{"id":25971,"date":"2023-01-29T01:28:33","date_gmt":"2023-01-29T06:28:33","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/no-credit-vs-bad-credit\/"},"modified":"2025-08-09T17:29:35","modified_gmt":"2025-08-09T17:29:35","slug":"no-credit-vs-bad-credit","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/no-credit-vs-bad-credit\/","title":{"rendered":"\u65e0\u4fe1\u7528 vs. \u574f\u4fe1\u7528\uff1a\u5b83\u4eec\u5e76\u4e0d\u76f8\u540c\uff01"},"content":{"rendered":"<h4><span style=\"color: #5da2d8;\"><b>\u65e0\u4fe1\u7528<\/b><b>\u2260 \u4fe1\u7528\u4e0d\u826f<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 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400;\">\u5f53\u8d37\u6b3e\u4eba\u8003\u8651\u662f\u5426\u4e3a\u4f60\u63d0\u4f9b\u52a9\u5b66\u91d1\u6216\u4fe1\u7528\u5361\u65f6\uff0c\u4ed6\u4eec\u4f1a\u67e5\u770b\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002\u826f\u597d\u7684\u4fe1\u7528\u610f\u5473\u7740\u4f60\u5728\u8fc7\u53bb\u8d1f\u8d23\u4efb\u5730\u5904\u7406\u4e86\u4fe1\u7528\u3002\u8fd9\u5bf9\u8d37\u6b3e\u4eba\u6765\u8bf4\u662f\u4e00\u4e2a\u79ef\u6781\u7684\u4fe1\u53f7\uff0c\u4ed6\u4eec\u53ef\u80fd\u66f4\u613f\u610f\u6279\u51c6\u4f60\u7684\u52a9\u5b66\u91d1\uff0c\u5e76\u7ed9\u4f60\u63d0\u4f9b\u7ade\u4e89\u6027\u7684\u5229\u7387\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u53e6\u4e00\u65b9\u9762\uff0c\u4fe1\u7528\u4e0d\u826f\u53ef\u80fd\u662f\u7531\u4e8e\u4ed8\u6b3e\u5ef6\u8fdf\u6216\u52a9\u5b66\u91d1\u8fdd\u7ea6\u9020\u6210\u7684\u3002\u4fe1\u7528\u62a5\u544a\u4e0a\u7684\u8d1f\u9762\u8bb0\u5f55\u4f1a\u4f7f\u4f60\u5728\u8d37\u6b3e\u4eba\u773c\u4e2d\u770b\u8d77\u6765\u98ce\u9669\u8f83\u9ad8\uff0c\u8fd9\u4f7f\u5f97\u83b7\u5f97\u52a9\u5b66\u91d1\u7684\u8d44\u683c\u66f4\u52a0\u56f0\u96be\uff0c\u6216\u8005\u4f7f\u4f60\u627f\u62c5\u9ad8\u5229\u7387\u3002<\/span><\/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;\">\u4fe1\u7528\u5206\u6570\u662f\u4fe1\u7528\u62a5\u544a\u4fe1\u606f\u7684\u6570\u5b57\u8868\u793a\u3002\u8d37\u6b3e\u4eba\u53ef\u4ee5\u4e00\u773c\u770b\u5230\u4f60\u7684\u4fe1\u7528\u5206\u6570\uff0c\u4ee5\u8bc4\u4f30\u4f60\u4f5c\u4e3a\u501f\u6b3e\u4eba\u7684\u98ce\u9669\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6709\u51e0\u79cd\u4e0d\u540c\u7684\u4fe1\u7528\u5206\u6570\uff0c\u4f46\u4e00\u79cd\u6d41\u884c\u7684\u662fFICO\u5206\u6570\uff0c\u8303\u56f4\u4ece300\u5230850\u3002<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u7684\u5206\u6570\u5728800\u6216\u66f4\u9ad8\uff0c\u90a3\u5c31\u662f\u975e\u5e38\u597d\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u7684\u5206\u6570\u5728740\u5230799\u4e4b\u95f4\uff0c\u90a3\u5c31\u662f\u5f88\u597d\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u7684\u5206\u6570\u5728670\u5230739\u4e4b\u95f4\uff0c\u90a3\u662f\u597d\u7684\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u7684\u5206\u6570\u4f4e\u4e8e670\uff0c\u90a3\u5c31\u88ab\u8ba4\u4e3a\u662f\u516c\u5e73\uff08580-669\uff09\u6216\u5dee\uff08300-579\uff09\u7684\u4fe1\u7528\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4ee5\u4e0b\u662f\u6784\u6210\u4f60\u7684FICO\u4fe1\u7528\u5206\u6570\u7684\u56e0\u7d20\uff1a\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4ed8\u6b3e\u5386\u53f2\uff0835%\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u6b20\u6b3e\u91d1\u989d\uff0830%\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4fe1\u7528\u5386\u53f2\u957f\u5ea6\uff0815%\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4fe1\u7528\u7ec4\u5408\uff0810%\uff09<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u65b0\u7684\u4fe1\u7528\uff0810%\uff09<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4fdd\u6301\u4f60\u7684\u4fe1\u7528\u4f7f\u7528\u7387\u572830%\u4ee5\u4e0b\u4e5f\u53ef\u4ee5\u5e2e\u52a9\u4f60\u7684\u4fe1\u7528\u5206\u6570\u3002\u8fd9\u4e2a\u672f\u8bed\u6307\u7684\u662f\u4f60\u6b63\u5728\u4f7f\u7528\u7684\u4fe1\u7528\u989d\u5ea6\u4e0e\u4f60\u53ef\u7528\u7684\u989d\u5ea6\u4e4b\u95f4\u7684\u6bd4\u4f8b\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361\u7684\u9650\u989d\u662f3000\u7f8e\u5143\uff0c\u90a3\u4e48\u5728\u4f60\u7684\u8d26\u5355\u5468\u671f\u7ed3\u675f\u65f6\uff0c\u5c3d\u91cf\u4e0d\u8981\u6b20\u6b3e\u8d85\u8fc7900\u7f8e\u5143\u3002\u00a0<\/span><\/p>\n<h4><span style=\"color: #5da2d8;\"><b>\u5728\u8ba1\u5212\u7559\u5728\u7f8e\u56fd\u65f6\uff0c\u4fe1\u7528\u4e0d\u826f\u8fd8\u662f\u6ca1\u6709\u4fe1\u7528\uff0c\u54ea\u4e2a\u66f4\u597d\uff1f<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u5b9e\u9645\u4e0a\uff0c\u4e24\u8005\u90fd\u4e0d\u597d\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u524d\u6240\u8ff0\uff0c\u4fe1\u7528\u4e0d\u826f\u548c\u6ca1\u6709\u4fe1\u7528\u90fd\u53ef\u80fd\u4f7f\u4f60\u96be\u4ee5\u83b7\u5f97\u52a9\u5b66\u91d1\u6216\u4fe1\u7528\u5361\u7684\u6279\u51c6\u3002\u6b64\u5916\uff0c\u4e00\u4e9b\u623f\u4e1c\u751a\u81f3\u96c7\u4e3b\u5728\u8bc4\u4f30\u4f60\u7684\u516c\u5bd3\u6216\u5de5\u4f5c\u7533\u8bf7\u65f6\u4f1a\u67e5\u770b\u4f60\u7684\u4fe1\u7528\u5206\u6570\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e00\u822c\u6765\u8bf4\uff0c\u4fe1\u7528\u4e0d\u826f\u6bd4\u6ca1\u6709\u4fe1\u7528\u66f4\u7cdf\u7cd5\u3002\u5982\u679c\u4f60\u7684\u4fe1\u7528\u4e0d\u826f\uff0c\u90a3\u610f\u5473\u7740\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u4e0a\u6709\u8d1f\u9762\u8bb0\u5f55\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8d1f\u9762\u8bb0\u5f55\u53ef\u80fd\u4f1a\u62d6\u7d2f\u4f60\u7684\u62a5\u544a\u6570\u5e74\u3002\u4f8b\u5982\uff0c\u903e\u671f\u6216\u672a\u4ed8\u6b3e\u7684\u8bb0\u5f55\u4f1a\u5728\u4f60\u7684\u62a5\u544a\u4e0a\u505c\u7559\u4e03\u5e74\u3002\u8bdd\u867d\u5982\u6b64\uff0c\u8fd9\u4e9b\u8d1f\u9762\u8bb0\u5f55\u7684\u5f71\u54cd\u4f1a\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u800c\u51cf\u8f7b\u3002\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u6ca1\u6709\u4fe1\u7528\uff0c\u53e6\u4e00\u65b9\u9762\uff0c\u4f60\u53ef\u4ee5\u4ece\u96f6\u5f00\u59cb\u3002\u7531\u4e8e\u4f60\u6ca1\u6709\u4efb\u4f55\u903e\u671f\u62d6\u7d2f\u4f60\u7684\u5206\u6570\uff0c\u56e0\u6b64\u63d0\u9ad8\u4f60\u7684\u4fe1\u7528\u53ef\u80fd\u4e0d\u4f1a\u82b1\u8d39\u592a\u957f\u65f6\u95f4\u3002\u00a0<\/span><\/p>\n<h4><span style=\"color: #5da2d8;\"><b>\u5982\u4f55\u4ece\u96f6\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\uff1f<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u8981\u5efa\u7acb\u4fe1\u7528\uff0c\u60a8\u9996\u5148\u9700\u8981\u6709\u4fe1\u7528\u3002\u8fd9\u53ef\u80fd\u610f\u5473\u7740\u5f00\u8bbe\u4fe1\u7528\u5361\u6216\u7533\u8bf7\u52a9\u5b66\u91d1\u3002\u4e00\u65e6\u60a8\u5f00\u8bbe\u4e86\u52a9\u5b66\u91d1\u6216\u4fe1\u7528\u989d\u5ea6\uff0c\u8bf7\u786e\u4fdd\u5168\u989d\u5e76\u6309\u65f6\u507f\u8fd8\u3002\u60a8\u53ef\u4ee5\u901a\u8fc7\u6309\u65f6\u507f\u8fd8\u52a9\u5b66\u91d1\u548c\u4fe1\u7528\u5361\u7684\u6b3e\u9879\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8d1f\u8d23\u4efb\u5730\u4f7f\u7528\u4fe1\u7528\u5361<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u4fe1\u7528\u5361\u5bf9\u975e\u5c45\u6c11\u5916\u56fd\u4eba\u5f00\u653e\u3002\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u6709\u8d44\u683c\u7533\u8bf7\u4fe1\u7528\u5361\uff0c\u8bf7\u7533\u8bf7\u3002\u4ece\u90a3\u91cc\u5f00\u59cb\uff0c\u60a8\u53ef\u4ee5\u4f7f\u7528\u4fe1\u7528\u5361\u652f\u4ed8\u8d26\u5355\u6216\u8ba2\u9605\u8d39\u7528\uff0c\u5f53\u7136\u8fd8\u53ef\u4ee5\u8d2d\u4e70\u65e5\u5e38\u7269\u54c1\uff0c\u5982\u98df\u7269\u3001\u8863\u7269\u7b49\u3002\u4e00\u5b9a\u8981\u8bb0\u4f4f\u6309\u65f6\u5168\u989d\u652f\u4ed8\u4fe1\u7528\u5361\u8d26\u5355\uff0c\u8fd9\u53ef\u4ee5\u5e2e\u52a9\u8bc1\u660e\u60a8\u662f\u4e00\u4e2a\u53ef\u9760\u7684\u501f\u6b3e\u4eba\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u7533\u8bf7\u52a9\u5b66\u91d1<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u975e\u5c45\u6c11\u5916\u56fd\u4eba\u6709\u65f6\u53ef\u80fd\u5728\u83b7\u5f97<a href=\"https:\/\/mpowerfinancing.com\/\">\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1<\/a>\u65b9\u9762\u9047\u5230\u56f0\u96be\uff0c\u5982\u679c\u4ed6\u4eec\u6ca1\u6709\u7f8e\u56fd\u4fe1\u7528\u8bc4\u5206\uff0c\u90a3\u5c31\u66f4\u96be\u4e86\u3002\u7136\u800c\uff0c<\/span><a href=\"https:\/\/www.nerdwallet.com\/best\/loans\/student-loans\/international-student-loans\"><span style=\"font-weight: 400;\">\u4e00\u4e9b\u516c\u53f8\u786e\u5b9e\u63d0\u4f9b\u65e0\u9700\u4fe1\u7528\u7684\u56fd\u9645\u52a9\u5b66\u91d1<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u4e8b\u5b9e\u4e0a\uff0c<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/get-a-loan\"><span style=\"font-weight: 400;\">MPOWER Financing<\/span><\/a><span style=\"font-weight: 400;\">\u4e5f\u63d0\u4f9b\u65e0\u9700\u62c5\u4fdd\u4eba\u7684\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 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400;\">\u603b\u7684\u6765\u8bf4\uff0c\u6ca1\u6709\u4fe1\u7528\u5e76\u4e0d\u7b49\u540c\u4e8e\u6709\u574f\u4fe1\u7528\uff0c\u4f46\u4e24\u8005\u90fd\u4e0d\u597d\u3002\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\uff0c\u5f53\u4f60\u521a\u5230\u7f8e\u56fd\u65f6\uff0c\u4e0d\u8981\u62c5\u5fc3\u6ca1\u6709\u4fe1\u7528\u3002\u5f00\u59cb\u5efa\u7acb\u60a8\u7684\u4fe1\u7528\u5386\u53f2\uff0c\u5e76\u8c28\u614e\u7ba1\u7406\u5b83\uff0c\u8fd9\u6837\u60a8\u5c31\u53ef\u4ee5\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u83b7\u5f97\u4f18\u79c0\u7684\u4fe1\u7528\u8bc4\u5206\u3002<\/span><\/p>\n<hr style=\"margin-bottom: 10px; margin-top: 20px;\" \/>\n<h4><\/h4>\n<h4 style=\"margin-bottom: 10px; margin-top: 10px;\">\u5e38\u89c1\u95ee\u9898<\/h4>\n<h5><span style=\"font-weight: 400;\">\u5982\u679c\u4f60\u6ca1\u6709\u4fe1\u7528\uff0c\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\u662f\u591a\u5c11\uff1f<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">\u65e0\u4fe1\u7528\u8bb0\u5f55\u610f\u5473\u7740\u60a8\u6ca1\u6709\u4efb\u4f55\u4fe1\u7528\u6d3b\u52a8\uff0c\u4fe1\u7528\u5c40\u53ef\u4ee5\u4f7f\u7528\u8fd9\u4e9b\u6d3b\u52a8\u4e3a\u60a8\u751f\u6210\u4fe1\u7528\u8bc4\u5206\u3002\u5728FICO\u8bc4\u5206\u8303\u56f4\u5185\uff0c\u4fe1\u7528\u8bc4\u5206\u4ece300\u5230850\u3002<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">\u4fe1\u7528\u4e0d\u826f\u548c\u65e0\u4fe1\u7528\u54ea\u4e2a\u66f4\u7cdf\u7cd5\uff1f<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">\u4fe1\u7528\u4e0d\u826f\u548c\u65e0\u4fe1\u7528\u90fd\u53ef\u80fd\u4f7f\u60a8\u96be\u4ee5\u83b7\u5f97\u4fe1\u7528\u5361\uff0c\u8d37\u6b3e\uff0c\u751a\u81f3\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u96be\u4ee5\u79df\u4f4f\u516c\u5bd3\u3002\u7136\u800c\uff0c\u91cd\u5efa\u4e0d\u826f\u4fe1\u7528\u6bd4\u4ece\u96f6\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\u66f4\u56f0\u96be\uff0c\u56e0\u4e3a\u4e00\u4e9b\u8d1f\u9762\u8bb0\u5f55\u4f1a\u5728\u60a8\u7684\u4fe1\u7528\u62a5\u544a\u4e2d\u4fdd\u7559\u4e03\u5e74\u6216\u66f4\u957f\u65f6\u95f4\u3002\u56e0\u6b64\uff0c\u65e0\u4fe1\u7528\u6bd4\u4fe1\u7528\u4e0d\u826f\u66f4\u597d\uff0c\u56e0\u4e3a\u60a8\u53ef\u80fd\u80fd\u5728\u8f83\u77ed\u7684\u65f6\u95f4\u5185\u663e\u8457\u63d0\u9ad8\u60a8\u7684\u4fe1\u7528\u3002<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">\u6211\u5982\u4f55\u5728\u6ca1\u6709\u4fe1\u7528\u5386\u53f2\u7684\u60c5\u51b5\u4e0b\u5efa\u7acb\u4fe1\u7528\uff1f<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u6ca1\u6709\u4fe1\u7528\u5386\u53f2\uff0c\u60a8\u53ef\u4ee5\u901a\u8fc7\u7533\u8bf7\u4e00\u5f20\u62c5\u4fdd\u4fe1\u7528\u5361\uff0c\u7533\u8bf7\u4e00\u5f20\u65e0\u62c5\u4fdd\u4fe1\u7528\u5361\uff0c\u6216\u901a\u8fc7\u52a9\u5b66\u91d1\u6765\u8d44\u52a9\u60a8\u7684\u5b66\u8d39\u6765\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528\u3002\u6309\u65f6\u507f\u8fd8\u503a\u52a1\u5c06\u6709\u52a9\u4e8e\u5efa\u7acb\u60a8\u7684\u4fe1\u7528\uff0c\u53ea\u8981\u60a8\u7684\u8d37\u6b3e\u4eba\u5c06\u8fd9\u4e9b\u4ed8\u6b3e\u62a5\u544a\u7ed9\u4fe1\u7528\u5c40\u3002\u60a8\u8fd8\u53ef\u4ee5\u63a2\u7d22\u8bf8\u5982Rental Kharma\uff0cRent Reporters\u548cPi\u00f1ata\u7b49\u670d\u52a1\uff0c\u8fd9\u4e9b\u670d\u52a1\u5c06\u79df\u91d1\u4ed8\u6b3e\u62a5\u544a\u7ed9\u4fe1\u7528\u5c40\uff0c\u4ee5\u5e2e\u52a9\u60a8\u5efa\u7acb\u4fe1\u7528\u3002<\/span><\/p>\n<hr style=\"margin-bottom: 10px; margin-top: 20px;\" \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u65e0\u4fe1\u7528\u2260 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