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class="news_art_txt"> <div class="txt_til clearfix"> <h3>美国投资移民 日常信用积累很重要</h3> <span class="time fl">更新时间：2016-11-15</span><div class="label fl">标签：<a href='/plus/search.php?q=美国移民'>美国移民</a><a href='/plus/search.php?q=投资移民'>投资移民</a><a href='/plus/search.php?q=投资移民美国'>投资移民美国</a></div><span class="liul fr">浏览：<script src="http://sz.zlglobal.net/plus/count.php?view=yes&aid=6048&mid=2" type='text/javascript' language='javascript'></script></span> </div> <p style="text-align: center;"> <img alt="美国移民,投资移民美国,移民中介公司,投资移民,移民公司" src="/uploads/allimg/161115/2-1611151A24a40.jpg" style="width: 500px; height: 333px;" /></p> <p> 美国是一个十分重视信用的国家，在美国，如果投资人信用记录良好，将会对未来的日常生活非常有利。那么美国的信用分数都是如何计算的?兆龙<a href="http://sz.zlglobal.net/#"><strong><a href='http://sz.zlglobal.net' target='_blank'><u>移民公司</u></a></strong></a>就带<a href="http://sz.zlglobal.net/usa/news/"><strong>美国移民</strong></a>申请人一起简单来了解一下。</p> <p> 目前，美国90%的贷款机构使用的都是FICO信用评分体系，FICO的信用评分一般在300到850分之间，FICO的评分由五个部分构成：</p> <p> 一、支付记录，占35%。反映的是以前所借款项有没有及时还上。</p> <p> 二、欠款金额，占30%。一般来说是看你欠款的金额与信用金额的比例。</p> <p> 三、信用记录时间长短，占15%。信用记录时间越长，信用分数越高。FICO在计算分数时，会考虑你使用时间最长的信用卡、使用时间最短的信用卡，然后考虑平均使用时间。</p> <p> 四、你所使用信用的类型，占10%。你的信用卡、小额贷款、分期会款、金融帐户、按揭贷款都在考虑之列。</p> <p> 五、新卡申请，占10%。根据研究，如果在短时间开启多个信用帐户，风险是非常高的，在信用记录很短的情况下尤为如此。如果短时间申请信用卡数量太多，会对FICO信用分数产生负面影响。</p> <p> 拥有一份良好的信用记录也许暂时看不到带来的便利，但如果你要买卖房屋、买车、贷款，及参与其他金融、信贷等交易，就会发现信用记录的重要性。</p> <p> 了解了以上信息，兆龙<a href="http://sz.zlglobal.net/#"><strong><a href='http://sz.zlglobal.net/about/' target='_blank'><u>移民中介公司</u></a></strong></a>专家提醒<a href="http://sz.zlglobal.net/usa/news/"><strong>投资移民</strong></a>申请人，美国人的信用制度不像中国人习惯中简单的“欠债还钱”，美国对于信用制度有着非常严格的规定与计算公式，对于选择<a href="http://sz.zlglobal.net/usa/"><strong>投资移民美国</strong></a>的人来说，尽快建立良好的信用记录，重视平常的信用积累。</p> </div> <div class="news_art_gn"> <div class="art_1 clearfix"> <span>原文链接：http://sz.zlglobal.net/news/usa/2016116048.html</span><a href="javascript:void(0);" class="dzq" onclick="javascript:postDigg('good',6048)" id="newdigg"><span class="digg_num">(0)</span></a> <script language="javascript" type="text/javascript">getDigg(6048);</script> <div class="clear"></div> <p>版权声明：本文由兆龙移民独家精选，未经授权，禁止一切同行与媒体转载。欢迎个人转发分享至朋友圈。</p> </div> <a href="http://sz.zlglobal.net/usa/news/20190611227.html"><img src="/images/v2/guanggao.jpg"/></a> </div> <!--相关文章--> <div class="news_art_xg"> <div class="rmgjc_til"><em></em><span>相关移民文章</span></div> <ul> <li class="clearfix"> <a href="http://sz.zlglobal.net/news/usa/20190611278.html" target="_blank" title="移民美国定居适合儿童居住的10个城镇分别是哪些？"> <div class="xgwz_img fl"><img src="http://sz.zlglobal.net/uploads/allimg/190626/1-1Z626101011604-lp.jpg" width="220" height="119"/></div> <div class="xgwz_cont fl"> <h3>移民美国定居适合儿童居住的10个城镇分别是哪</h3> <span>更新时间：2019-06-26</span> </div> </a> </li> <li class="clearfix"> <a href="http://sz.zlglobal.net/news/usa/20190611277.html" target="_blank" title="移民美国去西雅图生活定居方便吗？"> <div class="xgwz_img fl"><img 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