The tin dung dau tien Uc: xay dung credit score va chon the

Credit score Uc bat dau tu muc "thin file" — khong co lich su tuc la khong co diem.

Buoc dau tien: xin the tin dung gioi han thap, dung va tra dung han moi thang.

Tóm tắt nhanh

• Credit score Uc: Equifax, Experian, Illion — scale 0–1.200.
• Secured card hoac low-limit card la diem khoi dau tot.
• Tra toan bo du no moi thang, khong chi tra minimum.
• Khong xin qua nhieu the cung mot luc — anh huong score.

Credit score Uc la gi?

Credit score phan anh lich su vay va tra no. Ngan hang Uc dung diem nay xet duyet vay nha, vay xe va the tin dung gioi han cao.

• Xem diem mien phi: GetCreditScore.com.au, CreditSimple
• Diem tot: >700 (Equifax)

Cach build credit score nhanh

• Xin the gioi han thap ($500–$1.000) tu ngan hang chinh
• Mua do nho va tra full moi thang
• Khong tre han bat ky hoa don nao (dien, nuoc, dien thoai)
• Sau 6–12 thang xem xet nang limit hoac xin the tot hon

Câu hỏi thường gặp

Nguoi moi den Uc co xin the tin dung duoc khong?

Kho hon nhung van duoc. Nen xin qua ngan hang noi ban co tai khoan tiet kiem truoc.

Secured card la gi?

The yeu cau ban ky gui tien dat coc, gioi han bang so tien dat coc — it rui ro cho ngan hang.

Xem them