{"id":25911,"date":"2019-08-06T10:27:03","date_gmt":"2019-08-06T14:27:03","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/credit-score\/"},"modified":"2025-08-09T16:07:52","modified_gmt":"2025-08-09T16:07:52","slug":"credit-score","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/credit-score\/","title":{"rendered":"\u4ec0\u4e48\u662f\u4fe1\u7528\u8bc4\u5206\uff1f\u6211\u5982\u4f55\u67e5\u8be2\u6211\u7684\u4fe1\u7528\u8bc4\u5206\uff1f"},"content":{"rendered":"<p><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/credit-card-for-international-students\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\u83b7\u5f97\u4e86\u60a8\u7684\u7b2c\u4e00\u5f20\u4fe1\u7528\u5361<\/span><span style=\"font-weight: 400;\">\uff0c<\/span><\/a><span style=\"font-weight: 400;\">\u5e76\u5f00\u59cb\u5efa\u7acb\u60a8\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u90a3\u4e48\u60a8\u73b0\u5728\u9700\u8981\u5f00\u59cb\u5b66\u4e60\u5982\u4f55\u7ba1\u7406\u5b83\u3002\u60a8\u53ef\u80fd\u5df2\u7ecf\u542c\u8bf4\u8fc7\u201c\u4fe1\u7528\u5206\u6570\u201d\u8fd9\u4e2a\u8bcd\uff0c\u8fd9\u7edd\u5bf9\u662f\u60a8\u4fe1\u7528\u5386\u53f2\u4e2d\u7684\u91cd\u8981\u5143\u7d20\u3002\u4f46\u662f\u5b83\u610f\u5473\u7740\u4ec0\u4e48\uff0c\u60a8\u53c8\u5982\u4f55\u68c0\u67e5\u5b83\u5462\uff1f\u7ee7\u7eed\u9605\u8bfb\u4ee5\u4e86\u89e3\u66f4\u591a\uff01<\/span><\/p>\n<p><\/p>\n<h4><span style=\"color: #5da2d8;\"><b>\u4ec0\u4e48\u662f\u4fe1\u7528\u5206\u6570\uff1f<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u4e00\u822c\u6765\u8bf4\uff0c\u4fe1\u7528\u5206\u6570\u662f\u4e00\u4e2a<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/no-credit-vs-bad-credit\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">\u4e09\u4f4d\u6570<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u5b83\u8868\u793a\u60a8\u507f\u8fd8\u52a9\u5b66\u91d1\u7684\u53ef\u80fd\u6027\u3002\u94f6\u884c\u5bb6\u548c\u8d37\u6b3e\u4eba\uff0c\u6216\u8005\u6709\u65f6\u751a\u81f3\u662f\u96c7\u4e3b\uff0c\u4f1a\u4f7f\u7528\u5b83\u6765\u51b3\u5b9a\u662f\u5426\u6279\u51c6\u60a8\u7684\u4fe1\u7528\u5361\u6216\u52a9\u5b66\u91d1\uff0c\u6216\u8005\u8ba9\u60a8\u4e3a\u4ed6\u4eec\u5de5\u4f5c\u3002\u56e0\u6b64\uff0c\u4fe1\u7528\u5206\u6570\u4ee3\u8868\u4e86<\/span><span style=\"font-weight: 400;\">\u4e2a\u4eba\u7684\u4fe1\u7528\u72b6\u51b5\u3002\u4f46\u662f\u4ec0\u4e48\u51b3\u5b9a\u4e86\u5b9e\u9645\u7684\u4fe1\u7528\u5206\u6570\u5462\uff1f\u6709\u4e94\u4e2a\u4e3b\u8981\u56e0\u7d20\u53ef\u80fd\u4f1a\u5f71\u54cd\u60a8\u7684\u4fe1\u7528\u5206\u6570\uff0c<\/span><span style=\"font-weight: 400;\">\u5e78\u8fd0\u7684\u662f\uff0c\u5e76\u975e\u6240\u6709\u56e0\u7d20\u90fd\u88ab\u5e73\u7b49\u5bf9\u5f85\u3002<\/span><span style=\"font-weight: 400;\">\u5176\u4e2d\u4e00\u4e2a\u4e3b\u8981\u5143\u7d20\u662f\u60a8\u7684\u4ed8\u6b3e\u5386\u53f2\u3002\u67e5\u770b\u56fe\u8868\u4ee5\u4e86\u89e3\u5f71\u54cd\u60a8\u4fe1\u7528\u5206\u6570\u7684\u4e94\u4e2a\u4e3b\u8981\u7ec4\u6210\u90e8\u5206\u3002<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-9430 size-full\" src=\"https:\/\/www.mpowerfinancing.com\/wp-content\/uploads\/2019\/08\/credit-score-factor.png\" alt=\"Credit Score Factor\" width=\"600\" height=\"667\" \/><\/p>\n<h4><span style=\"color: #5da2d8;\"><b>\u201c\u597d\u201d\u7684\u4fe1\u7528\u5206\u6570\u610f\u5473\u7740\u4ec0\u4e48\uff1f\u5b83\u91cd\u8981\u5417\uff1f<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u62e5\u6709<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/zh\/no-credit-vs-bad-credit\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u5206<\/span><\/a><span style=\"font-weight: 400;\">\u53ef\u4ee5\u6700\u597d\u5730\u8bc1\u660e\u4f60\u662f\u4e00\u4e2a\u8d1f\u8d23\u4efb\u7684\u4eba\uff0c\u59cb\u7ec8\u80fd\u591f\u5904\u7406\u597d\u8d22\u52a1\u4e49\u52a1\u3002\u5982\u679c\u4f60\u6709\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u8d37\u6b3e\u4eba\u66f4\u53ef\u80fd\u5411\u4f60\u63d0\u4f9b\u52a9\u5b66\u91d1\uff0c\u56e0\u4e3a\u4ed6\u4eec\u8ba4\u4e3a\u4f60\u662f\u4e00\u4e2a\u597d\u7684\u6295\u8d44\u3002<\/span><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u7ef4\u62a4\u597d\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\u975e\u5e38\u91cd\u8981\u3002\u4ee5\u4e0b\u662f\u4f60\u9700\u8981\u6ce8\u610f\u7684\u4e3b\u8981\u56e0\u7d20\uff1a<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a01. \u51c6\u65f6\u8fd8\u6b3e\uff1a<br \/>\n<\/span><span style=\"font-weight: 400;\">\u53ca\u65f6\u652f\u4ed8\u4f60\u7684\u8d26\u5355\u3002\u5982\u679c\u4f60\u4e0d\u5c0f\u5fc3\u9519\u8fc7\u4e86\u4e00\u6b21\u4ed8\u6b3e\uff0c\u5c3d\u5feb\u8865\u4e0a\u3002\u903e\u671f\u4ed8\u6b3e\u53ef\u80fd\u5bf9\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u4ea7\u751f\u91cd\u5927\u8d1f\u9762\u5f71\u54cd\u3002\u6b64\u5916\uff0c\u5168\u989d\u652f\u4ed8\u53ef\u4ee5\u907f\u514d\u652f\u4ed8\u5229\u606f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a02. \u4fe1\u7528\u5361\u4f59\u989d\u4fdd\u6301\u8f83\u4f4e\uff1a<br \/>\n<\/span><span style=\"font-weight: 400;\">\u4e0d\u8981\u4f7f\u7528\u6389\u4fe1\u7528\u5361\u4e0a\u6240\u6709\u7684\u53ef\u7528\u4fe1\u7528\u989d\u5ea6\u3002\u9ad8\u989d\u5ea6\u4f7f\u7528\u53ef\u80fd\u4f1a\u5bf9\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u4ea7\u751f\u8d1f\u9762\u5f71\u54cd\u3002\u56e0\u6b64\uff0c<\/span><span style=\"font-weight: 400;\">\u4fdd\u6301\u4f4e\u4f59\u989d\u53ef\u4ee5<\/span><span style=\"font-weight: 400;\">\u63d0\u9ad8\u4f60\u7684\u8bc4\u5206\u3002<br \/>\n<\/span><span style=\"font-weight: 400;\">\u201c\u4e3a\u4e86\u4fdd\u6301\u5f3a\u52b2\u7684\u4fe1\u7528\u8bc4\u5206\uff0c\u5c3d\u91cf\u4f7f\u7528\u4e0d\u8d85\u8fc7\u4e00\u534a\u7684\u53ef\u7528\u4fe1\u7528\u989d\u5ea6\uff0c\u201d VantageScore Solutions\u7684\u9ad8\u7ea7\u526f\u603b\u88c1Sarah Davies\u8bf4\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a03. \u4e0d\u8981\u5173\u95ed\u672a\u4f7f\u7528\u7684\u4fe1\u7528\u5361\uff1a<br \/>\n<\/span><span style=\"font-weight: 400;\">\u5373\u4f7f\u4f60\u4e0d\u5e38\u4f7f\u7528\u67d0\u5f20\u4fe1\u7528\u5361\uff0c\u4e5f\u4e0d\u5e94\u8be5\u5173\u95ed\u8be5\u8d26\u6237\uff0c\u56e0\u4e3a\u4fe1\u7528\u5386\u53f2\u8d8a\u957f\uff0c\u4fe1\u7528\u8bc4\u5206\u8d8a\u597d\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a04. \u8d1f\u8d23\u4efb\u5730\u7ba1\u7406\u591a\u5f20\u4fe1\u7528\u5361\uff1a<br \/>\n<\/span><span style=\"font-weight: 400;\">\u62e5\u6709\u591a\u5f20\u4fe1\u7528\u5361\u662f\u53ef\u4ee5\u7684\uff0c\u53ea\u8981\u4f60\u6bcf\u6b21\u90fd\u80fd\u51c6\u65f6\u8fd8\u6b3e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u60f3\u66f4\u6df1\u5165\u5730\u4e86\u89e3\u6bcf\u4e2a\u7ec4\u6210\u90e8\u5206\u7684\u5177\u4f53\u542b\u4e49\uff0c\u4f60\u53ef\u4ee5\u5728<\/span><a href=\"https:\/\/ficoscore.com\/education\/#VitalPart\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">FICO\u8bc4\u5206\u7f51\u7ad9<\/span><\/a><span style=\"font-weight: 400;\">\u4e0a\u67e5\u770b\u5b98\u65b9\u89e3\u91ca\u3002<\/span><\/p>\n<p>000111222333444555<\/p>\n<h4><span style=\"color: #5da2d8;\"><b>\u90a3\u4e48\u6211\u5982\u4f55\u67e5\u8be2\u6211\u7684\u4fe1\u7528\u8bc4\u5206\u5462\uff1f<\/b><\/span><\/h4>\n<p>1. \u68c0\u67e5\u60a8\u7684\u4fe1\u7528\u5361\u3001\u91d1\u878d\u673a\u6784\u6216\u52a9\u5b66\u91d1\u58f0\u660e\uff1a<br \/>\n<span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u5df2\u7ecf\u6709\u4e00\u5f20\u4fe1\u7528\u5361\uff0c\u60a8\u53ef\u4ee5\u67e5\u770b\u516c\u53f8\u662f\u5426\u5728\u60a8\u7684\u8d26\u6237\u4fe1\u606f\u4e2d\u63d0\u4f9b\u4fe1\u7528\u5206\u6570\u3002\u60a8\u53ef\u4ee5\u901a\u8fc7\u767b\u5f55\u60a8\u7684\u8d26\u6237\u5728\u7ebf\u67e5\u770b\u4fe1\u7528\u5206\u6570\u3002\u60a8\u4e5f\u53ef\u4ee5\u4e0e\u60a8\u7684\u8d37\u6b3e\u4eba\uff0c\u5982\u94f6\u884c\uff0c\u8054\u7cfb\uff0c\u4ee5\u786e\u5b9a\u60a8\u662f\u5426\u53ef\u4ee5\u67e5\u770b\u60a8\u7684\u4fe1\u7528\u62a5\u544a\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a02. \u76f4\u63a5\u4ece\u4e09\u5927\u4fe1\u7528\u673a\u6784\u4e4b\u4e00\u76d1\u63a7\u4fe1\u7528\u5206\u6570\uff1a<br \/>\n<\/span><a href=\"https:\/\/www.equifax.com\/personal\/products\/credit\/report-and-score\/\"><span style=\"font-weight: 400;\">Equifax<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">Experian<\/span><span style=\"font-weight: 400;\">, \u548c <\/span><a href=\"https:\/\/www.transunion.com\/marketing\/ppc-wave?channel=paid&amp;cid=ppc:google:c:tui:nonbrand_competitors:1458291970:experian_general:58323095924:cid9&amp;gclid=EAIaIQobChMIjJ-4j63a4wIVDp-fCh3o4AKrEAAYAyAAEgJ2IfD_BwE\"><span style=\"font-weight: 400;\">TransUnion<\/span> <\/a><span style=\"font-weight: 400;\">\u662f\u7f8e\u56fd\u7684\u4e09\u5927\u4fe1\u7528\u673a\u6784\u3002\u4ed6\u4eec\u6bcf\u5e74\u63d0\u4f9b\u4e00\u4efd\u514d\u8d39\u7684\u4fe1\u7528\u62a5\u544a\uff0c\u5c3d\u7ba1\u60a8\u53ef\u80fd\u9700\u8981\u4ed8\u8d39\u4ee5\u4fbf\u66f4\u9891\u7e41\u5730\u8ddf\u8e2a\u60a8\u7684\u4fe1\u7528\u62a5\u544a\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a03. \u4f7f\u7528\u4fe1\u7528\u5206\u6570\u670d\u52a1\u6216\u514d\u8d39\u4fe1\u7528\u8bc4\u5206\u7f51\u7ad9\uff1a<br \/>\n<\/span><span style=\"font-weight: 400;\">\u4e00\u4e9b\u7f51\u7ad9\u4e3a\u7528\u6237\u63d0\u4f9b\u514d\u8d39\u7684\u4fe1\u7528\u5206\u6570\uff0c\u4ee5\u4fbf\u8ddf\u8e2a\u4ed6\u4eec\u7684\u4fe1\u7528\u5386\u53f2\u3002\u4f8b\u5982\uff0c<\/span><a href=\"https:\/\/www.experian.com\/consumer-products\/credit-score.html\"><span style=\"font-weight: 400;\">freecreditreport<\/span><\/a><span style=\"font-weight: 400;\"> (Experian\u7684\u4e00\u90e8\u5206) \u548c <\/span><a href=\"https:\/\/www.creditkarma.com\/signup\"><span style=\"font-weight: 400;\">creditkarma<\/span><\/a><span style=\"font-weight: 400;\"> \u63d0\u4f9b\u514d\u8d39\u4fe1\u7528\u5206\u6570\u7684\u8bbf\u95ee\u3002\u00a0<\/span><\/p>\n<p>666777888999000111<\/p>\n<h4><span style=\"color: #5da2d8;\"><b>\u5bf9\u60a8\u7684\u4fe1\u7528\u5386\u53f2\u548c\u4fe1\u7528\u5206\u6570\u8d1f\u8d23<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u5b9a\u671f\u5ba1\u67e5\u60a8\u7684\u4fe1\u7528\u62a5\u544a\u5e76\u4e86\u89e3\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u975e\u5e38\u91cd\u8981\u3002\u5982\u679c\u60a8\u5728\u62a5\u544a\u4e2d\u53d1\u73b0\u4e86\u4e0d\u51c6\u786e\u7684\u4fe1\u606f\uff0c\u60a8\u9700\u8981\u7acb\u5373\u91c7\u53d6\u884c\u52a8\u5411\u673a\u6784\u7533\u8bf7\u4e89\u8bae\u3002\u826f\u597d\u7684\u4fe1\u7528\u62a5\u544a\u548c\u4fe1\u7528\u8bc4\u5206\u53ef\u4ee5\u5e2e\u52a9\u60a8\u83b7\u5f97\u6700\u4f73\u7684\u5229\u7387\uff0c\u5e76\u5e2e\u52a9\u60a8\u66f4\u5bb9\u6613\u5730\u83b7\u5f97\u52a9\u5b66\u91d1\u3002\u6700\u540e\u4f46\u540c\u6837\u91cd\u8981\u7684\u662f\uff0c\u8ddf\u8e2a\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u662f\u786e\u4fdd\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u5904\u4e8e\u826f\u597d\u72b6\u6001\u5e76\u63a7\u5236\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u7684\u597d\u65b9\u6cd5\u3002\u00a0<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>222333444555666777888instagram999000twitter111222linkedin333444facebook555666youtube777888<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-9418 size-full\" src=\"https:\/\/www.mpowerfinancing.com\/wp-content\/uploads\/2019\/08\/Su-signature-e1565100885119.jpg\" alt=\"Su-signature\" width=\"250\" height=\"106\" 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