{"id":123419,"date":"2025-02-24T07:25:29","date_gmt":"2025-02-24T07:25:29","guid":{"rendered":"https:\/\/dev.occominternet.com\/?p=123419"},"modified":"2025-03-12T00:33:42","modified_gmt":"2025-03-12T00:33:42","slug":"%e4%bf%a1%e7%94%a8%e8%a8%98%e9%8c%84%e9%82%a3%e4%ba%9b%e4%ba%8b","status":"publish","type":"post","link":"https:\/\/dev.occominternet.com\/?p=123419&lang=zh-hk","title":{"rendered":"\u4fe1\u7528\u8a18\u9304\u90a3\u4e9b\u4e8b"},"content":{"rendered":"\n<p>\u5f88\u591a\u4eba\u6703\u597d\u5947\u660e\u660e\u5de5\u8cc7\u5920\u9ad8\uff0c\u9280\u884c\u5361\u91cc\u9322\u4e5f\u5920\u5920\u7684\uff0c\u62b5\u62bc\u7269\u4e5f\u6709\uff0c\u6240\u6709\u8a72\u6eff\u8db3\u7684\u786c\u9ad4\u689d\u4ef6\u90fd\u6eff\u8db3\u4e86\uff0c\u53ef\u70ba\u4ec0\u9ebc\u5c31\u662f\u8cb8\u4e0d\u4e86\u6b3e\u5462\u6216\u8005\u540c\u6a23\u7684\u689d\u4ef6\u4e0b\u70ba\u4ec0\u9ebc\u6211\u5011\u7684\u5229\u7387\u6bd4\u5225\u4eba\u9ad8\uff1f<\/p>\n\n\n\n<p>\u5176\u5be6\uff0c\u7b54\u6848\u5728\u9019\u88e1\uff0c\u4e0d\u7ba1\u662f\u9280\u884c\u9084\u662f\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\uff0c\u4ed6\u5011\u5c0d\u6211\u5011\u7684\u8a55\u4f30\u4e0d\u53ea\u662f\u770b\u6211\u5011\u6240\u8b02\u7684\u786c\u9ad4\u689d\u4ef6\uff0c\u4ed6\u5011\u9084\u6703\u8003\u616e\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u3002<\/p>\n\n\n\n<p>\u5728\u6fb3\u6d32\uff0c\u4fe1\u7528\u7a4d\u5206\u5c0d\u6bcf\u500b\u4eba\u90fd\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u9019\u500b\u5206\u6578\u8207\u6211\u5011\u7684\u751f\u6d3b\u662f\u606f\u606f\u76f8\u95dc\u7684\u3002\u7c21\u55ae\u8209\u4f8b\uff0c\u9019\u500b\u5206\u6578\u662f\u6211\u5011\u5728\u6fb3\u6d32\u7533\u8acb\u8cb8\u6b3e\uff0c\u4e0d\u7ba1\u662f\u623f\u8cb8\uff0c\u5546\u8cb8\u9084\u662f\u8eca\u8cb8\u548c\u7533\u8acb\u4fe1\u7528\u5361\u7684\u76f4\u63a5\u4e14\u5fc5\u8981\u56e0\u7d20\u4e4b\u4e00\u3002\u5206\u6578\u8d8a\u9ad8\uff0c\u6211\u5011\u7533\u8acb\u5404\u7a2e\u8cb8\u6b3e\u548c\u4fe1\u7528\u5361\u7684\u6210\u529f\u7387\u8d8a\u9ad8\u3002\u6240\u4ee5\u9019\u5c0d\u65bc\u751f\u6d3b\u5728\u6fb3\u6d32\u7684\u4eba\u4f86\u8aaa\uff0c\u7279\u5225\u662f\u5c0d\u65b0\u79fb\u6c11\u800c\u8a00\uff0c\u7d2f\u7a4d\u826f\u597d\u7684\u4fe1\u7528\u5206\u6578\u662f\u975e\u5e38\u5fc5\u8981\u7684\u3002<\/p>\n\n\n\n<p>\u9996\u5148\u8ddf\u5927\u5bb6\u5148\u8b1b\u8b1b\u4ec0\u9ebc\u662f\u4fe1\u7528\u5831\u544a\uff08credit report\uff09\u3002\u4fe1\u7528\u5831\u544a\u662f\u6839\u64da\u6211\u5011\u7684\u4fe1\u7528\u6a94\u6848\uff08credit file\uff09\u751f\u7522\u7684\u4e00\u4efd\u5831\u544a\u3002\u6211\u5011\u6bcf\u500b\u4eba\u90fd\u6709\u81ea\u5df1\u7684\u4fe1\u7528\u6a94\u6848\uff0c\u5176\u4e2d\u5305\u542b\u4e86\u6211\u5011\u7684\u8ca1\u52d9\u4fe1\u606f\uff0c\u4f8b\u5982\u8cec\u55ae\u652f\u4ed8\u8a18\u9304\uff08\u6c34\u3001\u96fb\u3001\u7db2\u3001\u7164\u6c23\u7b49\uff09\uff1b\u5546\u696d\u8cb8\u6b3e\u548c\u500b\u4eba\u8cb8\u6b3e\u7533\u8acb\u8a18\u9304\uff1b\u6b63\u5e38\u9084\u8cb8\u8a18\u9304\u7b49\u7b49\u4e00\u7cfb\u5217\u6211\u5011\u6709\u53ef\u80fd\u9020\u6210\u4fe1\u7528\u5206\u6578\u8b8a\u52d5\u7684\u8a18\u9304\u3002<\/p>\n\n\n\n<p>\u7576\u6211\u5011\u7533\u8acb\u4efb\u4f55\u8cb8\u6b3e\uff0c\u751a\u81f3\u7c3d\u624b\u6a5f\u5408\u540c\uff0c\u5bb6\u88e1\u6c34\uff0c\u96fb\uff0c\u7db2\u7d61\u5408\u540c\u7684\u7533\u8acb\u7684\u8a73\u7d30\u4fe1\u606f\u90fd\u6703\u88ab\u767c\u9001\u5230\u6fb3\u5927\u5229\u4e9e\u4fe1\u7528\u5831\u544a\u6a5f\u69cb\uff08Credit Reporting Bodies (CRBs)\uff09\uff0c\u5176\u696d\u52d9\u662f\u7dad\u8b77\u548c\u66f4\u65b0\u4f60\u7684\u4fe1\u7528\u5831\u544a\u3002\u7136\u5f8c\uff0c\u8a72\u5831\u544a\u53ef\u4f9b\u91d1\u878d\u6a5f\u69cb\u548c\u4fe1\u8cb8\u6a5f\u69cb\u53c3\u8003\uff0c\u6839\u64da\u60a8\u4ee5\u5f80\u7684\u501f\u8cb8\u548c\u9084\u6b3e\u6b77\u53f2\uff0c\u8003\u616e\u662f\u5426\u7d66\u4e88\u60a8\u672a\u4f86\u7684\u8cb8\u6b3e\u7533\u8acb\u3002<\/p>\n\n\n\n<p>\u5728\u6fb3\u6d32\uff0c\u7576\u6211\u5011\u7533\u8acb\u4efb\u4f55\u5f62\u5f0f\u7684\u4fe1\u8cb8\uff0c\u4f8b\u5982\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u6216\u4fe1\u7528\u5361\u984d\u5ea6\u5347\u7d1a\u6642\uff0c\u91d1\u878d\u6a5f\u69cb\u901a\u5e38\u6703\u79c1\u4e0b\u78ba\u8a8d\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u3002\u4ed6\u5011\u53ef\u80fd\u4e0d\u6703\u544a\u8a34\u6211\u5011\u8a73\u7d30\u7684\u5167\u90e8\u4fe1\u7528\u8a55\u7d1a\u4fe1\u606f\uff0c\u4f46\u662f\u4fe1\u7528\u5206\u6578\u7684\u9ad8\u4f4e\u6703\u76f4\u63a5\u5f71\u97ff\u6211\u5011\u7533\u8acb\u7684\u7d50\u679c\u3002\u6709\u4e9b\u8cb8\u6b3e\u6a5f\u69cb\u4e5f\u53ef\u80fd\u7528\u4ed6\u5011\u81ea\u5df1\u7684\u8a08\u7b97\u7cfb\u7d71\u4f86\u8a55\u4f30\u6211\u5011\u5b89\u5168\u4fc2\u6578\uff0c\u5176\u4f9d\u64da\u5c31\u662f\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4fdd\u96aa\u6a5f\u69cb\uff0c\u6c34\u96fb\u7db2\u7164\u7684\u670d\u52d9\u4f9b\u61c9\u5546\u4e5f\u53ef\u80fd\u6703\u5be9\u67e5\u4f60\u7684\u4fe1\u7528\u5831\u544a\u3002<\/p>\n\n\n\n<p><strong>\u4e0b\u5217\u662f\u4fe1\u7528\u5831\u544a\u5305\u542b\u7684\u57fa\u672c\u5167\u5bb9\uff1a<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u500b\u4eba\u8cc7\u8a0a\uff08Personal information\uff09\uff1a\u59d3\u540d\uff0c\u6027\u5225\uff0c\u751f\u65e5\uff0c\u5730\u5740\uff0c\u5de5\u4f5c\u55ae\u4f4d\uff0c\u99d5\u7167\u7b49\u57fa\u672c\u8a0a\u606f\u3002<\/li>\n\n\n\n<li>\u9055\u7d04\u8a18\u9304\uff08Default notes\uff09\uff1a\u6211\u5011\u6240\u6709\u7684\u9055\u7d04\u8a18\u9304\u90fd\u6703\u51fa\u73fe\u9019\u500b\u5831\u544a\u88e1\u9762\uff0c\u4f8b\u5982\u672a\u5982\u671f\u511f\u9084\u8cb8\u6b3e\uff0c\u9280\u884c\u5c31\u6709\u53ef\u80fd\u7d66\u6211\u5011\u4e00\u500b\u9055\u7d04\u8a18\u9304\u3002<\/li>\n\n\n\n<li>\u88ab\u516c\u958b\u8a18\u9304\u7684\u8cc7\u8a0a\uff08Public record information\uff09\uff1a\u5176\u4e2d\u5305\u62ec\u7834\u7522\u8a18\u9304\uff0c\u6cd5\u9662\u50b3\u7968\u53ca\u5224\u6c7a\uff0c\u500b\u4eba\u7834\u7522\u5354\u8b70\u53ca\u8463\u4e8b\u6216\u6240\u6709\u6b0a\u4fe1\u606f\u3002<\/li>\n\n\n\n<li>\u6d88\u8cbb\u4fe1\u7528\u8cc7\u8a0a\uff08Consumer credit information\uff09\uff1a\u9019\u5305\u62ec\u4f60\u5728\u904e\u53bb\u4e94\u5e74\u88e1\u6240\u505a\u7684\u4fe1\u7528\u7533\u8acb\uff08\u4e0d\u8ad6\u4ed6\u5011\u662f\u5426\u88ab\u6279\u51c6\uff09\uff0c\u4f8b\u5982\u4fe1\u7528\u5361\u5e33\u6236\u6216\u500b\u4eba\u8cb8\u6b3e\u5e33\u6236\uff0c\u958b\u6236\u65e5\u671f\u548c\u622a\u6b62\u65e5\u671f\uff0c\u4fe1\u7528\u5361\u984d\u5ea6\uff0c\u6bcf\u6708\u9084\u6b3e\u8a18\u9304\u548c\u903e\u671f\u5e33\u6236\u7684\u8a73\u7d30\u60c5\u6cc1\u3002<\/li>\n\n\n\n<li>\u5546\u696d\u4fe1\u7528\u8cc7\u8a0a\uff08Commercial credit information\uff09\uff1a\u6211\u5011\u4ee5\u524d\u70ba\u4e86\u5546\u696d\u76ee\u7684\u800c\u9032\u884c\u4fe1\u7528\u67e5\u8a62\u7684\u8a73\u7d30\u8a18\u9304\u548c\u5df2\u7d93\u904e\u671f\u7684\u4fe1\u7528\u5e33\u865f\u3002<\/li>\n\n\n\n<li>\u806f\u540d\u7533\u8acb\u8005\uff08Joint application\uff09\uff1a\u5982\u679c\u4f60\u662f\u8cb8\u6b3e\u6216\u4fe1\u7528\u5361\u7b49\u7684\u806f\u540d\u7533\u8acb\u8005\u4e5f\u6703\u88ab\u8a18\u9304\u5230\u9019\u4efd\u5831\u544a\u88e1\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u4fe1\u7528\u6a94\u6848\u5b58\u53d6\u8a18\u9304\uff08File access\uff09\uff1a\u4efb\u4f55\u6642\u5019\u5c0d\u6211\u5011\u4fe1\u7528\u6a94\u6848\u7684\u5b58\u53d6\u8a18\u9304\u90fd\u6703\u88ab\u8a18\u9304\u5728\u5831\u544a\u4e2d\u3002\u6839\u64da\u96b1\u79c1\u6b0a\u6cd51998\uff0c\u53ea\u6709\u4fe1\u7528\u63d0\u4f9b\u8005\u3001\u62b5\u62bc\u4fdd\u96aa\u4eba\u3001\u8cbf\u6613\u4fdd\u96aa\u4eba\u548c\u6211\u5011\u6388\u6b0a\u7684\u4ee3\u7406\u4eba\u53ef\u4ee5\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\u5b58\u53d6\u6211\u5011\u7684\u4fe1\u7528\u6a94\u6848\u3002\u5546\u696d\u4fe1\u7528\u548c\u88ab\u516c\u958b\u8a18\u9304\u4fe1\u7528\u8cc7\u8a0a\u4e5f\u53ef\u4ee5\u88ab\u5546\u696d\u4fe1\u7528\u6d3b\u52d5\u76f8\u95dc\u7684\u7d44\u7e54\u8a2a\u554f\u3002<\/p>\n\n\n\n<p><strong>\u597d\u5427\uff0c\u73fe\u5728\u958b\u59cb\u77e5\u8b58\u9ede\uff08\u6572\u9ed1\u677f\uff01\uff01\uff01\uff09\uff1a\u5230\u5e95\u600e\u6a23\u624d\u80fd\u63d0\u9ad8\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u5462\uff1f<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5efa\u7acb\u5065\u5eb7\u7684\u5e33\u6236\uff08Establish healthy accounts\uff09\uff1a\u958b\u4e00\u4e9b\u4f8b\u5982\u96fb\u8a71\uff0c\u7db2\u7d61\uff0c\u6c34\uff0c\u96fb\uff0c\u7164\u6c23\u7684\u5e33\u6236\uff0c\u4e26\u4e14\u5b9a\u671f\u6309\u6642\u652f\u4ed8\u8cec\u55ae\u3002\u9019\u662f\u4e00\u7a2e\u5efa\u7acb\u6211\u5011\u826f\u597d\u4fe1\u7528\u5206\u6578\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002<\/li>\n\n\n\n<li>\u6e96\u6642\u4ed8\u5e33\uff08Make punctual payments\uff09\uff1a\u6e96\u6642\u4ed8\u5e33\u55ae\u7684\u884c\u70ba\u76f8\u7576\u65bc\u7d66\u5c0d\u65b9\u4e00\u500b\u8a0a\u865f\uff0c\u8b93\u4ed6\u5011\u77e5\u9053\u6211\u5011\u662f\u6709\u80fd\u529b\u652f\u4ed8\u5e33\u55ae\u7684\uff0c\u662f\u53ef\u4ee5\u503c\u5f97\u4fe1\u8cf4\u7684\u3002<\/li>\n\n\n\n<li>\u9060\u96e2\u8ca0\u50b5\uff08Stay free of debt\uff09\uff1a\u907f\u514d\u627f\u64d4\u8ca0\u50b5\u4e5f\u6703\u8b49\u660e\u6211\u5011\u6709\u511f\u9084\u80fd\u529b\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002\u9019\u6642\u5019\u5c0d\u65b9\u6703\u628a\u6211\u5011\u5b9a\u4f4d\u70ba\u4e00\u500b\u4f4e\u98a8\u96aa\u7684\u7533\u8acb\u4eba\u3002\u5982\u679c\u6211\u5011\u5df2\u7d93\u8ca0\u50b5\u4e86\uff0c\u6216\u8005\u6211\u5011\u7684\u4fe1\u7528\u8a18\u9304\u986f\u793a\u6211\u5011\u5728\u7ba1\u7406\u8cc7\u91d1\u65b9\u9762\u9047\u5230\u56f0\u96e3\uff0c\u8cb8\u65b9\u53ef\u80fd\u4e0d\u592a\u9858\u610f\u6279\u51c6\u6211\u5011\u7684\u7533\u8acb\u3002<\/li>\n\n\n\n<li>\u8b49\u660e\u6709\u4e00\u4efd\u7a69\u5b9a\u7684\u5de5\u4f5c\uff08Demonstrating job stability\uff09\uff1a\u6709\u4e00\u4efd\u7a69\u5b9a\u7684\u5de5\u4f5c\u6bd4\u983b\u7e41\u8df3\u69fd\u66f4\u80fd\u5411\u5c0d\u65b9\u8b49\u660e\u6211\u5011\u7684\u8cac\u4efb\u611f\u548c\u511f\u9084\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u5c45\u4f4f\u5728\u540c\u4e00\u500b\u5730\u65b9\uff08Stay in the same place\uff09\uff1a\u5982\u679c\u6211\u5011\u9577\u671f\u5c45\u4f4f\u5728\u4e00\u500b\u5730\u65b9\uff0c\u7121\u8ad6\u662f\u79df\u8cc3\u623f\u9084\u662f\u81ea\u5df1\u7684\u623f\u5b50\uff0c\u5c0d\u65bc\u7b2c\u4e09\u65b9\u4f86\u8aaa\uff0c\u9019\u4e5f\u662f\u5728\u5411\u4ed6\u5011\u8b49\u660e\u6211\u5011\u7684\u8cac\u4efb\u611f\u548c\u511f\u9084\u80fd\u529b\u3002<\/li>\n\n\n\n<li>\u7533\u8acb\u4fe1\u7528\u5361\uff08Apply for credit cards\uff09\uff1a\u5728\u6709\u511f\u9084\u80fd\u529b\u7684\u524d\u63d0\u4e0b\uff0c\u5efa\u8b70\u65e9\u671f\u53ef\u4ee5\u7533\u8acb\u5c11\u91cf\u5c0f\u984d\u4fe1\u7528\u5361\uff0c\u9019\u6a23\u53ef\u4ee5\u66f4\u597d\u7684\u5efa\u7acb\u6211\u5011\u7684\u4fe1\u7528\u6b77\u53f2\uff0c\u70ba\u6211\u5011\u672a\u4f86\u7533\u8acb\u5404\u985e\u8cb8\u6b3e\u63d0\u4f9b\u4fe1\u7528\u8a18\u9304\u3002<\/li>\n\n\n\n<li>\u4e0d\u983b\u7e41\u7684\u7533\u8acb\u4fe1\u7528\u5361\uff08Make infrequent credit card applications\uff09\uff1a\u7121\u8ad6\u662f\u5426\u80fd\u7533\u8acb\u6210\u529f\uff0c\u6211\u5011\u6bcf\u6b21\u4fe1\u7528\u5361\u7533\u8acb\u90fd\u6703\u88ab\u8a18\u9304\u5230\u6211\u5011\u7684\u4fe1\u7528\u5831\u544a\u88e1\u9762\u3002\u7533\u8acb\u7684\u8d8a\u591a\uff0c\u9019\u7121\u5f62\u4e2d\u662f\u5728\u544a\u8a34\u5225\u4eba\u6211\u5011\u7684\u50b5\u52d9\u53ef\u80fd\u8d8a\u591a\uff0c\u5f9e\u800c\u511f\u9084\u80fd\u529b\u53ef\u80fd\u6703\u4e0b\u964d\u3002\u9019\u6703\u5c0e\u81f4\u6211\u5011\u4fe1\u7528\u5206\u6578\u964d\u4f4e\uff0c\u7576\u6211\u5011\u5728\u7533\u8acb\u5176\u4ed6\u4fe1\u8cb8\u6642\uff0c\u6703\u88ab\u63d0\u540d\u70ba\u9ad8\u98a8\u96aa\u8005\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u4ee5\u4e0b\u662f\u4fe1\u7528\u5831\u544a\u6a5f\u69cb Equifax \u7684\u4fe1\u7528\u5206\u6578\u5340\u9593\u53ca\u610f\u7fa9\uff0c\u53ef\u4f9b\u5927\u5bb6\u53c3\u8003:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u7d1a\u5225<\/td><td>\u5206\u6578\u5340\u9593<\/td><td>\u610f\u7fa9<\/td><\/tr><tr><td>\u5b8c\u7f8e Excellent<\/td><td>833-1200<\/td><td>\u4fe1\u7528\u6392\u540d\u5728\u524d20%\uff0c\u6975\u4e0d\u53ef\u80fd\u5728\u672a\u4f8612\u500b\u6708\u5167\u767c\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\u4f8612\u500b\u6708\u5167\u767c\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\u4f8612\u500b\u6708\u5167\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><tr><td>\u4e00\u822c Average<\/td><td>510-621<\/td><td>\u524d60%-80%\uff0c\u5728\u672a\u4f8612\u500b\u6708\u5167\u53ef\u80fd\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><tr><td>\u4e00\u822c\u4ee5\u4e0b Below Average<\/td><td>0-509<\/td><td>\u5f8c20%\uff0c\u5728\u672a\u4f8612\u500b\u6708\u5167\u6975\u6709\u53ef\u80fd\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u6700\u5f8c\uff0c\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u4e9b\u6fb3\u6d32\u67e5\u8a62\u4fe1\u7528\u5206\u6578\u7684\u7db2\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\u8b6f\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\u7db2\u7d61<\/a>&#8211;<strong>\u5149\u7e96\u30fb\u901a\u4fe1\u5c08\u5bb6<\/strong><\/p>\n\n\n\n<p>\u6fb3\u4e16\u7db2\u7d61\u662f\u4e00\u5bb6\u4e92\u806f\u7db2\u670d\u52d9\u63d0\u4f9b\u5546\uff0c\u81f4\u529b\u65bc\u63d0\u4f9b\u66f4\u5feb\u901f\u7684\u5149\u7e96\u548c\u79fb\u52d5\u670d\u52d9\u53ca\u66f4\u5feb\u6377\u7684\u6280\u8853\u652f\u6301\u3002\u6fb3\u4e16\u88ab\u6210\u5343\u4e0a\u842c\u7684\u5c45\u6c11\u548c\u5546\u696d\u7528\u6236\u6240\u8b9a\u63da\uff0c\u6211\u5011\u7684\u7522\u54c1\u4e5f\u5f97\u5230\u884c\u696d\u5c08\u5bb6\u7684\u6b0a\u5a01\u8a8d\u53ef\u548c\u63a8\u85a6\u3002\u4f5c\u70ba\u5168\u7403\u53ca\u6fb3\u5927\u5229\u4e9e\u9802\u7d1a\u91d1\u878d\u5a92\u9ad4\u8a55\u5b9a\u7684\u4e9e\u592a\u53ca\u5168\u6fb3\u589e\u9577\u6700\u5feb\u7684\u96fb\u4fe1\u516c\u53f8\u4e4b\u4e00\uff0c\u6fb3\u4e16\u7684\u670d\u52d9\u8d85\u8d8a\u4e86\u6fb3\u6d32\u7528\u6236\u5c0d\u7db2\u7d61\u5ba2\u670d\u7684\u671f\u5f85\u4e26\u6a39\u7acb\u4e86\u884c\u696d\u6a19\u687f\u3002\u6fb3\u4e16\u7db2\u7d61\u5e74\u8f15\u3001\u5145\u6eff\u6fc0\u60c5\u548c\u5c08\u696d\u7684\u5718\u968a\u672a\u4f86\u5c07\u4e0d\u65b7\u7a81\u7834\u6975\u9650\uff0c\u5275\u9020\u66f4\u591a\u7684\u53ef\u80fd\u3002<\/p>\n\n\n\n<p>\u96fb\u8a71\uff1a<a href=\"tel:1300200999\">1300 200 999<\/a><br>\u5ba2\u670d\uff1a<a href=\"tel:1300299999\">1300 299 999<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f88\u591a\u4eba\u6703\u597d\u5947\u660e\u660e\u5de5\u8cc7\u5920\u9ad8\uff0c\u9280\u884c\u5361\u91cc\u9322\u4e5f\u5920\u5920\u7684\uff0c\u62b5\u62bc\u7269\u4e5f\u6709\uff0c\u6240\u6709\u8a72\u6eff\u8db3\u7684\u786c\u9ad4\u689d\u4ef6\u90fd\u6eff\u8db3\u4e86\uff0c\u53ef\u70ba\u4ec0\u9ebc\u5c31\u662f\u8cb8\u4e0d\u4e86\u6b3e\u5462\u6216\u8005\u540c\u6a23\u7684\u689d\u4ef6\u4e0b\u70ba\u4ec0\u9ebc\u6211\u5011\u7684\u5229\u7387\u6bd4\u5225\u4eba\u9ad8\uff1f \u5176\u5be6\uff0c\u7b54\u6848\u5728\u9019\u88e1\uff0c\u4e0d\u7ba1\u662f\u9280\u884c\u9084\u662f\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\uff0c\u4ed6\u5011\u5c0d\u6211\u5011\u7684\u8a55\u4f30\u4e0d\u53ea\u662f\u770b\u6211\u5011\u6240\u8b02\u7684\u786c\u9ad4\u689d\u4ef6\uff0c\u4ed6\u5011\u9084\u6703\u8003\u616e\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u3002 \u5728\u6fb3\u6d32\uff0c\u4fe1\u7528\u7a4d\u5206\u5c0d\u6bcf\u500b\u4eba\u90fd\u662f\u975e\u5e38\u91cd\u8981\u7684\u3002\u9019\u500b\u5206\u6578\u8207\u6211\u5011\u7684\u751f\u6d3b\u662f\u606f\u606f\u76f8\u95dc\u7684\u3002\u7c21\u55ae\u8209\u4f8b\uff0c\u9019\u500b\u5206\u6578\u662f\u6211\u5011\u5728\u6fb3\u6d32\u7533\u8acb\u8cb8\u6b3e\uff0c\u4e0d\u7ba1\u662f\u623f\u8cb8\uff0c\u5546\u8cb8\u9084\u662f\u8eca\u8cb8\u548c\u7533\u8acb\u4fe1\u7528\u5361\u7684\u76f4\u63a5\u4e14\u5fc5\u8981\u56e0\u7d20\u4e4b\u4e00\u3002\u5206\u6578\u8d8a\u9ad8\uff0c\u6211\u5011\u7533\u8acb\u5404\u7a2e\u8cb8\u6b3e\u548c\u4fe1\u7528\u5361\u7684\u6210\u529f\u7387\u8d8a\u9ad8\u3002\u6240\u4ee5\u9019\u5c0d\u65bc\u751f\u6d3b\u5728\u6fb3\u6d32\u7684\u4eba\u4f86\u8aaa\uff0c\u7279\u5225\u662f\u5c0d\u65b0\u79fb\u6c11\u800c\u8a00\uff0c\u7d2f\u7a4d\u826f\u597d\u7684\u4fe1\u7528\u5206\u6578\u662f\u975e\u5e38\u5fc5\u8981\u7684\u3002 \u9996\u5148\u8ddf\u5927\u5bb6\u5148\u8b1b\u8b1b\u4ec0\u9ebc\u662f\u4fe1\u7528\u5831\u544a\uff08credit report\uff09\u3002\u4fe1\u7528\u5831\u544a\u662f\u6839\u64da\u6211\u5011\u7684\u4fe1\u7528\u6a94\u6848\uff08credit file\uff09\u751f\u7522\u7684\u4e00\u4efd\u5831\u544a\u3002\u6211\u5011\u6bcf\u500b\u4eba\u90fd\u6709\u81ea\u5df1\u7684\u4fe1\u7528\u6a94\u6848\uff0c\u5176\u4e2d\u5305\u542b\u4e86\u6211\u5011\u7684\u8ca1\u52d9\u4fe1\u606f\uff0c\u4f8b\u5982\u8cec\u55ae\u652f\u4ed8\u8a18\u9304\uff08\u6c34\u3001\u96fb\u3001\u7db2\u3001\u7164\u6c23\u7b49\uff09\uff1b\u5546\u696d\u8cb8\u6b3e\u548c\u500b\u4eba\u8cb8\u6b3e\u7533\u8acb\u8a18\u9304\uff1b\u6b63\u5e38\u9084\u8cb8\u8a18\u9304\u7b49\u7b49\u4e00\u7cfb\u5217\u6211\u5011\u6709\u53ef\u80fd\u9020\u6210\u4fe1\u7528\u5206\u6578\u8b8a\u52d5\u7684\u8a18\u9304\u3002 \u7576\u6211\u5011\u7533\u8acb\u4efb\u4f55\u8cb8\u6b3e\uff0c\u751a\u81f3\u7c3d\u624b\u6a5f\u5408\u540c\uff0c\u5bb6\u88e1\u6c34\uff0c\u96fb\uff0c\u7db2\u7d61\u5408\u540c\u7684\u7533\u8acb\u7684\u8a73\u7d30\u4fe1\u606f\u90fd\u6703\u88ab\u767c\u9001\u5230\u6fb3\u5927\u5229\u4e9e\u4fe1\u7528\u5831\u544a\u6a5f\u69cb\uff08Credit Reporting Bodies (CRBs)\uff09\uff0c\u5176\u696d\u52d9\u662f\u7dad\u8b77\u548c\u66f4\u65b0\u4f60\u7684\u4fe1\u7528\u5831\u544a\u3002\u7136\u5f8c\uff0c\u8a72\u5831\u544a\u53ef\u4f9b\u91d1\u878d\u6a5f\u69cb\u548c\u4fe1\u8cb8\u6a5f\u69cb\u53c3\u8003\uff0c\u6839\u64da\u60a8\u4ee5\u5f80\u7684\u501f\u8cb8\u548c\u9084\u6b3e\u6b77\u53f2\uff0c\u8003\u616e\u662f\u5426\u7d66\u4e88\u60a8\u672a\u4f86\u7684\u8cb8\u6b3e\u7533\u8acb\u3002 \u5728\u6fb3\u6d32\uff0c\u7576\u6211\u5011\u7533\u8acb\u4efb\u4f55\u5f62\u5f0f\u7684\u4fe1\u8cb8\uff0c\u4f8b\u5982\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u6216\u4fe1\u7528\u5361\u984d\u5ea6\u5347\u7d1a\u6642\uff0c\u91d1\u878d\u6a5f\u69cb\u901a\u5e38\u6703\u79c1\u4e0b\u78ba\u8a8d\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u3002\u4ed6\u5011\u53ef\u80fd\u4e0d\u6703\u544a\u8a34\u6211\u5011\u8a73\u7d30\u7684\u5167\u90e8\u4fe1\u7528\u8a55\u7d1a\u4fe1\u606f\uff0c\u4f46\u662f\u4fe1\u7528\u5206\u6578\u7684\u9ad8\u4f4e\u6703\u76f4\u63a5\u5f71\u97ff\u6211\u5011\u7533\u8acb\u7684\u7d50\u679c\u3002\u6709\u4e9b\u8cb8\u6b3e\u6a5f\u69cb\u4e5f\u53ef\u80fd\u7528\u4ed6\u5011\u81ea\u5df1\u7684\u8a08\u7b97\u7cfb\u7d71\u4f86\u8a55\u4f30\u6211\u5011\u5b89\u5168\u4fc2\u6578\uff0c\u5176\u4f9d\u64da\u5c31\u662f\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4fdd\u96aa\u6a5f\u69cb\uff0c\u6c34\u96fb\u7db2\u7164\u7684\u670d\u52d9\u4f9b\u61c9\u5546\u4e5f\u53ef\u80fd\u6703\u5be9\u67e5\u4f60\u7684\u4fe1\u7528\u5831\u544a\u3002 \u4e0b\u5217\u662f\u4fe1\u7528\u5831\u544a\u5305\u542b\u7684\u57fa\u672c\u5167\u5bb9\uff1a \u4fe1\u7528\u6a94\u6848\u5b58\u53d6\u8a18\u9304\uff08File access\uff09\uff1a\u4efb\u4f55\u6642\u5019\u5c0d\u6211\u5011\u4fe1\u7528\u6a94\u6848\u7684\u5b58\u53d6\u8a18\u9304\u90fd\u6703\u88ab\u8a18\u9304\u5728\u5831\u544a\u4e2d\u3002\u6839\u64da\u96b1\u79c1\u6b0a\u6cd51998\uff0c\u53ea\u6709\u4fe1\u7528\u63d0\u4f9b\u8005\u3001\u62b5\u62bc\u4fdd\u96aa\u4eba\u3001\u8cbf\u6613\u4fdd\u96aa\u4eba\u548c\u6211\u5011\u6388\u6b0a\u7684\u4ee3\u7406\u4eba\u53ef\u4ee5\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\u5b58\u53d6\u6211\u5011\u7684\u4fe1\u7528\u6a94\u6848\u3002\u5546\u696d\u4fe1\u7528\u548c\u88ab\u516c\u958b\u8a18\u9304\u4fe1\u7528\u8cc7\u8a0a\u4e5f\u53ef\u4ee5\u88ab\u5546\u696d\u4fe1\u7528\u6d3b\u52d5\u76f8\u95dc\u7684\u7d44\u7e54\u8a2a\u554f\u3002 \u597d\u5427\uff0c\u73fe\u5728\u958b\u59cb\u77e5\u8b58\u9ede\uff08\u6572\u9ed1\u677f\uff01\uff01\uff01\uff09\uff1a\u5230\u5e95\u600e\u6a23\u624d\u80fd\u63d0\u9ad8\u6211\u5011\u7684\u4fe1\u7528\u5206\u6578\u5462\uff1f \u4ee5\u4e0b\u662f\u4fe1\u7528\u5831\u544a\u6a5f\u69cb Equifax \u7684\u4fe1\u7528\u5206\u6578\u5340\u9593\u53ca\u610f\u7fa9\uff0c\u53ef\u4f9b\u5927\u5bb6\u53c3\u8003: \u7d1a\u5225 \u5206\u6578\u5340\u9593 \u610f\u7fa9 \u5b8c\u7f8e Excellent 833-1200 \u4fe1\u7528\u6392\u540d\u5728\u524d20%\uff0c\u6975\u4e0d\u53ef\u80fd\u5728\u672a\u4f8612\u500b\u6708\u5167\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6 \u975e\u5e38\u597d Very Good 726-832 \u524d20%-40%\uff0c\u4e0d\u592a\u53ef\u80fd\u5728\u672a\u4f8612\u500b\u6708\u5167\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6 \u597d Good 622-725 \u524d40%-60%\uff0c\u5f88\u5c0f\u53ef\u80fd\u5728\u672a\u4f8612\u500b\u6708\u5167\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6 \u4e00\u822c Average 510-621 \u524d60%-80%\uff0c\u5728\u672a\u4f8612\u500b\u6708\u5167\u53ef\u80fd\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6 \u4e00\u822c\u4ee5\u4e0b Below Average 0-509 \u5f8c20%\uff0c\u5728\u672a\u4f8612\u500b\u6708\u5167\u6975\u6709\u53ef\u80fd\u767c\u751f\u4e0d\u826f\u4e8b\u4ef6 \u6700\u5f8c\uff0c\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u4e9b\u6fb3\u6d32\u67e5\u8a62\u4fe1\u7528\u5206\u6578\u7684\u7db2\u7ad9\u5427\uff1a GetCreditScore:&nbsp;https:\/\/www.getcreditscore.com.au Creditsimple:&nbsp;https:\/\/www.creditsimple.com.au \u7ffb\u8b6f\u81ea\uff1ahttps:\/\/www.equifax.com\/personal\/education\/credit\/report\/articles\/-\/learn\/understanding-credit-report-history\/ \u6fb3\u4e16\u7db2\u7d61&#8211;\u5149\u7e96\u30fb\u901a\u4fe1\u5c08\u5bb6 \u6fb3\u4e16\u7db2\u7d61\u662f\u4e00\u5bb6\u4e92\u806f\u7db2\u670d\u52d9\u63d0\u4f9b\u5546\uff0c\u81f4\u529b\u65bc\u63d0\u4f9b\u66f4\u5feb\u901f\u7684\u5149\u7e96\u548c\u79fb\u52d5\u670d\u52d9\u53ca\u66f4\u5feb\u6377\u7684\u6280\u8853\u652f\u6301\u3002\u6fb3\u4e16\u88ab\u6210\u5343\u4e0a\u842c\u7684\u5c45\u6c11\u548c\u5546\u696d\u7528\u6236\u6240\u8b9a\u63da\uff0c\u6211\u5011\u7684\u7522\u54c1\u4e5f\u5f97\u5230\u884c\u696d\u5c08\u5bb6\u7684\u6b0a\u5a01\u8a8d\u53ef\u548c\u63a8\u85a6\u3002\u4f5c\u70ba\u5168\u7403\u53ca\u6fb3\u5927\u5229\u4e9e\u9802\u7d1a\u91d1\u878d\u5a92\u9ad4\u8a55\u5b9a\u7684\u4e9e\u592a\u53ca\u5168\u6fb3\u589e\u9577\u6700\u5feb\u7684\u96fb\u4fe1\u516c\u53f8\u4e4b\u4e00\uff0c\u6fb3\u4e16\u7684\u670d\u52d9\u8d85\u8d8a\u4e86\u6fb3\u6d32\u7528\u6236\u5c0d\u7db2\u7d61\u5ba2\u670d\u7684\u671f\u5f85\u4e26\u6a39\u7acb\u4e86\u884c\u696d\u6a19\u687f\u3002\u6fb3\u4e16\u7db2\u7d61\u5e74\u8f15\u3001\u5145\u6eff\u6fc0\u60c5\u548c\u5c08\u696d\u7684\u5718\u968a\u672a\u4f86\u5c07\u4e0d\u65b7\u7a81\u7834\u6975\u9650\uff0c\u5275\u9020\u66f4\u591a\u7684\u53ef\u80fd\u3002 \u96fb\u8a71\uff1a1300 200 999\u5ba2\u670d\uff1a1300 299 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