Dhibcahaaga credit waxay si toos ah u saameeyaan dhinacyo badan oo wanaagga dhaqaale ah. Si kastaba ha ahaatee, ma ogtahay in ay jiraan aaladaha hubinta dhibcaha credit ee bilaashka ah oo kaa caawin kara inaad la socoto dhibcahaaga credit? 

Boostada waxay kaa caawin doontaa inaad sawirto caafimaadkaaga maaliyadeed ee hadda adigoo taxaya aaladaha ugu caansan si aad u hubiso dhibcaha deynta bilaashka ah. Waxa kale oo ay ka hadli doontaa waxa ay tahay buundada buundada iyo sida ay dhawr hay'adood u qiimeeyaan buundadaada. 

Waa maxay buundada credit?^{(What’s a Credit Score?)}

Dhibcaha daynta sida caadiga ah waa lambar 300 iyo 850 oo deyman bixiyayaasha iyo hay'adaha kale ee maaliyadeed ay isticmaalaan si ay u go'aamiyaan caafimaadka dhaqaalahaaga. 

Dhibcahaan waxaa lagu xisaabiyaa arrimo kala duwan, sida:

• Taariikhda lacag bixinta
• Kaararka deynta ee aad leedahay
• Weydiimahaaga credit
• Isticmaalka credit
• Dhererka taariikhda deyntaada

Dhibcahaaga credit waxaa sidoo kale laga yaabaa inay isticmaalaan mulkiilayaasha, loo shaqeeyayaasha, iyo shirkadaha caymiska si ay u go'aamiyaan sida ay kula macaamilayaan. 

Marka ay sare u kacdo dhibcaha dhibcaha , waxay u badan tahay in hay'adahani ay ansixin doonaan deyntaada, amaahda amaahda, iyo macaamilada lacageed ee kale. Si kastaba ha ahaatee, dhibcaha hoose waxay ka dhigi doontaa inay yareyso deyntaada in la oggolaado ama aad bixiso wax ka badan oo dulsaar ah. 

Dhibcaha Dhibcaha ee FICO vs^{(FICO vs. Non FICO Credit Score)}

Dhibcaha Fair Isaac Corporation ( FICO ) waa waxa ay bixiyeyaasha badankoodu isticmaalaan si ay u go'aamiyaan haddii aad tahay khatar credit iyo in kale. Saddexda xaruumood ee amaahda ee waaweyn, kuwaas oo kala ah Equifax , Experian , iyo TransUnion , waxay isticmaalaan buundooyinka FICO iyadoo lagu saleynayo taariikhda deyntaada. 

Taas bedelkeeda, dhibcaha FICO ma isticmaalaan xisaabaadka la mid ah kuwa amaahiyeyaasha sare. Sidan oo kale, labada buundo inta badan isma dhigmaan oo waxay xitaa yeelan karaan farqi dhibco ah 100 ama ka badan xaaladaha qaarkood. Iyadoo ay taasi dhici karto inay taasi dhacdo, ogaanshaha dhibcaha deymaha ayaa wali ku siin kara fikrad ah halka uu taagan yahay caafimaadkaaga maaliyadeed^{(financial health)} . 

VantageScore waa mid ka mid ah nidaamyada dhibcaha FICO ee ugu caansan. ^(FICO)VantageScore 3.0 iyo 4.0 ee dhawaa waxay qaateen isla cabirka 300-850 ee FICO isticmaashay . 

Tixraac ahaan, dhibcaha FICO ee wanaagsan waa wax kasta oo ka sarreeya 670. Dhanka kale, haddii aad isticmaalayso miisaanka FICO -da, dhibcaha 700 iyo wixii ka sareeya ayaa loo arkaa credit wanaagsan.  

Hababka ugu Wanaagsan ee lagu hubiyo Dhibcaha Lacag-La'aanta^{(Best Platforms to Check Credit Score for Free)}

1. Credit Karma

Iska diiwaan gelinta akoon bilaasha ah ee Credit Karma waxay qaadataa dhowr tillaabo, oo ay ku jirto xaqiijinta aqoonsigaaga si loo arko macluumaadkaaga. 

Credit Karma waxay ku tusinaysaa laba dhibcood. Mid waxay ku saleysan tahay warbixintaada Equifax , midda kalena waxay ku saleysan tahay warbixintaada TransUnion . Labada dhibcuhu wax yar bay kala duwan yihiin iyadoo ku xidhan hadba inta jeer ee xafiis kastaaba u cusboonaysiiyo akoonkaaga. 

Waxa ugu fiican ee ku saabsan Credit Karma waa inay haystaan ​​Simulator Dhibcaha Dhibcaha^{(Credit Score Simulator)} . Waxaad isticmaali kartaa qalabkan si aad u heshid horudhac ku saabsan sida credit-kaagu isu bedeli doono haddii aad hesho amaah cusub, aad furto credit cusub, ama samayso ficillo kale oo la mid ah. 

2. Sisin credit^{(Credit Sesame)(Credit Sesame)}

Abuuritaanka akoon ee goobtan waxay aad ula mid tahay Karmada Credit^{(Credit Karma)} . Si kastaba ha ahaatee, Sisinta Credit^{(Credit Sesame)} waxay kaliya siinaysaa warbixintaada TransUnion. Inkastoo sifadan, boggoodu wali waxa uu bixiyaa macluumaad qiimo leh oo ku saabsan buundada creditka. Waxa kale oo ay leedahay astaamo faa'iido leh sida qalabka falanqaynta deynta iyo la socodka deynta. 

Sisinta^(Sesame) Credit waxay leedahay akoon lacag bixin ah oo ay ku siinayso xoogaa dhiirigelin ah markaad kordhiso dhibcaha dhibcaha. Madalku waxa kale oo ay ku siinaysaa talooyin ku saabsan sida aad u wanaajin karto dhibcaha dhibcahaaga. 

Intaa waxaa dheer, Sisinta Credit^{(Credit Sesame)} waxay qiimeyneysaa ficilladii hore waxayna kuu sheegaysaa sida ay u saameeyeen dhibcahaaga. Mid ka mid ah dhinaca hoose ee Sisinta Credit^{(Credit Sesame)} waa inay cusboonaysiiyaan dhibcahaaga deynta bil kasta oo keliya, halka qaybo kale ay sameeyaan toddobaad gudihiis. 

3. CreditWise

CreditWise by CapitalOne ayaa bixisa VantageScore 3 ee TransUnion. Si kastaba ha ahaatee, wax qiimeyn ah kama bixiyaan Equifax . Madalku waxa ay cusboonaysiisaa dhibcaha dhibcaha todobadii maalmoodba mar oo waxa ay leedahay simulator credit sida Credit Karma . 

Waxa ugu fiican ee ku saabsan adeegan ayaa ah in aanay kor u qaadin wax kaararka deynta ah^{(credit cards)} ee hore u-qalma ama heerka caymiska. Sidoo kale uma baahnid inaad haysato kaarka deynta CapitalOne ama akoon bangi si aad u isticmaasho goobta. 

Intaa waxaa dheer, CreditWise waxay ku siinaysaa qaar ka mid ah talooyinka hagaajinta amaahda ee waxtarka leh, kuwaas oo faa'iido leh haddii aad hadda bilowday credit. Hoos-u-dhaca ugu weyn ee adeeggooda, si kastaba ha ahaatee, waa inaad heshid aragti qayb ahaan wadarta guud ee xogtaada oo ku salaysan warbixinta TransUnion . 

4. Khabiir^{(Experian)(Experian)}

Experian waa mid ka mid ah abka^(apps) yar ee kuu ogolaanaya inaad gasho dhibcahaaga FICO lacag la'aan. Waxay cusboonaysiiyaan dhibcahaaga bil kasta ama mar kasta oo isbeddel weyni ku yimaado dhibcaha deyntaada.

App-ku waxa kale oo uu leeyahay sifada Kobcinta Khabiiradda^(Boost) , kaas oo kuu ogolaanaya inaad hesho dhibco wanaagsan haddii aad haysato biilasha tamarta taagan iyo kirada wakhtiga ku habboon. Experian waxa uu leeyahay ogaysiisyo la socodka amaahda oo heersare ah oo la mid ah kuwa ay xafiiltamaan. 

Faa'iidada ugu weyn ee Experian waa inay bixiyaan wax ka badan hal dhibic FICO . Waxay daboolaan buundooyinka bangiyada kala duwan, buundooyinka auto, iyo in ka badan. Waxaad ka xarayn kartaa muran ku saabsan walxaha taban warbixintaada adiga oo isticmaalaya abka. Si kastaba ha ahaatee, Experian waxaa loo yaqaanaa inay si xad dhaaf ah u xayeysiiso adeegyadeeda qaaliga ah. 

5. Safarka Credit Chase's^{(Chase’s Credit Journey)(Chase’s Credit Journey)}

Qalabkan raadraaca amaahda ee bilaashka ah waxaa lagu geli karaa iyadoo la isticmaalayo koontadaada Chase . Socdaalka Credit^{(Credit Journey)} wuxuu cusboonaysiiyaa buundooyinkaaga buundada toddobaad kasta wuxuuna leeyahay astaamo faa'iido leh si ay kaaga caawiyaan inaad fahamto sida kharashkaagu u saameeyo dhibcahaaga guud. 

Dhibcuhu waxay ku salaysan yihiin qaabka VantageScore 3.0 , kaas oo shirkado badan oo caymis ah iyo bangiyada isticmaalaan. Faa'iidada ugu muhiimsan ee Socdaalka Credit waa in ay horay ugu sii qalmi karto dalabyada Chase . Sidaa darteed^(Hence) , waxaad heli kartaa abaalmarino waaweyn waqti ka dib, laakiin kuwan ayaa weli ku xiran oggolaansho. 

Faa'iidada kale ee qalabkani waa awoodda ay u leedahay in ay ku kaydiso dhammaan xogta maaliyadeed^{(financial data)} hal meel oo keliya. Si kastaba ha ahaatee, si la mid ah Experian, dhibaatada kaliya ee ugu weyn ee isticmaalka qalabkan ayaa ka helaysa dalabyo badan oo credit Chase .

6. Soo saar dhibcaha dhibcaha^{(Discover Scorecard)(Discover Scorecard)}

 Xitaa haddii aadan bangiga ku bixin Discover , waxaad weli isticmaali kartaa adeeggan si aad u hubiso dhibcahaaga deynta. Kaliya waa inaad iska diiwaan gelisaa akoon bilaash ah oo aad bixisa macluumaadka lagama maarmaanka ah si loo xaqiijiyo aqoonsigaaga. Marka koontadaada la ogolaado, waxaad arki kartaa dhibcahaaga FICO iyadoo lagu salaynayo warbixintaada credit ee khabiirka ayaa diyaar ah. 

Madalku wuxuu kuu ogolaanayaa inaad aragto wadarta guud ee xisaabaadkaaga, dhererka taariikhda deyntaada, iyo tirada weydiimaha aad hadda hayso. Waxa kale oo ay muujinaysaa lacagihii aad seegtay iyo ka faa'iidaysiga soo noqnoqda.

Si ka duwan mareegaha dhibcaha FICO ee bilaashka ah, Discover kuguma cadaadinayso inaad iska diiwaangeliso alaabooyinka la bixiyo. 

7. Bixiyaha kaadhka deynta^{(7. Your Credit Card Issuer)}

Shirkadda bixisay kaarka deynta ayaa kuu oggolaanaysa inaad aragto dhibcahaaga deynta ee FICO . Haddii aad rabto inaad hubiso dhibcaha deynta, waxaad geli kartaa akoonkaaga onlaynka ah ama waxaad wacdaa lambarka bilaashka ah ee ku yaal dhabarka kaarka deynta. 

Qaar ka mid ah shirkadaha kaararka deynta ayaa^{(credit card companies)} sidoo kale ku tusi dhibcahaaga deynta bayaanka warqadda ay soo diraan bil kasta.

Waa maxay dhibcahaagu? ^{(What’s Your Score? )}

Kuwaani waa dhowr siyaabood oo lagu hubin karo dhibcaha buundooyinka bilaashka ah ama kharash yar. Qalabyada kale ee suuqa ku jira ayaa bixiya adeeg isku mid ah, in kasta oo aan sida ugu waxtarka lahayn ama si habsami leh loogu qeexin kuwa liiskan ku jira. 

Haddii aad rabto in aad caafimaadkaaga ilaaliso, hubi inaad hubiso dhibcahaaga deynta ka hor inta aanad samaynin go'aamo maaliyadeed oo waaweyn. 

7 Ways to View & Monitor Your Credit Score Online for Free

Your credit score direсtly affects many facetѕ of your financial well-being. However, did yоu knоw that there are free credit score cheсk tools online that can help you monitor уour crеdit score? 

This post will help you visualize your current financial health by listing the most popular platforms to check your credit score for free. It will also discuss what a credit score is and how several institutions rate your credit. 

What’s a Credit Score?

A credit score is usually a number 300 and 850 that creditors and other financial institutions use to determine the health of your finances. 

This score is calculated using different factors, such as:

• Payment history
• The credit cards you own
• Your credit inquiries
• Credit usage
• The length of your credit history

Your credit score may also be used by landlords, employers, and insurance companies to determine how they transact with you. 

The higher your credit score, the more likely these institutions will approve your loan, mortgage, and other monetary transactions. However, a lower score will make it less likely for your loans to be approved or have you pay more in interest. 

FICO vs. Non FICO Credit Score

A Fair Isaac Corporation (FICO) score is what most lenders use to determine whether you’re a credit risk or not. The three major credit bureaus, namely Equifax, Experian, and TransUnion, use FICO scores based on your credit history. 

In contrast, a non-FICO score doesn’t use the same calculations as the top lenders. As such, the two scores often don’t match and could even have a score difference of 100 or more in some cases. While that may be the case, knowing your credit score can still give you an idea of where your financial health stands. 

VantageScore is one of the most popular non-FICO scoring systems. Their recent VantageScore 3.0 and 4.0 have adopted the same 300- 850 scale used by FICO. 

For reference, a good FICO score is anything above 670. Meanwhile, if you are using the non-FICO scale, a score of 700 and above is considered good credit.  

Best Platforms to Check Credit Score for Free

1. Credit Karma

Signing up for a free account on Credit Karma takes a few steps, including verifying your identity to see your information. 

Credit Karma shows you two scores. One is based on your Equifax report, and the other is based on your TransUnion report. The two scores are slightly different depending on how often each bureau updates your account. 

The best thing about Credit Karma is that they have a Credit Score Simulator. You can use this tool to get a preview of how your credit would change if you get a new loan, open new credit, or do other similar actions. 

2. Credit Sesame

Creating an account on this platform is very similar to Credit Karma. However, Credit Sesame only gives your TransUnion report. Despite this feature, their site still offers valuable information about your credit score. It also has useful features such as a debt analysis tool and credit monitoring. 

Credit Sesame has a debit account wherein they offer a bit of incentive when you increase your credit score. The platform also provides suggestions on how you can improve your credit score. 

Furthermore, Credit Sesame grades your past actions and tells you how they affected your score. One downside of Credit Sesame is that they update your credit score only every month, whereas some other platforms do it in a week. 

3. CreditWise

CreditWise by CapitalOne provides a VantageScore 3 by TransUnion. However, they don’t offer any rating from Equifax. The platform updates your credit score every seven days and has a credit simulator much like Credit Karma. 

The best thing about this service is that they don’t promote any pre-qualified credit cards or insurance rates. You also don’t need to have a CapitalOne credit card or bank account to use the platform. 

Moreover, CreditWise provides some helpful credit improvement suggestions, which are beneficial if you’ve just started a credit. The main downside of their service, though, is you only get a partial glimpse of your total credit profile based on the TransUnion report. 

4. Experian

Experian is one of the few apps that let you get access to your FICO score for free. They update your score monthly or whenever there’s a significant change to your credit score.

The app also has the Experian Boost feature, which allows you to gain good credit if you have good standing utility bills and on-time rent. Experian has excellent credit monitoring notifications similar to its main rivals. 

The main advantage of Experian is they provide more than just one FICO score. They cover different bank scores, auto scores, and more. You can file a dispute on negative items on your report using the app. However, Experian is known to over-promote its premium services to its users. 

5. Chase’s Credit Journey

This free credit tracking tool can be accessed using your Chase account. Credit Journey updates your credit score every week and has useful features to help you understand how your spending affects your overall score. 

The score is based on the VantageScore 3.0 model, which many insurance companies and banks use. Credit Journey’s most significant advantage is that it can pre-qualify for offers from Chase. Hence, you can get bigger rewards over time, but these are still subject to approval. 

Another advantage of this tool is its ability to store all financial data in just one place. However, much like Experian, the only main con with using this tool is receiving many credit offers from Chase.

6. Discover Scorecard

 Even if you don’t bank with Discover, you can still use this service to check your credit score. You just have to sign up for a free account and provide the necessary information to verify your identity. Once your account is approved, you can see your FICO score based on your Experian credit report will be available. 

The platform lets you see your total number of accounts, the length of your credit history, and the number of inquiries you currently have. It also shows your missed payments and revolving utilization.

Unlike other free FICO score websites, Discover doesn’t pressure you to sign up for paid products. 

7. Your Credit Card Issuer

The company that issued your credit card allows you to see your FICO credit score. If you want to check your credit score, you can log in to your online account or call the toll-free number that’s on the back of your credit card. 

Some credit card companies also show your credit score on the paper statement they send each month.

What’s Your Score? 

These are just a few ways to check credit scores for free or with a minimal fee. Other tools on the market offer the same service, albeit not as effective or neatly outlined as those on this list. 

If you want to keep your finances healthy, make sure to check your credit score before making huge financial decisions. 

Related posts

• Sida Loo Dhageysto Idaacadaha Onlineka ah Lacag La'aan

• 10ka Goobood ee ugu Wanaagsan ee lagu daawado Kartoonka Online ee bilaashka ah

• 6 Goobaha Lagu Ciyaaro Ciyaaraha Retro Online Lacag La'aan

• 8-da Goobood ee ugu Wanaagsan ee loogu akhriyo Manga Online lacag la'aan

• 16ka Goobood ee ugu Wanaagsan ee laga Helo Buugaagta Maqalka ee Bilaashka ah ee Online

• 10 ka goobood si aad dadka onlaynka ah uga hesho

• Iska yaree, wax ka beddel ama isku qas Muusiga iyo Heesaha Onlineka ah ee bilaashka ah

• 10 Ilaha Waxbarasho ee Qalab Waxbarasho oo bilaash ah oo PDF ah

• 7 Goobo Sawir oo Cajiib ah oo Lacag la'aan ah

• 6-da Goobood ee ugu Wanaagsan ee lagu Ciyaaro Scattergories Online

• 5 Websaydh ee ugu Wanaagsan ee Daawashada Filimada Bilaashka ah iyo kuwa Sharciga ah

• Sida Looga Qoro Naftaada Online Adigoo Adeegsanaya Kaamirada Shabkada

• 5-ta Goobood ee ugu Wanaagsan ee laga Helo Macallin Online ah oo loogu talagalay dadka waaweyn iyo carruurta

• Sida Loo Helo Duulimaadyo jaban oo Online ah oo loo garaaco Diyaaradaha

• 10ka Shabakadood ee ugu Wanaagsan Soo Dejinta Codka Bilaashka ah

• 7-da Goobood ee Solitaire ee Tooska ah ee ugu Fiican ee aad Ciyaarto Marka aad caajisto

• Sida Loo Helo Hishiisyada Ugu Wanaagsan ee Online-ka ah oo loo Badbaadiyo Lacagta Markaad wax iibsaneyso

• 5-ta Ilaha ee Ugu Wanaagsan ee Lagu Iibsado Buugaag La Adeegsaday

• 6-da Shabakadood ee ugu Wanaagsan ee lagu Ciyaaro Chess Online-ka saaxiibadaa bilaasha ah

• 10ka Goobood ee ugu Wanaagsan ee Lagu Daabici karo Sawirada Dijital ah ee Online