信用評分及其應用

Your credit score determines the interest rate that lenders charge you for debt (and whether you can secure a loan at all). That means your credit score affects everything major you buy—your car, your house, and even your education. It makes sense not only to track your credit score but also take the necessary steps to improve it. These apps will help you do both.

您的信用評分決定了放款人對您的債務收取的利率(以及您是否可以全部獲得貸款)。 這意味著您的信用評分會影響您購買的所有主要商品，包括您的汽車，房屋，甚至您的學歷。 不僅要跟蹤您的信用評分，而且還要採取必要的措施來改善它。 這些應用程式將幫助您實現這兩個目標。

檢查我的信用分數會影響我的信用分數嗎？ (Will Checking My Credit Score Impact My Credit Score?)

No. Checking your credit score is usually a “soft request” or a “soft pull,” which means it does not affect your credit score. This is different from “hard requests,” thatdo

不能。檢查您的信用分數通常是“軟請求”或“輕拉”，這意味著它不會影響您的信用分數。 這與“硬性要求”不同，後者確實會影響您的信用評分； 當您做諸如申請信用卡或貸款之類的事情時，這些事情就會發生。 如果您想了解更多資訊，Credit Karma的

And with that, let’s get to the apps.

至此，讓我們進入應用程式。

Credit Karma：最適合大多數人 (Credit Karma: Best for Most People)

Credit Karma is perhaps the most popular free service for checking your credit score and it’s the one we think is best for most people. Creating an account is quick, and you don’t even need to share your credit card number. The score is updated weekly and fetched with a “soft pull” so that your credit score is not impacted at all.

Credit Karma可能是最受歡迎的免費服務，可用來檢查您的信用評分，這是我們認為最適合大多數人的一項服務。 建立帳戶非常快捷，您甚至不需要共享信用卡號。 分數每週更新一次，並通過“軟拉”獲取，因此您的信用分數完全不會受到影響。

Credit Karma pulls your credit report from Equifax and TransUnion—both of which use VantageScore 3.0. Your credit report will include a report card, which will list the factors that affect your credit score. You can check your credit score any number of times and changes in your score will tell you if your score is improving or not. Credit Karma lets you check in on the different accounts that make up your credit report so you can always see what’s up on your report.

Credit Karma從Equifax和TransUnion(兩者都使用VantageScore 3.0)中提取您的信用報告。 您的信用報告將包括一張報告卡，其中將列出影響您信用評分的因素。 您可以任意次數檢查信用評分，並且評分的變化將告訴您評分是否在提高。 Credit Karma可讓您簽入構成信用報告​​的其他帳戶，以便您始終可以檢視報告中的內容。

Credit Karma’s iOS and Android app also alert you about any important changes to your credit score and also let you report disputes if you find any.

Credit Karma的iOS和Android應用程式還會提醒您信用評分的任何重要變化，如果發現任何爭議，還可以報告您的糾紛。

薄荷：還不錯，尤其是如果您已經在使用薄荷 (Mint: Not Bad, Especially if You’re Already Using Mint)

Mint is a well-known personal finance service with helpful apps that let you check your accounts and your current financial status on the go. In 2016, Mint added a feature for checking your credit score and you can access it from theiOSand Androidapps.

Mint是一項著名的個人理財服務，具有實用的應用程式，可讓您隨時隨地檢視帳戶和當前財務狀況。 在2016年，Mint添加了一項檢查信用評分的功能，您可以從iOS和Android應用程式中訪問它。

The Mint Credit Score service is free. It’s available once per quarter and pulls an Equifax three-bureau score (Equifax, TransUnion, Experian). You get your credit score and a summary of your credit report.

薄荷信用評分服務是免費的。 它每季度可用一次，並獲得Equifax三局得分(Equifax，TransUnion，Experian)。 您將獲得信用評分和信用報告摘要。

Mint also offers a Mint Credit Monitor service for $16.99 a month. It gives you a monthly Equifax score from all three bureaus, a full monthly credit report, identity monitoring, and many more features.

Mint還提供Mint Credit Monitor服務，每月16.99美元。 它為您提供了所有三個局的每月Equifax分數，完整的每月信用報告，身份監控以及許多其他功能。

In general, we recommend Credit Karma over Mint’s service. Even though Credit Karma only offers your score and report from two bureaus (Equifax and TransUnion), you get updates much more often. If you specifically need the Experian report or if you’re already using Mint, then Mint’s service might work better for you.

一般而言，我們建議您使用Credit Karma而非Mint的服務。 即使Credit Karma僅從兩個局(Equifax和TransUnion)提供您的分數和報告，但您獲得更新的頻率更高。 如果您特別需要Experian報告，或者您已經在使用Mint，則Mint的服務可能會更好。

益百利(Experian) ：有限，但免費且對益百利得分有用 (Experian: Limited, but Free and Useful for Experian Scores)

You might have noticed that both the apps we’ve discussed so far use the Experian credit rating model. Wouldn’t it be great to get your credit information directly from them? Well, you can. Experian offers a free credit reporting service that’s available on theiriOSand Androidapps. You can get an updated Experian Credit Report from either app every 30 days.

您可能已經注意到，到目前為止我們討論的兩個應用程式都使用Experian信用評級模型。 直接從他們那裡獲取您的信用資訊不是很好嗎？ 好吧，可以。 益百利提供免費的信用報告服務，可在其iOS和Android應用程式上使用。 您每30天可以從任一應用程式獲取更新的Experian信用報告。

您應該為您的信用分數付款嗎？ (Should You Pay for Your Credit Score?)

Since you can find out your credit score for free on the apps discussed above, you might wonder if it is useful to pay for your credit score.

由於您可以在上述應用程式中免費找到您的信用評分，因此您可能想知道為信用評分付款是否有用。

The vast majority of the time, the answer is no; free credit score apps should be just fine. One big exception to that is if you’re going to apply for a mortgage. Mortgage lenders sometimes use different versions of a FICO score and it’s helpful to know which version the lender is using before applying. A few points difference in a score can affect your interest and even slight changes to interest can make a big impact on long-term loans like mortgages. You can see the difference yourself using the CFPB Mortage Rate Tool. Ordering a FICO score directly from the source can show you multiple versions of your score.

在絕大多數情況下，答案是否定的。 免費的信用評分應用程式應該很好。 一大例外是，如果您要申請抵押。 抵押貸款人有時會使用FICO分數的不同版本，這有助於在申請之前知道貸款人所使用的版本。 分數的幾個點差異可能會影響您的利息，甚至利息的微小變化也會對抵押等長期貸款產生重大影響。 您可以使用CFPB抵押率工具自己檢視差異。 直接從來源訂購FICO分數可以顯示分數的多個版本。

Image Credit: one photo/Shutterstock

圖片來源：一張照片/ Shutterstock

翻譯自: https://www.howtogeek.com/370356/the-best-free-credit-score-apps/

信用評分及其應用