{"id":123417,"date":"2025-02-24T07:08:09","date_gmt":"2025-02-24T07:08:09","guid":{"rendered":"https:\/\/dev.occominternet.com\/?p=123417"},"modified":"2025-03-19T10:09:32","modified_gmt":"2025-03-19T10:09:32","slug":"%e4%bf%a1%e7%94%a8%e8%ae%b0%e5%bd%95%e9%82%a3%e4%ba%9b%e4%ba%8b%e5%84%bf","status":"publish","type":"post","link":"https:\/\/dev.occominternet.com\/?p=123417&lang=zh","title":{"rendered":"\u4fe1\u7528\u8bb0\u5f55\u90a3\u4e9b\u4e8b\u513f"},"content":{"rendered":"\n<p>\u5f88\u591a\u4eba\u4f1a\u597d\u5947\u660e\u660e\u5de5\u8d44\u591f\u9ad8\uff0c\u94f6\u884c\u5361\u91cc\u94b1\u4e5f\u591f\u591f\u7684\uff0c\u62b5\u62bc\u7269\u4e5f\u6709\uff0c\u6240\u6709\u8be5\u6ee1\u8db3\u7684\u786c\u4ef6\u6761\u4ef6\u90fd\u6ee1\u8db3\u4e86\uff0c\u53ef\u4e3a\u4ec0\u4e48\u5c31\u662f\u8d37\u4e0d\u4e86\u6b3e\u5462\u6216\u8005\u540c\u6837\u7684\u6761\u4ef6\u4e0b\u4e3a\u4ec0\u4e48\u6211\u4eec\u7684\u5229\u7387\u6bd4\u522b\u4eba\u9ad8\uff1f<\/p>\n\n\n\n<p>\u5176\u5b9e\uff0c\u7b54\u6848\u5728\u8fd9\u91cc\uff0c\u4e0d\u7ba1\u662f\u94f6\u884c\u8fd8\u662f\u5176\u4ed6\u91d1\u878d\u673a\u6784\uff0c\u4ed6\u4eec\u5bf9\u6211\u4eec\u7684\u8bc4\u4f30\u4e0d\u53ea\u662f\u770b\u6211\u4eec\u6240\u8c13\u7684\u786c\u4ef6\u6761\u4ef6\uff0c\u4ed6\u4eec\u8fd8\u4f1a\u8003\u8651\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002<\/p>\n\n\n\n<p>\u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u4fe1\u7528\u79ef\u5206\u5bf9\u6bcf\u4e2a\u4eba\u90fd\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u8fd9\u4e2a\u5206\u6570\u4e0e\u6211\u4eec\u7684\u751f\u6d3b\u662f\u606f\u606f\u76f8\u5173\u7684\u3002\u7b80\u5355\u4e3e\u4f8b\uff0c\u8fd9\u4e2a\u5206\u6570\u662f\u6211\u4eec\u5728\u6fb3\u6d32\u7533\u8bf7\u8d37\u6b3e\uff0c\u4e0d\u7ba1\u662f\u623f\u8d37\uff0c\u5546\u8d37\u8fd8\u662f\u8f66\u8d37\u548c\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u76f4\u63a5\u4e14\u5fc5\u8981\u56e0\u7d20\u4e4b\u4e00\u3002\u5206\u6570\u8d8a\u9ad8\uff0c\u6211\u4eec\u7533\u8bf7\u5404\u79cd\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\u7684\u6210\u529f\u7387\u8d8a\u9ad8\u3002\u6240\u4ee5\u8fd9\u5bf9\u4e8e\u751f\u6d3b\u5728\u6fb3\u6d32\u7684\u4eba\u6765\u8bf4\uff0c\u7279\u522b\u662f\u5bf9\u65b0\u79fb\u6c11\u800c\u8a00\uff0c\u79ef\u7d2f\u826f\u597d\u7684\u4fe1\u7528\u5206\u6570\u662f\u975e\u5e38\u6709\u5fc5\u8981\u7684\u3002<\/p>\n\n\n\n<p>\u9996\u5148\u7ed9\u5927\u5bb6\u5148\u8bb2\u8bb2\u4ec0\u4e48\u662f\u4fe1\u7528\u62a5\u544a\uff08credit report\uff09\u3002\u4fe1\u7528\u62a5\u544a\u662f\u6839\u636e\u6211\u4eec\u7684\u4fe1\u7528\u6863\u6848\uff08credit file\uff09\u751f\u4ea7\u7684\u4e00\u4efd\u62a5\u544a\u3002\u6211\u4eec\u6bcf\u4e2a\u4eba\u90fd\u6709\u81ea\u5df1\u7684\u4fe1\u7528\u6863\u6848\uff0c\u5176\u4e2d\u5305\u542b\u4e86\u6211\u4eec\u7684\u8d22\u52a1\u4fe1\u606f\uff0c\u4f8b\u5982\u8d26\u5355\u652f\u4ed8\u8bb0\u5f55\uff08\u6c34\u3001\u7535\u3001\u7f51\u3001\u7164\u6c14\u7b49\uff09\uff1b\u5546\u4e1a\u8d37\u6b3e\u548c\u4e2a\u4eba\u8d37\u6b3e\u7533\u8bf7\u8bb0\u5f55\uff1b\u6b63\u5e38\u8fd8\u8d37\u8bb0\u5f55\u7b49\u7b49\u4e00\u7cfb\u5217\u6211\u4eec\u6709\u53ef\u80fd\u9020\u6210\u4fe1\u7528\u5206\u6570\u53d8\u52a8\u7684\u8bb0\u5f55\u3002<\/p>\n\n\n\n<p>\u5f53\u6211\u4eec\u7533\u8bf7\u4efb\u4f55\u8d37\u6b3e\uff0c\u751a\u81f3\u7b7e\u624b\u673a\u5408\u540c\uff0c\u5bb6\u91cc\u6c34\uff0c\u7535\uff0c\u7f51\u7edc\u5408\u540c\u7684\u7533\u8bf7\u7684\u8be6\u7ec6\u4fe1\u606f\u90fd\u4f1a\u88ab\u53d1\u9001\u5230\u6fb3\u5927\u5229\u4e9a\u4fe1\u7528\u62a5\u544a\u673a\u6784\uff08Credit Reporting Bodies (CRBs)\uff09\uff0c\u5176\u4e1a\u52a1\u662f\u7ef4\u62a4\u548c\u66f4\u65b0\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002\u7136\u540e\uff0c\u8be5\u62a5\u544a\u53ef\u4f9b\u91d1\u878d\u673a\u6784\u548c\u4fe1\u8d37\u673a\u6784\u53c2\u8003\uff0c\u6839\u636e\u60a8\u4ee5\u5f80\u7684\u501f\u8d37\u548c\u8fd8\u6b3e\u5386\u53f2\uff0c\u8003\u8651\u662f\u5426\u7ed9\u4e88\u60a8\u672a\u6765\u7684\u8d37\u6b3e\u7533\u8bf7\u3002<\/p>\n\n\n\n<p>\u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u5f53\u6211\u4eec\u7533\u8bf7\u4efb\u4f55\u5f62\u5f0f\u7684\u4fe1\u8d37\uff0c\u4f8b\u5982\u8d37\u6b3e\u3001\u4fe1\u7528\u5361\u6216\u4fe1\u7528\u5361\u989d\u5ea6\u5347\u7ea7\u65f6\uff0c\u91d1\u878d\u673a\u6784\u901a\u5e38\u4f1a\u79c1\u4e0b\u786e\u8ba4\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002\u4ed6\u4eec\u53ef\u80fd\u4e0d\u4f1a\u544a\u8bc9\u6211\u4eec\u8be6\u7ec6\u7684\u5185\u90e8\u4fe1\u7528\u8bc4\u7ea7\u4fe1\u606f\uff0c\u4f46\u662f\u4fe1\u7528\u5206\u6570\u7684\u9ad8\u4f4e\u4f1a\u76f4\u63a5\u5f71\u54cd\u6211\u4eec\u7533\u8bf7\u7684\u7ed3\u679c\u3002\u4e00\u4e9b\u8d37\u6b3e\u673a\u6784\u4e5f\u53ef\u80fd\u7528\u4ed6\u4eec\u81ea\u5df1\u7684\u8ba1\u7b97\u7cfb\u7edf\u6765\u8bc4\u4f30\u6211\u4eec\u5b89\u5168\u7cfb\u6570\uff0c\u5176\u4f9d\u636e\u5c31\u662f\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4fdd\u9669\u673a\u6784\uff0c\u6c34\u7535\u7f51\u7164\u7684\u670d\u52a1\u4f9b\u5e94\u5546\u4e5f\u53ef\u80fd\u4f1a\u5ba1\u67e5\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002<\/p>\n\n\n\n<p><strong>\u4e0b\u5217\u662f\u4fe1\u7528\u62a5\u544a\u5305\u542b\u7684\u57fa\u672c\u5185\u5bb9\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e2a\u4eba\u4fe1\u606f\uff08Personal information\uff09\uff1a\u59d3\u540d\uff0c\u6027\u522b\uff0c\u751f\u65e5\uff0c\u5730\u5740\uff0c\u5de5\u4f5c\u5355\u4f4d\uff0c\u9a7e\u7167\u7b49\u57fa\u672c\u4fe1\u606f\u3002<\/li>\n\n\n\n<li>\u8fdd\u7ea6\u8bb0\u5f55\uff08Default notes\uff09\uff1a\u6211\u4eec\u6240\u6709\u7684\u8fdd\u7ea6\u8bb0\u5f55\u90fd\u4f1a\u51fa\u73b0\u8fd9\u4e2a\u62a5\u544a\u91cc\u9762\uff0c\u4f8b\u5982\u672a\u5982\u671f\u507f\u8fd8\u8d37\u6b3e\uff0c\u94f6\u884c\u5c31\u6709\u53ef\u80fd\u7ed9\u6211\u4eec\u4e00\u4e2a\u8fdd\u7ea6\u8bb0\u5f55\u3002<\/li>\n\n\n\n<li>\u88ab\u516c\u5f00\u8bb0\u5f55\u7684\u4fe1\u606f\uff08Public record information\uff09\uff1a\u5176\u4e2d\u5305\u62ec\u7834\u4ea7\u8bb0\u5f55\uff0c\u6cd5\u9662\u4f20\u7968\u53ca\u5224\u51b3\uff0c\u4e2a\u4eba\u7834\u4ea7\u534f\u8bae\u53ca\u8463\u4e8b\u6216\u6240\u6709\u6743\u4fe1\u606f\u3002<\/li>\n\n\n\n<li>\u6d88\u8d39\u4fe1\u7528\u4fe1\u606f\uff08Consumer credit information\uff09\uff1a\u8fd9\u5305\u62ec\u4f60\u5728\u8fc7\u53bb\u4e94\u5e74\u91cc\u6240\u505a\u7684\u4fe1\u7528\u7533\u8bf7\uff08\u4e0d\u8bba\u4ed6\u4eec\u662f\u5426\u88ab\u6279\u51c6\uff09\uff0c\u4f8b\u5982\u4fe1\u7528\u5361\u8d26\u6237\u6216\u4e2a\u4eba\u8d37\u6b3e\u8d26\u6237\uff0c\u5f00\u6237\u65e5\u671f\u548c\u622a\u6b62\u65e5\u671f\uff0c\u4fe1\u7528\u5361\u989d\u5ea6\uff0c\u6bcf\u6708\u8fd8\u6b3e\u8bb0\u5f55\u548c\u903e\u671f\u8d26\u6237\u7684\u8be6\u7ec6\u60c5\u51b5\u3002<\/li>\n\n\n\n<li>\u5546\u4e1a\u4fe1\u7528\u4fe1\u606f\uff08Commercial credit information\uff09\uff1a\u6211\u4eec\u4ee5\u524d\u4e3a\u4e86\u5546\u4e1a\u76ee\u7684\u800c\u8fdb\u884c\u4fe1\u7528\u67e5\u8be2\u7684\u8be6\u7ec6\u8bb0\u5f55\u548c\u5df2\u7ecf\u8fc7\u671f\u7684\u4fe1\u7528\u8d26\u53f7\u3002<\/li>\n\n\n\n<li>\u8054\u540d\u7533\u8bf7\u8005\uff08Joint application\uff09\uff1a\u5982\u679c\u4f60\u662f\u8d37\u6b3e\u6216\u8005\u4fe1\u7528\u5361\u7b49\u7684\u8054\u540d\u7533\u8bf7\u8005\u4e5f\u4f1a\u88ab\u8bb0\u5f55\u5230\u8fd9\u4efd\u62a5\u544a\u91cc\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4fe1\u7528\u6863\u6848\u8bbf\u95ee\u8bb0\u5f55\uff08File access\uff09\uff1a\u4efb\u4f55\u65f6\u5019\u5bf9\u6211\u4eec\u4fe1\u7528\u6863\u6848\u7684\u8bbf\u95ee\u8bb0\u5f55\u90fd\u4f1a\u88ab\u8bb0\u5f55\u5728\u62a5\u544a\u4e2d\u3002\u6839\u636e\u9690\u79c1\u6cd51998\uff0c\u53ea\u6709\u4fe1\u7528\u63d0\u4f9b\u8005\u3001\u62b5\u62bc\u4fdd\u9669\u4eba\u3001\u8d38\u6613\u4fdd\u9669\u4eba\u548c\u6211\u4eec\u6388\u6743\u7684\u4ee3\u7406\u4eba\u53ef\u4ee5\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u8bbf\u95ee\u6211\u4eec\u7684\u4fe1\u7528\u6863\u6848\u3002\u5546\u4e1a\u4fe1\u7528\u548c\u88ab\u516c\u5f00\u8bb0\u5f55\u4fe1\u7528\u4fe1\u606f\u4e5f\u53ef\u4ee5\u88ab\u5546\u4e1a\u4fe1\u7528\u6d3b\u52a8\u76f8\u5173\u7684\u7ec4\u7ec7\u8bbf\u95ee\u3002<\/p>\n\n\n\n<p><strong>\u597d\u5427\uff0c\u73b0\u5728\u5f00\u59cb\u77e5\u8bc6\u70b9\uff08\u6572\u9ed1\u677f\uff01\uff01\uff01\uff09\uff1a\u5230\u5e95\u600e\u6837\u624d\u80fd\u63d0\u9ad8\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u5462\uff1f<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5efa\u7acb\u5065\u5eb7\u7684\u8d26\u6237\uff08Establish healthy accounts\uff09\uff1a\u5f00\u4e00\u4e9b\u4f8b\u5982\u7535\u8bdd\uff0c\u7f51\u7edc\uff0c\u6c34\uff0c\u7535\uff0c\u7164\u6c14\u7684\u8d26\u6237\uff0c\u5e76\u4e14\u5b9a\u671f\u6309\u65f6\u652f\u4ed8\u8d26\u5355\u3002\u8fd9\u662f\u4e00\u79cd\u5efa\u7acb\u6211\u4eec\u826f\u597d\u4fe1\u7528\u5206\u6570\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002<\/li>\n\n\n\n<li>\u51c6\u65f6\u4ed8\u8d26\uff08Make punctual payments\uff09\uff1a\u51c6\u65f6\u4ed8\u8d26\u5355\u7684\u884c\u4e3a\u76f8\u5f53\u4e8e\u7ed9\u5bf9\u65b9\u4e00\u4e2a\u4fe1\u53f7\uff0c\u8ba9\u4ed6\u4eec\u77e5\u9053\u6211\u4eec\u662f\u6709\u80fd\u529b\u652f\u4ed8\u8d26\u5355\u7684\uff0c\u662f\u53ef\u4ee5\u503c\u5f97\u4fe1\u8d56\u7684\u3002<\/li>\n\n\n\n<li>\u8fdc\u79bb\u8d1f\u503a\uff08Stay free of debt\uff09\uff1a\u907f\u514d\u627f\u62c5\u8d1f\u503a\u4e5f\u4f1a\u8bc1\u660e\u6211\u4eec\u6709\u507f\u8fd8\u80fd\u529b\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002\u8fd9\u65f6\u5019\u5bf9\u65b9\u4f1a\u628a\u6211\u4eec\u5b9a\u4f4d\u4e3a\u4e00\u4e2a\u4f4e\u98ce\u9669\u7684\u7533\u8bf7\u4eba\u3002\u5982\u679c\u6211\u4eec\u5df2\u7ecf\u8d1f\u503a\u4e86\uff0c\u6216\u8005\u6211\u4eec\u7684\u4fe1\u7528\u8bb0\u5f55\u8868\u660e\u6211\u4eec\u5728\u7ba1\u7406\u8d44\u91d1\u65b9\u9762\u9047\u5230\u56f0\u96be\uff0c\u8d37\u65b9\u53ef\u80fd\u4e0d\u592a\u613f\u610f\u6279\u51c6\u6211\u4eec\u7684\u7533\u8bf7\u3002<\/li>\n\n\n\n<li>\u8bc1\u660e\u6709\u4e00\u4efd\u7a33\u5b9a\u7684\u5de5\u4f5c\uff08Demonstrating job stability\uff09\uff1a\u6709\u4e00\u4efd\u7a33\u5b9a\u7684\u5de5\u4f5c\u6bd4\u9891\u7e41\u8df3\u69fd\u66f4\u80fd\u5411\u5bf9\u65b9\u8bc1\u660e\u6211\u4eec\u7684\u8d23\u4efb\u611f\u548c\u507f\u8fd8\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u5c45\u4f4f\u5728\u540c\u4e00\u4e2a\u5730\u65b9\uff08Stay in the same place\uff09\uff1a\u5982\u679c\u6211\u4eec\u957f\u671f\u5c45\u4f4f\u5728\u4e00\u4e2a\u5730\u65b9\uff0c\u65e0\u8bba\u662f\u79df\u8d41\u623f\u8fd8\u662f\u81ea\u5df1\u7684\u623f\u5b50\uff0c\u5bf9\u4e8e\u7b2c\u4e09\u65b9\u6765\u8bf4\uff0c\u8fd9\u4e5f\u662f\u5728\u5411\u4ed6\u4eec\u8bc1\u660e\u6211\u4eec\u7684\u8d23\u4efb\u611f\u548c\u507f\u8fd8\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u7533\u8bf7\u4fe1\u7528\u5361\uff08Apply for credit cards\uff09\uff1a\u5728\u6709\u507f\u8fd8\u80fd\u529b\u7684\u524d\u63d0\u4e0b\uff0c\u5efa\u8bae\u65e9\u671f\u53ef\u4ee5\u7533\u8bf7\u5c11\u91cf\u5c0f\u989d\u4fe1\u7528\u5361\uff0c\u8fd9\u6837\u53ef\u4ee5\u66f4\u597d\u7684\u5efa\u7acb\u6211\u4eec\u7684\u4fe1\u7528\u5386\u53f2\uff0c\u4e3a\u6211\u4eec\u672a\u6765\u7533\u8bf7\u5404\u7c7b\u8d37\u6b3e\u63d0\u4f9b\u4fe1\u7528\u8bb0\u5f55\u3002<\/li>\n\n\n\n<li>\u4e0d\u9891\u7e41\u7684\u7533\u8bf7\u4fe1\u7528\u5361\uff08Make infrequent credit card applications\uff09\uff1a\u65e0\u8bba\u662f\u5426\u80fd\u7533\u8bf7\u6210\u529f\uff0c\u6211\u4eec\u6bcf\u6b21\u4fe1\u7528\u5361\u7533\u8bf7\u90fd\u4f1a\u88ab\u8bb0\u5f55\u5230\u6211\u4eec\u7684\u4fe1\u7528\u62a5\u544a\u91cc\u9762\u3002\u7533\u8bf7\u7684\u8d8a\u591a\uff0c\u8fd9\u65e0\u5f62\u4e2d\u662f\u5728\u544a\u8bc9\u522b\u4eba\u6211\u4eec\u7684\u503a\u52a1\u53ef\u80fd\u8d8a\u591a\uff0c\u4ece\u800c\u507f\u8fd8\u80fd\u529b\u53ef\u80fd\u4e0b\u964d\u3002\u8fd9\u4f1a\u5bfc\u81f4\u6211\u4eec\u4fe1\u7528\u5206\u6570\u964d\u4f4e\uff0c\u5f53\u6211\u4eec\u5728\u7533\u8bf7\u5176\u4ed6\u4fe1\u8d37\u65f6\uff0c\u4f1a\u88ab\u63d0\u540d\u4e3a\u9ad8\u98ce\u9669\u8005\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4ee5\u4e0b\u662f\u4fe1\u7528\u62a5\u544a\u673a\u6784Equifax\u7684\u4fe1\u7528\u5206\u6570\u533a\u95f4\u53ca\u610f\u4e49\uff0c\u53ef\u4f9b\u5927\u5bb6\u53c2\u8003:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u7ea7\u522b<\/td><td>\u5206\u6570\u533a\u95f4<\/td><td>\u610f\u4e49<\/td><\/tr><tr><td>\u5b8c\u7f8e Excellent<\/td><td>833-1200<\/td><td>\u4fe1\u7528\u6392\u540d\u5728\u524d20%\uff0c\u6781\u4e0d\u53ef\u80fd\u5728\u672a\u676512\u4e2a\u6708\u5185\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><tr><td>\u975e\u5e38\u597d Very Good<\/td><td>726-832<\/td><td>\u524d20%-40%\uff0c\u4e0d\u592a\u53ef\u80fd\u5728\u672a\u676512\u4e2a\u6708\u5185\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><tr><td>\u597d Good<\/td><td>622-725<\/td><td>\u524d40%-60%\uff0c\u5f88\u5c0f\u53ef\u80fd\u5728\u672a\u676512\u4e2a\u6708\u5185\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><tr><td>\u4e00\u822c Average<\/td><td>510-621<\/td><td>\u524d60%-80%\uff0c\u5728\u672a\u676512\u4e2a\u6708\u5185\u53ef\u80fd\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><tr><td>\u4e00\u822c\u4ee5\u4e0b Below Average<\/td><td>0-509<\/td><td>\u540e20%\uff0c\u5728\u672a\u676512\u4e2a\u6708\u5185\u6781\u6709\u53ef\u80fd\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u6700\u540e\uff0c\u7ed9\u5927\u5bb6\u5206\u4eab\u4e00\u4e9b\u6fb3\u5927\u5229\u4e9a\u67e5\u8be2\u4fe1\u7528\u5206\u6570\u7684\u7f51\u7ad9\u5427\uff1a<\/p>\n\n\n\n<p>GetCreditScore:&nbsp;<a href=\"https:\/\/link.zhihu.com\/?target=https%3A\/\/www.getcreditscore.com.au\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.getcreditscore.com.au<\/a><\/p>\n\n\n\n<p>Creditsimple:&nbsp;<a href=\"https:\/\/link.zhihu.com\/?target=https%3A\/\/www.creditsimple.com.au\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.creditsimple.com.au<\/a><\/p>\n\n\n\n<p>\u7ffb\u8bd1\u81ea\uff1a<a href=\"https:\/\/www.equifax.com\/personal\/education\/credit\/report\/articles\/-\/learn\/understanding-credit-report-history\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.equifax.com\/personal\/education\/credit\/report\/articles\/-\/learn\/understanding-credit-report-history\/<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/occom.com.au\/\" target=\"_blank\" rel=\"noopener\">\u6fb3\u4e16\u7f51\u7edc<\/a>&#8211;<strong>\u5149\u7ea4\u30fb\u901a\u4fe1\u4e13\u5bb6<\/strong><\/p>\n\n\n\n<p>\u6fb3\u4e16\u7f51\u7edc\u662f\u4e00\u5bb6\u4e92\u8054\u7f51\u670d\u52a1\u63d0\u4f9b\u5546\uff0c\u81f4\u529b\u4e8e\u63d0\u4f9b\u66f4\u5feb\u901f\u7684\u5149\u7ea4\u548c\u79fb\u52a8\u670d\u52a1\u53ca\u66f4\u5feb\u6377\u7684\u6280\u672f\u652f\u6301\u3002\u6fb3\u4e16\u88ab\u6210\u5343\u4e0a\u4e07\u7684\u5c45\u6c11\u548c\u5546\u4e1a\u7528\u6237\u6240\u8d5e\u626c\uff0c\u6211\u4eec\u7684\u4ea7\u54c1\u4e5f\u5f97\u5230\u884c\u4e1a\u4e13\u5bb6\u7684\u6743\u5a01\u8ba4\u53ef\u548c\u63a8\u8350\u3002\u4f5c\u4e3a\u5168\u7403\u53ca\u6fb3\u5927\u5229\u4e9a\u9876\u7ea7\u91d1\u878d\u5a92\u4f53\u8bc4\u5b9a\u7684\u4e9a\u592a\u53ca\u5168\u6fb3\u589e\u957f\u6700\u5feb\u7684\u7535\u4fe1\u516c\u53f8\u4e4b\u4e00\uff0c\u6fb3\u4e16\u7684\u670d\u52a1\u8d85\u8d8a\u4e86\u6fb3\u6d32\u7528\u6237\u5bf9\u7f51\u7edc\u5ba2\u670d\u7684\u671f\u5f85\u5e76\u6811\u7acb\u4e86\u884c\u4e1a\u6807\u6746\u3002\u6fb3\u4e16\u7f51\u7edc\u5e74\u8f7b\u3001\u5145\u6ee1\u6fc0\u60c5\u548c\u4e13\u4e1a\u7684\u56e2\u961f\u672a\u6765\u5c06\u4e0d\u65ad\u7a81\u7834\u6781\u9650\uff0c\u521b\u9020\u66f4\u591a\u7684\u53ef\u80fd\u3002<\/p>\n\n\n\n<p>\u7535\u8bdd\uff1a<a href=\"tel:1300200999\">1300 299 999<\/a><br>\u5fae\u4fe1\uff1aoccomaus<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f88\u591a\u4eba\u4f1a\u597d\u5947\u660e\u660e\u5de5\u8d44\u591f\u9ad8\uff0c\u94f6\u884c\u5361\u91cc\u94b1\u4e5f\u591f\u591f\u7684\uff0c\u62b5\u62bc\u7269\u4e5f\u6709\uff0c\u6240\u6709\u8be5\u6ee1\u8db3\u7684\u786c\u4ef6\u6761\u4ef6\u90fd\u6ee1\u8db3\u4e86\uff0c\u53ef\u4e3a\u4ec0\u4e48\u5c31\u662f\u8d37\u4e0d\u4e86\u6b3e\u5462\u6216\u8005\u540c\u6837\u7684\u6761\u4ef6\u4e0b\u4e3a\u4ec0\u4e48\u6211\u4eec\u7684\u5229\u7387\u6bd4\u522b\u4eba\u9ad8\uff1f \u5176\u5b9e\uff0c\u7b54\u6848\u5728\u8fd9\u91cc\uff0c\u4e0d\u7ba1\u662f\u94f6\u884c\u8fd8\u662f\u5176\u4ed6\u91d1\u878d\u673a\u6784\uff0c\u4ed6\u4eec\u5bf9\u6211\u4eec\u7684\u8bc4\u4f30\u4e0d\u53ea\u662f\u770b\u6211\u4eec\u6240\u8c13\u7684\u786c\u4ef6\u6761\u4ef6\uff0c\u4ed6\u4eec\u8fd8\u4f1a\u8003\u8651\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002 \u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u4fe1\u7528\u79ef\u5206\u5bf9\u6bcf\u4e2a\u4eba\u90fd\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u8fd9\u4e2a\u5206\u6570\u4e0e\u6211\u4eec\u7684\u751f\u6d3b\u662f\u606f\u606f\u76f8\u5173\u7684\u3002\u7b80\u5355\u4e3e\u4f8b\uff0c\u8fd9\u4e2a\u5206\u6570\u662f\u6211\u4eec\u5728\u6fb3\u6d32\u7533\u8bf7\u8d37\u6b3e\uff0c\u4e0d\u7ba1\u662f\u623f\u8d37\uff0c\u5546\u8d37\u8fd8\u662f\u8f66\u8d37\u548c\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u76f4\u63a5\u4e14\u5fc5\u8981\u56e0\u7d20\u4e4b\u4e00\u3002\u5206\u6570\u8d8a\u9ad8\uff0c\u6211\u4eec\u7533\u8bf7\u5404\u79cd\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\u7684\u6210\u529f\u7387\u8d8a\u9ad8\u3002\u6240\u4ee5\u8fd9\u5bf9\u4e8e\u751f\u6d3b\u5728\u6fb3\u6d32\u7684\u4eba\u6765\u8bf4\uff0c\u7279\u522b\u662f\u5bf9\u65b0\u79fb\u6c11\u800c\u8a00\uff0c\u79ef\u7d2f\u826f\u597d\u7684\u4fe1\u7528\u5206\u6570\u662f\u975e\u5e38\u6709\u5fc5\u8981\u7684\u3002 \u9996\u5148\u7ed9\u5927\u5bb6\u5148\u8bb2\u8bb2\u4ec0\u4e48\u662f\u4fe1\u7528\u62a5\u544a\uff08credit report\uff09\u3002\u4fe1\u7528\u62a5\u544a\u662f\u6839\u636e\u6211\u4eec\u7684\u4fe1\u7528\u6863\u6848\uff08credit file\uff09\u751f\u4ea7\u7684\u4e00\u4efd\u62a5\u544a\u3002\u6211\u4eec\u6bcf\u4e2a\u4eba\u90fd\u6709\u81ea\u5df1\u7684\u4fe1\u7528\u6863\u6848\uff0c\u5176\u4e2d\u5305\u542b\u4e86\u6211\u4eec\u7684\u8d22\u52a1\u4fe1\u606f\uff0c\u4f8b\u5982\u8d26\u5355\u652f\u4ed8\u8bb0\u5f55\uff08\u6c34\u3001\u7535\u3001\u7f51\u3001\u7164\u6c14\u7b49\uff09\uff1b\u5546\u4e1a\u8d37\u6b3e\u548c\u4e2a\u4eba\u8d37\u6b3e\u7533\u8bf7\u8bb0\u5f55\uff1b\u6b63\u5e38\u8fd8\u8d37\u8bb0\u5f55\u7b49\u7b49\u4e00\u7cfb\u5217\u6211\u4eec\u6709\u53ef\u80fd\u9020\u6210\u4fe1\u7528\u5206\u6570\u53d8\u52a8\u7684\u8bb0\u5f55\u3002 \u5f53\u6211\u4eec\u7533\u8bf7\u4efb\u4f55\u8d37\u6b3e\uff0c\u751a\u81f3\u7b7e\u624b\u673a\u5408\u540c\uff0c\u5bb6\u91cc\u6c34\uff0c\u7535\uff0c\u7f51\u7edc\u5408\u540c\u7684\u7533\u8bf7\u7684\u8be6\u7ec6\u4fe1\u606f\u90fd\u4f1a\u88ab\u53d1\u9001\u5230\u6fb3\u5927\u5229\u4e9a\u4fe1\u7528\u62a5\u544a\u673a\u6784\uff08Credit Reporting Bodies (CRBs)\uff09\uff0c\u5176\u4e1a\u52a1\u662f\u7ef4\u62a4\u548c\u66f4\u65b0\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002\u7136\u540e\uff0c\u8be5\u62a5\u544a\u53ef\u4f9b\u91d1\u878d\u673a\u6784\u548c\u4fe1\u8d37\u673a\u6784\u53c2\u8003\uff0c\u6839\u636e\u60a8\u4ee5\u5f80\u7684\u501f\u8d37\u548c\u8fd8\u6b3e\u5386\u53f2\uff0c\u8003\u8651\u662f\u5426\u7ed9\u4e88\u60a8\u672a\u6765\u7684\u8d37\u6b3e\u7533\u8bf7\u3002 \u5728\u6fb3\u5927\u5229\u4e9a\uff0c\u5f53\u6211\u4eec\u7533\u8bf7\u4efb\u4f55\u5f62\u5f0f\u7684\u4fe1\u8d37\uff0c\u4f8b\u5982\u8d37\u6b3e\u3001\u4fe1\u7528\u5361\u6216\u4fe1\u7528\u5361\u989d\u5ea6\u5347\u7ea7\u65f6\uff0c\u91d1\u878d\u673a\u6784\u901a\u5e38\u4f1a\u79c1\u4e0b\u786e\u8ba4\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002\u4ed6\u4eec\u53ef\u80fd\u4e0d\u4f1a\u544a\u8bc9\u6211\u4eec\u8be6\u7ec6\u7684\u5185\u90e8\u4fe1\u7528\u8bc4\u7ea7\u4fe1\u606f\uff0c\u4f46\u662f\u4fe1\u7528\u5206\u6570\u7684\u9ad8\u4f4e\u4f1a\u76f4\u63a5\u5f71\u54cd\u6211\u4eec\u7533\u8bf7\u7684\u7ed3\u679c\u3002\u4e00\u4e9b\u8d37\u6b3e\u673a\u6784\u4e5f\u53ef\u80fd\u7528\u4ed6\u4eec\u81ea\u5df1\u7684\u8ba1\u7b97\u7cfb\u7edf\u6765\u8bc4\u4f30\u6211\u4eec\u5b89\u5168\u7cfb\u6570\uff0c\u5176\u4f9d\u636e\u5c31\u662f\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4fdd\u9669\u673a\u6784\uff0c\u6c34\u7535\u7f51\u7164\u7684\u670d\u52a1\u4f9b\u5e94\u5546\u4e5f\u53ef\u80fd\u4f1a\u5ba1\u67e5\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002 \u4e0b\u5217\u662f\u4fe1\u7528\u62a5\u544a\u5305\u542b\u7684\u57fa\u672c\u5185\u5bb9\uff1a \u4fe1\u7528\u6863\u6848\u8bbf\u95ee\u8bb0\u5f55\uff08File access\uff09\uff1a\u4efb\u4f55\u65f6\u5019\u5bf9\u6211\u4eec\u4fe1\u7528\u6863\u6848\u7684\u8bbf\u95ee\u8bb0\u5f55\u90fd\u4f1a\u88ab\u8bb0\u5f55\u5728\u62a5\u544a\u4e2d\u3002\u6839\u636e\u9690\u79c1\u6cd51998\uff0c\u53ea\u6709\u4fe1\u7528\u63d0\u4f9b\u8005\u3001\u62b5\u62bc\u4fdd\u9669\u4eba\u3001\u8d38\u6613\u4fdd\u9669\u4eba\u548c\u6211\u4eec\u6388\u6743\u7684\u4ee3\u7406\u4eba\u53ef\u4ee5\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u8bbf\u95ee\u6211\u4eec\u7684\u4fe1\u7528\u6863\u6848\u3002\u5546\u4e1a\u4fe1\u7528\u548c\u88ab\u516c\u5f00\u8bb0\u5f55\u4fe1\u7528\u4fe1\u606f\u4e5f\u53ef\u4ee5\u88ab\u5546\u4e1a\u4fe1\u7528\u6d3b\u52a8\u76f8\u5173\u7684\u7ec4\u7ec7\u8bbf\u95ee\u3002 \u597d\u5427\uff0c\u73b0\u5728\u5f00\u59cb\u77e5\u8bc6\u70b9\uff08\u6572\u9ed1\u677f\uff01\uff01\uff01\uff09\uff1a\u5230\u5e95\u600e\u6837\u624d\u80fd\u63d0\u9ad8\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u5462\uff1f \u4ee5\u4e0b\u662f\u4fe1\u7528\u62a5\u544a\u673a\u6784Equifax\u7684\u4fe1\u7528\u5206\u6570\u533a\u95f4\u53ca\u610f\u4e49\uff0c\u53ef\u4f9b\u5927\u5bb6\u53c2\u8003: \u7ea7\u522b \u5206\u6570\u533a\u95f4 \u610f\u4e49 \u5b8c\u7f8e Excellent 833-1200 \u4fe1\u7528\u6392\u540d\u5728\u524d20%\uff0c\u6781\u4e0d\u53ef\u80fd\u5728\u672a\u676512\u4e2a\u6708\u5185\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6 \u975e\u5e38\u597d Very Good 726-832 \u524d20%-40%\uff0c\u4e0d\u592a\u53ef\u80fd\u5728\u672a\u676512\u4e2a\u6708\u5185\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6 \u597d Good 622-725 \u524d40%-60%\uff0c\u5f88\u5c0f\u53ef\u80fd\u5728\u672a\u676512\u4e2a\u6708\u5185\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6 \u4e00\u822c Average 510-621 \u524d60%-80%\uff0c\u5728\u672a\u676512\u4e2a\u6708\u5185\u53ef\u80fd\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6 \u4e00\u822c\u4ee5\u4e0b Below Average 0-509 \u540e20%\uff0c\u5728\u672a\u676512\u4e2a\u6708\u5185\u6781\u6709\u53ef\u80fd\u53d1\u751f\u4e0d\u826f\u4e8b\u4ef6 \u6700\u540e\uff0c\u7ed9\u5927\u5bb6\u5206\u4eab\u4e00\u4e9b\u6fb3\u5927\u5229\u4e9a\u67e5\u8be2\u4fe1\u7528\u5206\u6570\u7684\u7f51\u7ad9\u5427\uff1a GetCreditScore:&nbsp;https:\/\/www.getcreditscore.com.au Creditsimple:&nbsp;https:\/\/www.creditsimple.com.au \u7ffb\u8bd1\u81ea\uff1ahttps:\/\/www.equifax.com\/personal\/education\/credit\/report\/articles\/-\/learn\/understanding-credit-report-history\/ \u6fb3\u4e16\u7f51\u7edc&#8211;\u5149\u7ea4\u30fb\u901a\u4fe1\u4e13\u5bb6 \u6fb3\u4e16\u7f51\u7edc\u662f\u4e00\u5bb6\u4e92\u8054\u7f51\u670d\u52a1\u63d0\u4f9b\u5546\uff0c\u81f4\u529b\u4e8e\u63d0\u4f9b\u66f4\u5feb\u901f\u7684\u5149\u7ea4\u548c\u79fb\u52a8\u670d\u52a1\u53ca\u66f4\u5feb\u6377\u7684\u6280\u672f\u652f\u6301\u3002\u6fb3\u4e16\u88ab\u6210\u5343\u4e0a\u4e07\u7684\u5c45\u6c11\u548c\u5546\u4e1a\u7528\u6237\u6240\u8d5e\u626c\uff0c\u6211\u4eec\u7684\u4ea7\u54c1\u4e5f\u5f97\u5230\u884c\u4e1a\u4e13\u5bb6\u7684\u6743\u5a01\u8ba4\u53ef\u548c\u63a8\u8350\u3002\u4f5c\u4e3a\u5168\u7403\u53ca\u6fb3\u5927\u5229\u4e9a\u9876\u7ea7\u91d1\u878d\u5a92\u4f53\u8bc4\u5b9a\u7684\u4e9a\u592a\u53ca\u5168\u6fb3\u589e\u957f\u6700\u5feb\u7684\u7535\u4fe1\u516c\u53f8\u4e4b\u4e00\uff0c\u6fb3\u4e16\u7684\u670d\u52a1\u8d85\u8d8a\u4e86\u6fb3\u6d32\u7528\u6237\u5bf9\u7f51\u7edc\u5ba2\u670d\u7684\u671f\u5f85\u5e76\u6811\u7acb\u4e86\u884c\u4e1a\u6807\u6746\u3002\u6fb3\u4e16\u7f51\u7edc\u5e74\u8f7b\u3001\u5145\u6ee1\u6fc0\u60c5\u548c\u4e13\u4e1a\u7684\u56e2\u961f\u672a\u6765\u5c06\u4e0d\u65ad\u7a81\u7834\u6781\u9650\uff0c\u521b\u9020\u66f4\u591a\u7684\u53ef\u80fd\u3002 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