a*******e
发帖数: 3897 | 1 equifax给了个免费查分数的offer，刚去查了下，分数不高。后面最重要一项解释是，
您开卡过多（我就十来张卡，在creditkarma刚刚到C）。我抄上来大家看看。但是
creditkarma说卡越多越好，不到21张以上都拿不到A。这两家到底哪个说得有道理，大
家给评评。
Equifax:
You have too many open credit cards.Your credit report shows that you have a
high number of credit cards. People with a higher number of open credit
cards as compared to all credit accounts are considered riskier to lenders
because they have the potential to take on too much revolving debt by
carrying balances on each of these accounts. In general, it is considered
less risky to have fewer credit cards with higher credit limits, as compared
to many credit cards.
78% of Equifax 760+ Club members have 3 or less open credit card accounts,
or no credit card accounts at all.（没卡的反而高分，这也太搞笑了吧）
------------------
Creditkarma:
Total accounts is another measure of your creditworthiness. Consumers with
more credit accounts generally have better credit scores because it means
more lenders are willing to grant credit. This metric represents the total
number of accounts listed on your credit report. A breadth of different
account types is indicative of good credit. |
w*****1
发帖数: 6807 | 2 equifax的分偏低，这些分数都没有比较性，看档次就好了 |
g*****y
发帖数: 2491 | 3 我觉得不能说是卡越多越好吧，这样太片面了，应该是信用卡，房贷，车贷，学费贷款
这些的种类越多越好~
毕竟银行和你信用记录相关，而且最挣钱的是后面三种贷款了~ |
a*******e
发帖数: 3897 | 4 有道理~ 银行还是贪啊，知道信用卡吸血能力不如车贷房贷，特别是咱们中国人，如果
只用卡的话，他们基本拿不到利息，呵呵
【在 g*****y 的大作中提到】
: 我觉得不能说是卡越多越好吧，这样太片面了，应该是信用卡，房贷，车贷，学费贷款
: 这些的种类越多越好~
: 毕竟银行和你信用记录相关，而且最挣钱的是后面三种贷款了~
|
b****n
发帖数: 2780 | |
h***d
发帖数: 2188 | 6 后者意思是种类越多越好
a
【在 a*******e 的大作中提到】
: equifax给了个免费查分数的offer，刚去查了下，分数不高。后面最重要一项解释是，
: 您开卡过多（我就十来张卡，在creditkarma刚刚到C）。我抄上来大家看看。但是
: creditkarma说卡越多越好，不到21张以上都拿不到A。这两家到底哪个说得有道理，大
: 家给评评。
: Equifax:
: You have too many open credit cards.Your credit report shows that you have a
: high number of credit cards. People with a higher number of open credit
: cards as compared to all credit accounts are considered riskier to lenders
: because they have the potential to take on too much revolving debt by
: carrying balances on each of these accounts. In general, it is considered
|
