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源：未央网 微信公众号：互联网金融（ID：iefinance） 如果你财务行为负责、运用信用得当，那么你的信用评分应该不错。信用评分高能带来很多好处，比如说低利率借贷、高额度信用卡。想做什么的时候都可以借到钱。 If you have a good or excellent credit score, it’s likely the result of years of responsible financial behavior and smart credit usage. There are tremendous advantages to having a high score, such as qualifying for the lowest interest rates and the best credit cards. You also have the ability to borrow money for practically whatever you need. 不过良好的信用还需要全面、健康的财务状况来维持。要实现这一点，这里有七则箴言相送。 When you have good credit, it’s very important to your overall financial health to protect it. Here are seven things you should be doing to make sure your great credit score stays that way. 1.必要时才去申请新的信贷 1. Only apply for new credit when you need it 申请新的信贷会对两项FICO评分产生不利影响。在信用评分中，10%由“新信贷”构成，这一条考量的是借出人调查你信用状况的次数以及你有多少个新账户。 Applying for new credit affects two of the FICO score categories in a negative way. Ten percent of your score is made up of “new credit,” which takes into account the number of times your credit was checked by lenders (inquiries), as well as how many of your accounts are new. 另外15%的的评分由你的信贷历史构成。这一条考量的是你信贷账户的平均年龄以及新增账户后信贷评分的平均下降值。 Another 15% of your score is made up of the length of your credit history. Among other things, this category takes into account the average age of your credit accounts, and the average drops when you add a new account into the mix. 2.勿做借贷连署人 2. Don’t be a cosigner 给别人做连署人要非常慎重，哪怕是你的配偶或者子女。如果他们没能及时偿还或者无法偿还贷款，那么相应记录就会出现在你的信用报告里、危害到你的信用评分。 Be very careful about cosigning a loan for someone else, even your spouse or kids. If they miss a payment or can no longer pay, it will show up on your credit report and can devastate your credit score. 一般来说，除非你乐意也有能力在出现“万一”时亲自偿还，不要给任何人做连署人。 As a general rule of thumb, don’t cosign anything for anyone unless you are willing and able to take on the payment yourself if you have to. 3.详尽记录你的信息 3. Keep a list of your information 假使皮夹遗失或者失窃了，而你的信用卡全部都在里头，你该怎么办？当然，你可以查看所有的在线账户、找寻信用卡信息，但这颇费时间，而且不少网站不会显示你的实际卡号。 What would you do if your wallet got lost or stolen with all of your credit cards? Sure, you can try to look up all of your accounts online and find the contact information, but it may take a while, and many sites won’t display your actual card number. 一般来说，平时就记下所有信用卡的号码、过期日期以及联系电话比较好。这样，万一信用卡遗失或者失窃了，你就能以最快速度取消账户。切记把记录下来的信用卡信息存放在安全的地方。 It’s usually a good idea to keep a paper list of all of your card numbers, expiration dates, and contact phone numbers available. This way, if your cards are lost or stolen, you can cancel the accounts as quickly as possible. Just remember to keep the list in a safe place. 4.不妨保留你的“入门级”信用卡 4. Maybe you should keep your “starter cards” open 通常来说，“入门级”信用卡或者说面向尚无信用历史者的卡，都背负着相对较高的利率和费用，其额度又小，几乎不能带来什么回报。累积了一定信用后，人们一般都想把它注销了。 Generally, “starter cards,” or cards designed for people without a credit history, come with relatively high interest rates and fees, low limits, and don’t offer much in the way of rewards. When your credit is built up, it can be very tempting to close them. 不过更好的做法可能是留着它们但不去用它们。如前所述，15%的信用评分来自于信用历史，所以保留最早的账户能帮助你得分。 However, it may be a better idea to keep them open and simply not use them. I already mentioned that 15% of your score comes from the length of your credit history, so by keeping your oldest account open, you’ll help this part of your score. 还有，信用卡负债与可用信用总值是信用评分中的重量级考察内容。关闭一个账户，就等于减少了自己的可用信用总值、推升了信用使用率，从而导致降分。 Also, a big part of your score is your credit card debt relative to your total available credit. By closing an account, you will reduce your total available credit and raise your utilization ratio, which can hurt your score. 5.即使不用，也要检查账户 5. Check your accounts, even if you don’t use them 对于闲置的信用卡，仍旧要经常检查相应账户。必须确保账目上没有年费之类的费用扣除，也没有欺诈者在冒用你的卡。因未意识到年费的存在而毁了自己的信用、招致评分下降的话就太不合算了。 Speaking of credit cards you don’t use, make sure you still check all your accounts every so often. Ensure there aren’t charges like annual fees on there, and that no one is fraudulently using your card. Ruining your credit score because you didn’t realize you owed an annual fee is a silly reason for your credit score to drop. 6.当心个人信息外泄 6. Be careful with your personal information 不消说，给出社保号、生日、信用卡卡号之前要是一定要三思的。 It goes without saying that you need to be very careful when giving out information like your Social Security number, birthdate, or your credit card numbers. 不要把含有这些信息的文书遗落在窃贼可及的地方，把东西随手垃圾桶也是不安全的。买一台基本型碎纸机也就30美元左右，而这笔投资将能保护你的个人信息不被盗走。 In addition, make sure you don’t leave any paperwork with this information on it where a thief could potentially find it, including in your garbage. Investing in a paper shredder shouldn’t cost more than $30 or so for a basic model, and it could save your identity from being stolen. 7.密切关注信用状况 7. Keep an eye on it 也许保护信用的最佳方式就是密切关注它。你不用每天检查，但大约每月20美元左右的信用检测服务还是值得一试的。 Perhaps the best way to protect your credit is to watch it. You don’t need to check it every day, but a credit monitoring service can be an excellent use of $20 or so per month. 我以为这类服务中，myFICO.com做的最好。想要获得FICO这一绝大多数借出人采用的信用评分，唯一能去的地方就是myFICO.com。然而，并不是说非要查看评分才能保护信用，所以，任何能帮助你检查Equifax、Experian以及TransUnion检查信用报告的服务都值得一试。 In my opinion, the best one is through myFICO.com , since it’s the only place to buy your real FICO credit score that most lenders use. However, it’s not completely necessary to see your score to protect your credit, so any service that allows you to check your Equifax , Experian , and TransUnion credit reports is a good investment. 查一次信用报告不费锱铢。根据美国联邦法律，每人每年都享有一次从任一信用部门获取一份免费信用报告的权利。你可以去annualcreditreport.com申请获取你的那份。 Checking your credit report once doesn’t have to cost you a dime. Under Federal law, you’re entitled to one free copy of your credit report from each credit bureau once per year. Go to annualcreditreport.com to request yours. 行动不宜迟 Easier now than later 以上各项累加起来看似繁杂，但当下就着手保护你的信用远比江心补漏来得容易。倘若有人盗用你的身份、拖欠你名下的贷款，那时问题可就严重了。趁现在稍作努力，你就能确保自己奋力维护的信用评分在来年良好依旧。 All of this may sound like a lot of work, but it’s much easier to protect your credit now than it is to recoup damages after someone steals your identity or makes a late payment on a loan you cosigned. With a little effort, you can make sure that the great credit score you’ve worked so hard to build stays great for years to come. 作者： Motley Fool 译者： 刘雯畅 原文： Nasdaq |
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