Author: James H. Dimmitt 作者：詹姆斯H Dimmitt
Article source: http://www.free-articles-zone.com/ . 文章来源： http://www.free-articles-zone.com/ 。 Used with author's permission. 用作者的许可。 Mark and Beth, a young married couple in their twenties, established a goal to buy a home within the first three years of their marriage before starting a family.马克和贝丝，一名年轻的已婚夫妇在20 ，设立了一个目标，买回家的头三年他们的婚姻在开始一个家庭。 They budgeted and used their money wisely in order to save for the down payment.他们的预算和使用他们的钱明智地，以节省的首期付款。 Whenever they purchased something they always paid cash - no credit cards for them.每当他们购买的东西，他们总是用现金购买-没有信用卡为他们。 Why waste money by paying interest to a credit card company?为什么要浪费钱支付利息的信用卡公司？ Within two years they'd reached their savings goal and began house hunting.两年内，他们想达到他们的储蓄目标，并开始内部狩猎。 They found their "American Dream" home in a new community with lots of amenities that seemed perfect for their soon-to-be family.他们发现他们的“美国梦”的家中了一个新的社区，有很多的设施，似乎完美的不久将家庭。 They were elated that their years of saving were about to finally payoff.他们兴高采烈，他们的年节水约最终回报。 But, they ran into a big problem when they went shopping for a mortgage.但是，他们遇到了一个大问题时，他们出去买东西的贷款。 Even though they had enough income to make mortgage payments and enough money saved to afford the down payment, they had no credit history.即使他们有足够的收入来偿还抵押贷款，并储存足够的钱支付首期付款，他们没有信用记录。 Lenders had no FICO score to evaluate their creditworthiness in order to offer them a loan.放债人没有菲佐评分评估其资信，以便向他们提供贷款。 Fair Isaacs Co. established a credit scoring system in the 1980's and since then FICO scores have been used to determine if someone will qualify for a mortgage and the interest rate they would pay.交易会萨克斯公司建立了一个信用评分系统在1980年和此后菲佐分数已被用来确定是否有人将有资格获得抵押贷款和利息，他们将支付。 Over 50 million US adults fall into the same category - they have either too little credit history or no credit history at all.超过5000万美国成年人属于同一类别-他们要么太少信用记录或根本没有信用记录的所有。 But now thanks to a new FICO formula, called FICO Expansion Score, lenders will now have opportunities to extend credit to consumers based on non-traditional credit data that are excluded from credit bureau reports.但是，现在由于新的菲佐公式，所谓菲佐膨胀分数，放款人现在将有机会扩大消费信贷的基础上的非传统的信贷数据，被排除在信用局的报告。 FICO Expansion will consider a wide range of financial transactions including payment activities such as rental payments, deposit accounts, payday loans, book or CD club payment plans, and retail lay-away plans.菲佐将考虑扩大范围广泛的金融交易，包括付款的活动，如支付租金，存款帐户，发薪日贷款，书籍或CD俱乐部支付计划，及零售业裁员以外的计划。 Who stands to benefit from this new scoring model?谁将会受益于这种新的比赛模式吗？ Anyone who makes little use of banks, credit cards, or checking accounts.谁使任何人都很少使用的银行，信用卡或支票帐户。 The "credit underserved" claims Fair Isaac Co, which includes young adults, low-income consumers, widows or divorcees, and immigrants.在“信用不足”的索赔费埃哲公司，其中包括年轻的成年人，低收入消费者，寡妇或离婚，和移民。 And while those in the credit card and mortgage industry see this new scoring model as a potential benefit, those in the credit counseling sector foresee potential problems.而那些在信用卡和抵押贷款行业看到这个新的比赛模式作为一个潜在的好处，这些信贷咨询部门预见潜在的问题。 Fair Isaac CEO Tom Grudnowski is excited about his company's new credit-scoring resource.费埃哲公司首席执行官Tom Grudnowski感到非常激动，他的公司的新的信贷得分资源。 "This extension of the FICO score gives lenders and other businesses another powerful tool ..., while expanding service options for consumers who have missed out on opportunities simply because they lack a traditional credit history." “这延长菲佐评分给予贷款和其他企业的另一个有力的工具... ，同时扩大服务了消费者的选择余地谁也错过了机会，仅仅是因为他们缺乏一种传统的信用历史。 ” The opposition, namely debt and credit counselors, see both the good and the bad.反对党，即债务和信贷辅导员，看到好的和坏。 Some consumers will benefit by qualifying for less costly credit arrangements.一些消费者将受益于符合成本较低的信贷安排。 However, others could fall prey to becoming overextended unless they also receive some basic credit and debt education.然而，其他人可以牺牲品成为过度，除非他们还收到一些基本的信用和债务的教育。 Tom Hicks, a credit counselor in Chicago, worries that "with the average American household owing $8,000.00 in credit debt, this could open the door to others finding themselves unable to handle credit properly. Ultimately the burden lies with the consumer," he says.汤姆希克斯，信贷辅导员在芝加哥，担心“与美国人的平均家庭由于八千点〇 〇美元信贷债务，这可能打开大门给他人发现自己无法妥善处理信贷。归根结底在于负担的消费， ”他说。 Fair Isaac Co. estimates that at least half of those without traditional credit profiles will benefit from this new scoring method.费埃哲公司估计，至少有一半的人没有传统的信用档案将受益于这一新的评分方法。 About The Author作者简介 © 2004, http://www.yourfreecreditreportnow.com © 2004 ， http://www.yourfreecreditreportnow.com Author: James H. Dimmitt作者：詹姆斯H Dimmitt Discover more money-saving tips and articles in our free weekly ezine, "To Your Credit" by visiting http://tinyurl.com/bgo9 .发现更多省钱的技巧和文章的自由每周联系我们， “您的信用卡”访问http://tinyurl.com/bgo9 。 Subscribe today and receive FREE bonuses!订阅和接收免费奖金！
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