{"id":1179,"date":"2009-02-03T02:00:13","date_gmt":"2009-02-03T09:00:13","guid":{"rendered":"http:\/\/www.jinmei.org\/blog\/?p=1179"},"modified":"2009-03-14T16:37:02","modified_gmt":"2009-03-14T23:37:02","slug":"credit-history%e3%83%81%e3%82%a7%e3%83%83%e3%82%af","status":"publish","type":"post","link":"https:\/\/www.jinmei.org\/blog\/2009\/02\/03\/1179","title":{"rendered":"Credit History\u30c1\u30a7\u30c3\u30af"},"content":{"rendered":"

\u4ee5\u524d\u304b\u3089\u3084\u308d\u3046\u3068\u601d\u3063\u3066\u3044\u306a\u304c\u3089\u5fd8\u308c\u3066\u3044\u305f\u3001credit history\u306e\u78ba\u8a8d\u3092\u5b9f\u65bd\u3002FI planning\u306eblog\u8a18\u4e8b<\/a>\u3092\u898b\u3066\u601d\u3044\u51fa\u3057\u3066\u3001AnnualCreditReport.com<\/a>\u304b\u3089\u7121\u6599\u30ec\u30dd\u30fc\u30c8\u3092download\u3057\u305f\u30023\u3064\u3042\u308b\u30ec\u30dd\u30fc\u30c8\u4f1a\u793e\u306e\u3046\u3061\u3001\u6df1\u3044\u610f\u5473\u306f\u306a\u3044\u3051\u3069\u4eca\u56de\u306fTransUnion<\/a>\u3092\u9078\u629e\u3002
\n
\n\u3068\u308a\u3042\u3048\u305a\u3001\u8eab\u306b\u899a\u3048\u306e\u306a\u3044\u501f\u91d1\u3068\u304b\u3001\u8eab\u306b\u899a\u3048\u306e\u306a\u3044\u30ab\u30fc\u30c9\u672a\u6255\u3044\u3068\u304b\u304c\u3067\u304d\u3066\u306a\u3044\u3053\u3068\u3092\u78ba\u8a8d\u3057\u3066\u4e00\u5b89\u5fc3\u3002\u305f\u3068\u3048\u3070\u3001\u30ab\u30fc\u30c9\u306b\u3064\u3044\u3066\u306f\u3053\u3093\u306a\u611f\u3058\u3067\u904e\u53bb10\u30f6\u6708\u5206\u7a0b\u5ea6\u306ehistory\u306e\u6982\u8981\u304c\u308f\u304b\u308b(\u30af\u30ea\u30c3\u30af\u3067\u82e5\u5e72\u62e1\u5927\u53ef)\u3002<\/p>\n

\n \"\"<\/a>\n<\/p>\n

\u3061\u306a\u307f\u306b\u3001\u30ab\u30fc\u30c9\u4f1a\u793e\u304c\u52dd\u624b\u306b\u58f2\u308a\u8fbc\u307f\u3092\u304b\u3051\u3066\u304f\u308b\u3068\u304d\u306b\u3082credit history\u306e\u7167\u4f1a\u304c\u3067\u304d\u308b\u3088\u3046\u3067\u3001\u305d\u306e\u8a18\u9332\u3082\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u6848\u306e\u5b9a\u3068\u3044\u3046\u304b\u3001\u3057\u3064\u3053\u304f\u3066\u9589\u53e3\u3057\u3066\u3044\u308bCapital One\u304b\u3089\u306e\u554f\u3044\u5408\u308f\u305b\u304c\u5927\u91cf\u306b\u767a\u751f\u3057\u3066\u3044\u305f\u2026\u3002<\/p>\n

\u3055\u3089\u306b\u3001$8\u307b\u3069\u304a\u91d1\u3092\u6255\u3046\u3068\u3001\u81ea\u5206\u306e\u501f\u91d1\u529b\u306e\u6307\u6a19\u3067\u3042\u308bcredit score\u3082\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u501f\u91d1\u3059\u308b\u4e88\u5b9a\u306f\u306a\u3044\u306e\u3067score\u306b\u306f\u3068\u304f\u306b\u8208\u5473\u306f\u306a\u3044\u306e\u3060\u3051\u3069\u30011\u5e74\u904e\u3054\u3057\u305f\u5f8c\u304c\u3069\u3093\u306a\u72b6\u614b\u304b\u3068\u3044\u3046\u306e\u3092\u77e5\u3063\u3066\u304a\u304f\u306e\u3082\u60aa\u304f\u306a\u3044\u304b\u3068\u601d\u3044\u3001\u4eca\u56de\u306f\u8cfc\u5165\u3057\u3066\u307f\u305f\u3002<\/p>\n

\u7d50\u679c\u306f\u3001\u307e\u3042\u4e88\u60f3\u901a\u308a\u3068\u3044\u3046\u304b\u3001\u3088\u304f\u3082\u60aa\u304f\u3082\u306a\u3057\u3068\u3044\u3046\u611f\u3058\u3002\u5bb6\u306e\u30ed\u30fc\u30f3\u306e\u3088\u3046\u306a\u5927\u304d\u306a\u501f\u91d1\u3092\u3057\u3066\u7740\u5b9f\u306b\u8fd4\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u5b9f\u7e3e\u304c\u306a\u304f\u3001credit history\u306e\u7a4d\u307f\u4e0a\u3052\u306b\u306a\u308b\u306e\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u652f\u6255\u3044\u3060\u3051\u306a\u306e\u3067\u3002\u3067\u3082\u30011\u5e74\u524d\u306ehistory\u30bc\u30ed\u306a\u72b6\u614b\u304b\u3089\u6bd4\u3079\u308c\u3070\u3001credit card\u3092\u7533\u3057\u8fbc\u3093\u3067\u3082\u65ad\u3089\u308c\u308b\u3053\u3068\u306f\u307e\u305a\u306a\u3044\u3060\u308d\u3046\u3068\u3044\u3046\u30ec\u30d9\u30eb\u306b\u306f\u9054\u3057\u3066\u3044\u308b\u6c17\u304c\u3059\u308b\u3002<\/p>\n

\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u7d50\u679c\u305d\u306e\u3082\u306e\u304b\u3089\u306f\u7279\u5225\u5f97\u308b\u3082\u306e\u306f\u306a\u304b\u3063\u305f\u304c\u3001\u300cscore\u306b(\u60aa)\u5f71\u97ff\u3092\u4e0e\u3048\u3066\u3044\u308b\u8981\u56e0\u300d\u3068\u3044\u3046\u9805\u76ee\u304c\u3042\u3063\u3066\u3001\u3053\u3053\u306f\u306a\u304b\u306a\u304b\u8208\u5473\u6df1\u304b\u3063\u305f\u3002\u5177\u4f53\u7684\u306b\u306f\u4ee5\u4e0b\u306e\u901a\u308a(\u5f71\u97ff\u306e\u5927\u304d\u3044\u9806)<\/p>\n

    \n
  1. \u4e00\u756a\u53e4\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u4f5c\u3063\u3066\u304b\u3089\u306e\u671f\u9593\u304c\u77ed\u304b\u3059\u304e\u308b(Time since oldest account opened is too recent)\u3002\u305d\u306e\u901a\u308a\u3060\u304c\u3001\u307e\u3042\u3053\u308c\u3070\u304b\u308a\u306f\u4ed5\u65b9\u306a\u3044\u3002<\/li>\n
  2. credit score\u306e\u8db3\u3057\u306b\u306a\u308b\u4e0d\u52d5\u7523\u3092\u6301\u3063\u3066\u3044\u306a\u3044(You have no real estate accounts that can be used in determining a credit score)\u3002\u3053\u308c\u3082\u307e\u3042\u3057\u3087\u3046\u304c\u306a\u3044\u3002<\/li>\n
  3. \u9280\u884c\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5229\u7528\u53ef\u80fd\u984d\u304c\u4f4e\u3059\u304e\u308b(The available credit on your open bank credit card accounts is too low)\u3002\u3053\u308c\u306f\u76f2\u70b9\u3060\u3063\u305f\u3002\u9280\u884c\u53e3\u5ea7\u3092\u958b\u3044\u305f\u3068\u304d\u306b\u30c0\u30e1\u3082\u3068\u3067\u4f5c\u3063\u305f\u30ab\u30fc\u30c9\u304c\u3042\u3063\u3066\u3001\u5f53\u7136\u3068\u3044\u3046\u304b\u4f4e\u3044\u30e9\u30a4\u30f3\u306elimit\u304c\u304b\u304b\u3063\u3066\u3044\u305f\u306e\u3060\u304c\u3001\u305d\u308c\u3092\u653e\u7f6e\u3057\u305f\u307e\u307e\u306b\u3057\u3066\u3044\u305f\u306e\u304c\u3069\u3046\u3084\u3089credit score\u7372\u5f97\u306e\u70b9\u3067\u8db3\u3092\u5f15\u3063\u5f35\u3063\u3066\u3044\u305f\u3088\u3046\u3060\u3002\u6700\u8fd1\u3082\u3063\u3068\u4f7f\u3048\u308b\u30ab\u30fc\u30c9\u3092\u5225\u9014\u4f5c\u3063\u305f\u306e\u3067\u3001\u9280\u884c\u30ab\u30fc\u30c9\u306f\u89e3\u7d04\u3057\u3066\u3057\u307e\u3046\u306e\u304c\u5409\u304b\u3082\u3002\u8ffd\u8a18: \u3068\u3044\u3046\u3053\u3068\u3067\u3001\u3053\u308c\u304b\u3089\u3042\u307e\u308a\u4f7f\u308f\u306a\u304f\u306a\u308a\u305d\u3046\u306a\u30ab\u30fc\u30c9\u53e3\u5ea7\u3092\u7dad\u6301\u3057\u3066\u3044\u3066\u3082\u60aa\u7528\u3055\u308c\u308b\u5371\u967a\u304c\u3042\u308b\u3060\u3051\u3067\u3042\u307e\u308a\u30e1\u30ea\u30c3\u30c8\u306a\u3057\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u3001\u3055\u3063\u304f\u308a\u89e3\u7d04\u3057\u305f\u3002<\/li>\n
  4. \u3053\u3053\u6570\u30f5\u6708\u3067\u306e\u3001\u652f\u6255\u671f\u9650\u5185\u306b\u652f\u6255\u3044\u3092\u3057\u305f\u53e3\u5ea7\u6570\u304c\u4e0d\u5341\u5206(?)(Not enough of your accounts have been paid on time in recent months)\u3002\u3053\u308c\u306f\u3061\u3087\u3063\u3068\u610f\u5473\u4e0d\u660e\u3002\u5c11\u306a\u304f\u3068\u3082\u30ab\u30fc\u30c9\u306e\u652f\u6255\u671f\u9650\u306b\u9045\u308c\u305f\u3053\u3068\u306f\u306a\u304b\u3063\u305f\u306f\u305a(\u5b9f\u969bcredit history\u306ereport\u3067\u3082\u4e0d\u5be9\u306a\u70b9\u306f\u306a\u3044)\u3002\u5358\u306b\u5c65\u6b74\u306e\u6d45\u3055\u306e\u554f\u984c\u306a\u306e\u304b\u3001\u6700\u8fd1\u4f5c\u3063\u305f\u65b0\u3057\u3044\u30ab\u30fc\u30c9\u306e\u53e3\u5ea7\u304c\u4e0d\u5229\u306b\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u3066\u3044\u308b\u306e\u304b\u3002history\u306b\u50b7\u304c\u3064\u3044\u3066\u3044\u308b\u3075\u3057\u306f\u306a\u3044\u306e\u3067\u5fc3\u914d\u3059\u308b\u3088\u3046\u306a\u3053\u3068\u306f\u306a\u3044\u3068\u601d\u3046\u304c\u3001\u3082\u3046\u5c11\u3057\u5f8c\u3067\u307e\u305f\u78ba\u8a8d\u3057\u3066\u307f\u308b\u5fc5\u8981\u304c\u3042\u308b\u304b\u3082\u3002<\/li>\n<\/ol>\n

    \u5927\u304d\u306a\u501f\u91d1\u3092\u3059\u308b\u4e88\u5b9a\u3082\u306a\u3044\u306e\u3067\u3001\u30b9\u30b3\u30a2\u306e\u65b9\u306f\u5e74\u306b\u4e00\u56de\u78ba\u8a8d\u3059\u308b\u304f\u3089\u3044\u3067\u5341\u5206\u304b\u3068\u601d\u3046\u3051\u3069\u3001history\u306f\u3053\u308c\u304b\u3089\u5b9a\u671f\u7684\u306b\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3088\u3046\u306b\u3057\u3088\u3046\u3002\u81ea\u5206\u306b\u843d\u3061\u5ea6\u304c\u306a\u304f\u3066\u3082\u3001\u4e8b\u6545\u3068\u304b\u60aa\u7528\u3068\u304b\u3067\u77e5\u3089\u306a\u3044\u9593\u306bcredit\u3092\u640d\u306a\u3063\u3066\u3044\u305f\u3068\u3044\u3046\u8a71\u306f\u305f\u307e\u306b\u8033\u306b\u3059\u308b\u306e\u3067\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

    \u4ee5\u524d\u304b\u3089\u3084\u308d\u3046\u3068\u601d\u3063\u3066\u3044\u306a\u304c\u3089\u5fd8\u308c\u3066\u3044\u305f\u3001credit history\u306e\u78ba\u8a8d\u3092\u5b9f\u65bd\u3002FI planning\u306eblog\u8a18\u4e8b\u3092\u898b\u3066\u601d\u3044\u51fa\u3057\u3066\u3001AnnualCreditReport.com\u304b\u3089\u7121\u6599\u30ec\u30dd\u30fc\u30c8\u3092download\u3057\u305f\u30023\u3064\u3042\u308b\u30ec\u30dd\u30fc\u30c8\u4f1a\u793e\u306e\u3046\u3061\u3001\u6df1\u3044\u610f\u5473\u306f\u306a\u3044\u3051\u3069\u4eca\u56de\u306fTransUnion\u3092\u9078\u629e\u3002<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[19],"class_list":["post-1179","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-finance"],"_links":{"self":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts\/1179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/comments?post=1179"}],"version-history":[{"count":8,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts\/1179\/revisions"}],"predecessor-version":[{"id":1357,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/posts\/1179\/revisions\/1357"}],"wp:attachment":[{"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/media?parent=1179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/categories?post=1179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jinmei.org\/blog\/wp-json\/wp\/v2\/tags?post=1179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}