What Is Credit Scoring? | credit scoring

What Is Credit Scoring?

นอกจากการดูบทความนี้แล้ว คุณยังสามารถดูข้อมูลที่เป็นประโยชน์อื่นๆ อีกมากมายที่เราให้ไว้ที่นี่: ดูเพิ่มเติม

What is Credit Scoring \u0026 how is it calculated in Australia? What happens if your score is too low \u0026 how can you improve it? Are there banks that do not use this method? Find out all this \u0026 more in our video!

Try our Credit Score Calculator to estimate your credit score http://www.homeloanexperts.com.au/creditscorehomeloan/creditscorecalculator/

This video was produced by Home Loan Experts. Visit us at http://www.homeloanexperts.com.au for more information.
Subscribe to our channel to learn more about home loans: http://www.youtube.com/user/homeloanexperts

Video transcript:
Have you ever wondered how the banks asses your home loan application? What is your credit score \u0026 how can you improve it?
Meet Ella,
Ella has just applied for a home loan.
Unfortunately, the bank tells her that her credit score is too low and her loan has been declined.
So what went wrong?
When Ella applied for her mortgage, the bank’s computer system gave her a score based on her credit history, employment, income and the security for her loan.
It even took her gender, age \u0026 asset position into account to build a profile and work out if she is a good borrower or not.
If you get a low score, like Ella, then your loan will be declined.
Unfortunately, banks don’t take common sense into account. They didn’t think about Ella’s application, it was declined by a computer without someone even looking at it!
So how can Ella improve her score?
Firstly, she should try not to overdraw her bank account or go over the limit on her credit card.
She should pay her debts on time, every time.
Ella shouldn’t apply for credit that she doesn’t need, particularly credit cards and store cards.
If she has defaults on her credit file, then she should make sure that they are paid.
Also, it is a good idea not to change jobs or to move house before applying for a loan.
And lastly, Ella should save as big a deposit as she can.
Ella can use the credit score calculator on the Home Loan Experts website to find out specifically what is causing her score to be low.
But what if Ella has found her dream house? What if she needs a home loan NOW?
Each lender credit scores in a different way, and some lenders don’t use credit scoring at all!
Ella called the Home Loan Experts and they were able to choose a lender that actually got a \”human\” to look at her application. The Lender was able to see that Ella wasn’t so bad after all, and approved her loan!
Well done Ella!

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What Is Credit Scoring?

Chelsea vs Villarreal 1-1 (Pens 6:5) Highlights \u0026 Goals – Super Cup Final 2021

Chelsea beat Villarreal 65 in a penalty shootout to lift the Uefa Super Cup for a second time after a draining 120 minutes in Belfast.
Substitute goalkeeper Kepa Arrizabalaga saved captain Raul Albiol’s spotkick at Windsor Park on a night that began superbly for the Blues with an excellent firsthalf performance before the Spaniards stormed back into the contest after the break.
Hakim Ziyech opened the scoring midway through the opening 45 minutes but was then forced off with what looked like a worrying shoulder injury before halftime.
The Spaniards hit the woodwork either side of the break before Gerard Moreno equalised in the 73rd minute to force extra time.
Chelsea, who look set to complete a deal to resign striker Romelu Lukaku for a club record fee of £97.5m from Inter Milan, failed to rediscover their firsthalf vigour in extra time but did come close to a winner through Christian Pulisic and Mason Mount.
It was the first time the Super Cup was played in Northern Ireland and 13,000 spectators generated a fantastic atmosphere in the south Belfast stadium, the highest attendance at any sports event in the country since the outbreak of the Covid19 pandemic.
Kepa was brought off the bench by Chelsea boss Thomas Tuchel just a few minutes before the end of extra time and dived low to his right to save from Albiol his second save of the shootout having also denied Aissa Mandi and spark mass scenes of celebration among the Chelsea players and supporters.
Ziyech’s goal arrived in the 27th minute when the lively Kai Havertz ran on to a ball into the left channel and delivered a precise pullback, with Ziyech directing his shot in despite not getting a clean connection.
Villarreal’s equaliser was the result of a poor clearance out of defence by Antonio Rudiger, with Gerard Moreno feeding Boulaye Dia, whose clever flickreturn to the Spaniard was clinically swept past Edouard Mendy.
It was an equaliser that looked like coming after Alberto Moreno crashed a volley off the underside of the crossbar in firsthalf injury time and Mendy had dived superbly to tip a Gerard Moreno shot on to the post after the keeper had initially given the ball away.
The opening 40 minutes were something of a stroll for Chelsea as they imposed themselves on Villarreal, not giving their Spanish opponents a glimmer of hope until just before the break.
The contrasting styles of captainforthenight N’Golo Kante and Mateo Kovacic in midfield provided a base from which to apply pressure on the Europa League winners, with Kovacic’s diagonal balls to Callum HudsonOdoi on the right particularly penetrating.
Timo Werner had their first chance in the sixth minute, having his closerange volley well saved by Sergio Asenjo, while Kante flashed just wide from 20 yards before Zouma volleyed an excellent chance over the bar.
Ziyech then clashed with Juan Foyth and went down, requiring oxygen treatment and going off the pitch with his right shoulder having to be supported amid a chaotic closing few minutes to the first half.
Tuchel’s side looked flat as the second half got under way and were not helped when the inevitable host of substitutions began being made, though Villarreal deserve credit for taking advantage and giving their enthusiastic supporters something to cheer on their first Super Cup appearance.

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Chelsea vs Villarreal 1-1 (Pens 6:5) Highlights \u0026 Goals - Super Cup Final 2021

A smart new business loan for people with no credit | Shivani Siroya

Trust: How do you earn it? Banks use credit scores to determine if you’re trustworthy, but there are about 2.5 billion people around the world who don’t have one to begin with — and who can’t get a loan to start a business, buy a home or otherwise improve their lives. Hear how TED Fellow Shivani Siroya is unlocking untapped purchasing power in the developing world with InVenture, a startup that uses mobile data to create a financial identity. \”With something as simple as a credit score,\” says Siroya, \”we’re giving people the power to build their own futures.\”
TEDTalks is a daily video podcast of the best talks and performances from the TED Conference, where the world’s leading thinkers and doers give the talk of their lives in 18 minutes (or less). Look for talks on Technology, Entertainment and Design plus science, business, global issues, the arts and much more.
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Subscribe to our channel: http://www.youtube.com/user/TEDtalksDirector

A smart new business loan for people with no credit | Shivani Siroya

Credit Scoring 2.0 – Open Banking Expo 2020 recorded session

Equifax experts discuss the benefits of using Open Banking data sets within Credit Scoring and the additional insight for ‘thin file’ customers. A session recorded at the Open Expo Digifest November 26, 2020.

Credit Scoring 2.0 - Open Banking Expo 2020 recorded session

The Most Important Credit Scoring Model

Summary: Your credit score is calculated by computer models. There are several different credit scoring models that lenders use. Here are two guidelines to help simplify them for you.
New to credit and have no credit score? Check out my free guide on how to build good credit in 7 months
Do you have credit, but it’s not quite where you want it to be? Learn how to improve your credit score with my Credit Comeback guide.

The Most Important Credit Scoring Model

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