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flycolor (flycolor) 于 (Wed Aug 4 14:12:08 2010, 美东) 提到:
刚才无聊看了一下信用报告，里面有个分析的，其中negative factors第一条就是下面
写的.
这张开了6年零１个月的卡是我老公的，我最近才加进去，没想到成为降低我分数的第
一大要啊。
我被默认为历史是6年前开始的，而我payment history才３个月(从我加入他那时开始算)，拥有长历史的卡，但payment 历史短，就会降低信用分
这好像不太公平嘛
Here are the top factors that lower your score:
You opened your first credit account 6 years and 1 month ago. This does
not include disputed accounts and accounts for which the date opened is not
reported.
This lowers your score. Having had credit accounts for a long time is a
positive factor because your credit history allows lenders to evaluate how
you typically use credit and repay your debts. However, accounts that have
been open for a long time may have a short payment history, either because
you have not used the account recently, or because the lender has not
reported the payment history to the credit bureau. Having short payment
histories is a negative factor, even for accounts that have been open for a
long time, because it does not provide lenders with the information they
need to determine how you repay your debts. Accounts that were opened 40 or
more years ago and have 2 or more years of reported payment history are
considered best. On the other hand, if your oldest account was opened up to
7 years ago, your credit history may be considered short, and less than 3
years ago is often considered too little.
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smugmug (摄影—记录生活中的点点滴滴) 于 (Wed Aug 4 14:27:49 2010, 美东) 提到:
Not true for me.
All my card report get reflected in the credit report of my wife. It looks t
hat her credit history started to built even before she obtained an SSN.
not
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sharpdressed (man) 于 (Wed Aug 4 14:30:11 2010, 美东) 提到:
不是。你的算短的。里面写了7年以上才不算短的。
另外如果这个卡很长时间没用是negative。
他们不知道你只有三个月。
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plachn (PLA) 于 (Wed Aug 4 14:30:47 2010, 美东) 提到:
这跟副卡有啥关系？
副卡也是你老公pay吧？
Short payment history从何谈起？
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flycolor (flycolor) 于 (Wed Aug 4 14:39:51 2010, 美东) 提到:
我的意思是，我老公这张卡用了６年了，我几个月前才拿到SSN，并开了副卡。但是按
照这上面的口气，是说我有张卡６年前开的，但是payment history很短(是从我用副卡
开始算起)，所以降低了我的信用分。
You opened your first credit account 6 years and 1 month ago
However, accounts that have been open for a long time may have a short payment history
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massach (reborn) 于 (Wed Aug 4 15:02:28 2010, 美东) 提到:
应该不是这个意思
是你老公很久没用这个卡了吧，所以这卡很久没有payment了，所以payment history短
payment history
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flycolor (flycolor) 于 (Wed Aug 4 15:09:35 2010, 美东) 提到:
no. 这张是costco的卡，我们每个月都用，以前他也每个月都用。我看字面意思就是我
说的那个意思呀,要不然是啥意思？
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phynix (饱乐) 于 (Wed Aug 4 15:16:08 2010, 美东) 提到:
以前没见过这个说法..
那是不是就算是主卡人很久没有payment也会lower score呢.
始算)，拥有长历史的卡，但payment 历史短，就会降低信用分
not
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DeaDEyE (代代爱) 于 (Wed Aug 4 15:17:53 2010, 美东) 提到:
不是降低了你的信用分数。系统里不知道你的SSN是啥时候ISSUE的，因此是按照你7年前
开始有CREDIT HISTORY来算的。
你要这样想，以你几个月前才拿到的SSN并没有主卡，你本来是没有信用分数的。是因为
他们把你老公的的卡作为你的信用历史，你才有了信用分数。所以不存在你的信用分被
降低。
payment history
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flycolor (flycolor) 于 (Wed Aug 4 15:26:58 2010, 美东) 提到:
哇给了个包子，谢谢班主
PS：这张卡自从我劳工开卡后每个月都用的，他经常去costco.
还肯定还的，他比我可规矩多了.
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dumplings (dumplings) 于 (Sun Aug 8 17:41:44 2010, 美东) 提到:
这个逻辑其实可以理解啊。
你要是和自己持卡7年比，这样的加进去会降低你的分数，
要是你自己都刚有SSN,那么“降低”后的分数也比你能够拿到的高 |
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