\u643a\u5e26\u4f59\u989d\u5e76\u9677\u5165\u4fe1\u7528\u5361\u503a\u52a1\u3002\u8bf7\u8bb0\u4f4f\uff0c\u5e76\u975e\u6240\u6709\u7684\u53d1\u5361\u673a\u6784\u90fd\u5411\u52a0\u62ff\u5927\u7684\u4e3b\u8981\u4fe1\u7528\u673a\u6784\u62a5\u544a\u3002\u6240\u4ee5\u627e\u5230\u90a3\u4e9b\u5411Equifax\u548cTransunion\u62a5\u544a\u7684\u673a\u6784\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">2. \u8003\u8651\u4e00\u5f20\u6709\u62c5\u4fdd\u7684\u4fe1\u7528\u5361<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u6709\u62c5\u4fdd\u7684\u4fe1\u7528\u5361\u662f\u4e00\u79cd\u4f60\u7684\u5b58\u6b3e\u4f5c\u4e3a\u4f60\u7684\u4fe1\u7528\u989d\u5ea6\u7684\u5361\u3002\u8bb8\u591a\u53d1\u5361\u673a\u6784\u6709\u4f60\u53ef\u4ee5\u5b58\u6b3e\u7684\u6700\u4f4e\u91d1\u989d\uff0c\u8fd9\u4e9b\u91d1\u989d\u6839\u636e\u4f60\u7684\u6536\u5165\u548c\u4f60\u80fd\u627f\u53d7\u7684\u80fd\u529b\u6709\u4e0d\u540c\u7684\u6c34\u5e73\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f60\u53ef\u4ee5\u4f7f\u7528\u4f60\u7684\u5361\u5230\u6700\u9ad8\u9650\u989d\uff0c\u4e00\u65e6\u4f60\u507f\u8fd8\u4e86\u4f60\u7684\u5361\uff0c\u4f60\u53ef\u4ee5\u518d\u505a\u4e00\u6b21\u3002\u8fd9\u6837\u505a\u51e0\u4e2a\u6708\u5c06\u5efa\u7acb\u8d1f\u8d23\u4efb\u7684\u4fe1\u7528\u5361\u4f7f\u7528\uff0c\u5e76\u53ef\u80fd\u4f7f\u4f60\u6709\u8d44\u683c\u8f6c\u5230\u4f20\u7edf\u7684\u4fe1\u7528\u5361\u3002\u5927\u591a\u6570\u4fe1\u7528\u5361\u53d1\u5361\u673a\u6784\u5728\u4f60\u8f6c\u79fb\u540e\u4e5f\u4f1a\u9000\u8fd8\u4f60\u7684\u5b58\u6b3e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u786e\u4fdd\u4f60\u9009\u62e9\u4e00\u5f20\u5411\u52a0\u62ff\u5927\u7684\u4e3b\u8981\u4fe1\u7528\u673a\u6784\u62a5\u544a\u7684\u5361\uff1aEquifax\u548cTransunion\u3002\u8fd9\u662f\u4e00\u4e2a\u91cd\u8981\u7684\u6b65\u9aa4\uff0c\u56e0\u4e3a\u5982\u679c\u6ca1\u6709\u8fd9\u4e2a\u8bb0\u5f55\u4f60\u8d1f\u8d23\u4efb\u7684\u4fe1\u7528\u4f7f\u7528\u7684\u6587\u4ef6\u8bb0\u5f55\uff0c\u4f60\u5c06\u65e0\u6cd5\u4ece\u4f60\u4ee5\u524d\u7684\u5386\u53f2\u4e2d\u53d7\u76ca\uff0c\u5e76\u4e3a\u5c06\u6765\u80fd\u591f\u4f7f\u7528\u5176\u4ed6\u4fe1\u7528\u9009\u9879\u5960\u5b9a\u57fa\u7840\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3. \u4fdd\u6301\u4f4e\u4fe1\u7528\u5229\u7528\u7387<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4f60\u7684\u4fe1\u7528\u5229\u7528\u7387\u662f\u4f60\u6bcf\u4e2a\u6708\u7684\u4fe1\u7528\u989d\u5ea6\u4e0e\u4f60\u53ef\u7528\u7684\u4fe1\u7528\u989d\u5ea6\u7684\u6bd4\u4f8b\uff0c\u901a\u5e38\u4ee5\u767e\u5206\u6bd4\u8868\u793a\u3002\u4f60\u7684\u4fe1\u7528\u5229\u7528\u7387\u8d8a\u9ad8\uff0c\u4f60\u6309\u7ea6\u8fd8\u6b3e\u7684\u98ce\u9669\u5c31\u8d8a\u5927\u3002\u8f83\u4f4e\u7684\u5229\u7528\u7387\u610f\u5473\u7740\u4f60\u5bf9\u4fe1\u7528\u8d1f\u8d23\u4efb\uff0c\u53d1\u5361\u673a\u6784\u66f4\u53ef\u80fd\u5411\u4f60\u63d0\u4f9b\u989d\u5916\u7684\u52a9\u5b66\u91d1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4fdd\u6301\u4f60\u7684\u5229\u7528\u7387\u572830%\u4ee5\u4e0b\u662f\u5f88\u597d\u7684\uff0c\u4f46\u662f\u8d8a\u4f4e\u8d8a\u597d\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4. \u5f00\u59cb\u507f\u8fd8\u4f60\u7684\u5b66\u751f\u52a9\u5b66\u91d1<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u4f60\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u53ef\u80fd\u5df2\u7ecf\u51fa\u73b0\u5728\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u4e0a\u3002\u4f60\u5f00\u59cb\u5b9a\u671f\u507f\u8fd8\u90a3\u7b14\u503a\u52a1\uff08\u5373\u4f7f\u53ea\u662f\u4e00\u70b9\u70b9\uff09\u7684\u65f6\u95f4\u8d8a\u65e9\uff0c\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u63d0\u9ad8\u7684\u65f6\u95f4\u5c31\u8d8a\u65e9\u3002\u4f60\u73b0\u5728\u80fd\u507f\u8fd8\u7684\u5b66\u751f\u52a9\u5b66\u91d1\u8d8a\u591a\uff0c\u4f60\u6bd5\u4e1a\u540e\u9700\u8981\u507f\u8fd8\u7684\u5c31\u8d8a\u5c11\u3002<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\"><span style=\"font-weight: 400;\">MPOWER Financing\u5b66\u751f\u52a9\u5b66\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u5141\u8bb8\u4f60\u5728\u5b66\u6821\u671f\u95f4\u548c\u6bd5\u4e1a\u540e\u7684\u516d\u4e2a\u6708\u5185\u505a\u51fa\u6bcf\u6708\u7684\u4ec5\u5229\u606f\u652f\u4ed8\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">5. \u5236\u5b9a\u4e00\u9879\u6d88\u8d39\u8ba1\u5212<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u5927\u5b66\u751f\u56e0\u4e3a\u8d2b\u7a77\u548c\u6ca1\u6709\u592a\u591a\u7684\u989d\u5916\u73b0\u91d1\u800c\u53d7\u5230\u5f88\u591a\u6307\u8d23\u3002\u867d\u7136\u8fd9\u5bf9\u8bb8\u591a\u5b66\u751f\u6765\u8bf4\u662f\u771f\u7684\uff0c\u4f46\u662f\u6709\u65b9\u6cd5\u53ef\u4ee5\u8ba9\u4f60\u5728\u4f60\u7684\u80fd\u529b\u8303\u56f4\u5185\u751f\u6d3b\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9996\u5148\uff0c\u5236\u5b9a\u4e00\u4e2a\u6d88\u8d39\u8ba1\u5212\u3002\u5217\u51fa\u6240\u6709\u7684\u5f00\u652f\uff0c\u5305\u62ec\u6bcf\u6708\u7684\u8d26\u5355\uff0c\u5982\u7535\u8bdd\u8d39\u548c\u6c7d\u8f66\u4fdd\u9669\u3002\u7136\u540e\u653e\u5165\u4f60\u7684\u53ef\u652f\u914d\u5f00\u652f\uff0c\u5982\u5916\u51fa\u5c31\u9910\u3001\u6742\u8d27\u548c\u6c7d\u6cb9\u3002\u5305\u62ec\u4efb\u4f55\u53d8\u52a8\u7684\u8d39\u7528\uff0c\u4f46\u4f60\u53ef\u4ee5\u5728\u8fc7\u53bb\u7684\u51e0\u4e2a\u6708\u5185\u5e73\u5747\u51fa\u6765\u3002\u4f7f\u7528\u4f60\u7684\u94f6\u884c\u6216\u4fe1\u7528\u5361\u5bf9\u8d26\u5355\u6765\u5e2e\u52a9\u4f60\u4e86\u89e3\u4f60\u5728\u8fd9\u91cc\u82b1\u4e86\u591a\u5c11\u94b1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7136\u540e\u5199\u51fa\u6240\u6709\u7684\u6536\u5165\u6765\u6e90\uff0c\u65e0\u8bba\u662f\u6765\u81ea\u5b66\u751f\u52a9\u5b66\u91d1\u3001\u5de5\u4f5c\u3001\u7236\u6bcd\u652f\u6301\u8fd8\u662f\u5176\u4ed6\u4ec0\u4e48\u3002\u4f7f\u7528\u4f60\u7684\u6536\u5165\u6765\u5e2e\u52a9\u5236\u5b9a\u4f60\u7684\u5f00\u652f\u76ee\u6807\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u63a5\u4e0b\u6765\uff0c\u4f7f\u7528\u4f60\u7684\u9884\u7b97\u6765\u786e\u5b9a\u5982\u4f55\u5728\u4f7f\u7528\u5176\u4ed6\u8d44\u6e90\u7684\u540c\u65f6\uff0c\u6839\u636e\u4f60\u7684\u80fd\u529b\u751f\u6d3b\u3002\u4f8b\u5982\uff0c\u4f7f\u7528\u4fe1\u7528\u5361\u652f\u4ed8\u6742\u8d27\u548c\u6c7d\u6cb9\uff0c\u7136\u540e\u6bcf\u4e2a\u6708\u6309\u65f6\u507f\u8fd8\u90a3\u5f20\u5361\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f60\u7684\u6d88\u8d39\u8ba1\u5212\u662f\u4e00\u4e2a\u6d3b\u7684\uff0c\u547c\u5438\u7684\u6587\u4ef6\u3002\u867d\u7136\u5b83\u53ef\u80fd\u9700\u8981\u4e00\u4e9b\u65f6\u95f4\u6765\u8bbe\u7f6e\uff0c\u4f46\u4f60\u4e0d\u4f1a\u60f3\u8981\u8bbe\u7f6e\u5b83\u7136\u540e\u5fd8\u8bb0\u5b83\u3002\u4f60\u4f1a\u60f3\u8981\u7ecf\u5e38\u586b\u5199\u4f60\u7684\u5f00\u652f\uff0c\u770b\u770b\u4f60\u662f\u5426\u6bcf\u4e2a\u6708\u90fd\u5728\u4f60\u7684\u80fd\u529b\u8303\u56f4\u5185\u3002\u4e8b\u60c5\u4f1a\u53d1\u751f\uff0c\u5f00\u652f\u4e5f\u4f1a\u6539\u53d8\uff0c\u6240\u4ee5\u6700\u597d\u5b9a\u671f\u68c0\u67e5\u548c\u66f4\u65b0\u4f60\u7684\u6d88\u8d39\u8ba1\u5212\u7c7b\u522b\u548c\u8ba1\u5212\u7684\u5f00\u652f\uff0c\u65e0\u8bba\u662f\u6bcf\u5468\u3001\u6bcf\u6708\u8fd8\u662f\u51e0\u4e2a\u6708\uff0c\u90fd\u8981\u575a\u6301\u4e0b\u53bb\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">6. \u68c0\u67e5\u4f60\u7684\u4fe1\u7528\u8bc4\u5206<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u68c0\u67e5\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u548c\u62a5\u544a &#8211; \u5373\u4f7f\u4f60\u521a\u521a\u5f00\u59cb\u4f60\u7684\u52a0\u62ff\u5927\u4fe1\u7528\u4e4b\u65c5\u3002\u4fe1\u7528\u65e0\u5f62\u53ef\u80fd\u4f7f\u4f60\u96be\u4ee5\u5f00\u59cb\uff0c\u4f46\u662f\u770b\u5230\u4f60\u7684\u8d77\u70b9\u53ef\u4ee5\u5e2e\u52a9\u4f60\u627e\u51fa\u4e0b\u4e00\u6b65\u3002\u5b83\u4e5f\u53ef\u4ee5\u5e2e\u52a9\u4f60\u770b\u5230\u503a\u6743\u4eba\u770b\u5230\u7684\u4e1c\u897f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5c1d\u8bd5\u5b9a\u671f\u68c0\u67e5\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u5373\u4f7f\u662f\u6bcf\u4e2a\u6708\u3002\u4e00\u4e9b\u4fe1\u7528\u673a\u6784\u6bcf\u5468\u66f4\u65b0\u8bc4\u5206\uff0c\u4f60\u53ef\u80fd\u4f1a\u770b\u5230\u6bd4\u6bcf\u4e2a\u6708\u66f4\u9891\u7e41\u7684\u6ce2\u52a8\u3002\u5b9a\u671f\u5173\u6ce8\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u662f\u770b\u4f60\u662f\u5426\u5728\u6b63\u786e\u8f68\u9053\u4e0a\u7684\u597d\u65b9\u6cd5\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u4e0b\u4e00\u6b65\uff1a\u5728\u52a0\u62ff\u5927\u5efa\u7acb\u4f60\u7684\u4fe1\u7528\u8bc4\u5206<\/span><\/h2>\n<p><span style=\"font-weight: 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