{"id":132,"date":"2026-10-09T15:35:59","date_gmt":"2026-10-09T19:35:59","guid":{"rendered":"https:\/\/kriswangrealty.ca\/?p=132"},"modified":"2026-10-29T17:22:41","modified_gmt":"2026-10-29T21:22:41","slug":"credit-score-canada","status":"publish","type":"post","link":"https:\/\/kriswangrealty.ca\/en\/credit-score-canada\/","title":{"rendered":"How to Improve Your Credit Score: 6 Things to Do Before Applying for a Mortgage"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5728\u52a0\u62ff\u5927\uff0c\u4fe1\u7528\u5206\u6570\uff08Credit Score\uff09\u4f1a\u5f71\u54cd\u4f60\u7533\u8bf7\u4fe1\u7528\u5361\u3001\u8f66\u8d37\uff0c\u6700\u91cd\u8981\u7684\u662f<strong>\u623f\u8d37\u80fd\u4e0d\u80fd\u6279\u3001\u5229\u7387\u9ad8\u4e0d\u9ad8<\/strong>\u3002\u51c6\u5907\u4e70\u623f\u7684\u670b\u53cb\uff0c\u6700\u597d\u63d0\u524d\u51e0\u4e2a\u6708\u751a\u81f3\u4e00\u5e74\u5f00\u59cb\u7ecf\u8425\u81ea\u5df1\u7684\u4fe1\u7528\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u7bc7\u6587\u7ae0\u5148\u8bb2\u6e05\u695a\u4fe1\u7528\u62a5\u544a\u548c\u4fe1\u7528\u5206\u6570\u662f\u600e\u4e48\u56de\u4e8b\uff0c\u518d\u8bb2\u63d0\u5347\u5206\u6570\u7684 6 \u4ef6\u4e8b\uff0c\u6700\u540e\u8bb2\u65b0\u79fb\u6c11\u600e\u4e48\u4ece\u96f6\u5f00\u59cb\u3001\u62a5\u544a\u51fa\u9519\u600e\u4e48\u66f4\u6b63\uff0c\u4ee5\u53ca\u7533\u8bf7\u623f\u8d37\u524d\u7684\u65f6\u95f4\u5b89\u6392\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fe1\u7528\u62a5\u544a\u548c\u4fe1\u7528\u5206\u6570\u662f\u4ec0\u4e48<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u62ff\u5927\u6709\u4e24\u5bb6\u4e3b\u8981\u7684\u4fe1\u7528\u5c40\uff08Credit Bureau\uff0c\u4e5f\u53eb\u4fe1\u7528\u62a5\u544a\u673a\u6784\uff09\uff1a<strong>Equifax<\/strong> \u548c <strong>TransUnion<\/strong>\u3002\u94f6\u884c\u3001\u4fe1\u7528\u5361\u516c\u53f8\u3001\u8d37\u6b3e\u673a\u6784\u4f1a\u628a\u4f60\u7684\u501f\u6b3e\u548c\u8fd8\u6b3e\u60c5\u51b5\u62a5\u7ed9\u5b83\u4eec\uff0c\u5b83\u4eec\u518d\u6574\u7406\u6210\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fe1\u7528\u62a5\u544a\u91cc\u6709\u4ec0\u4e48<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e\u52a0\u62ff\u5927\u91d1\u878d\u6d88\u8d39\u8005\u7ba1\u7406\u5c40\uff08FCAC\uff09\u7684\u8bf4\u660e\uff0c\u4fe1\u7528\u62a5\u544a\u4e00\u822c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e2a\u4eba\u4fe1\u606f<\/strong>\uff1a\u59d3\u540d\u3001\u51fa\u751f\u65e5\u671f\u3001\u73b0\u5728\u548c\u4ee5\u524d\u7684\u5730\u5740\u3001\u7535\u8bdd\u3001\u96c7\u4e3b\u7b49\u3002<\/li>\n\n<li><strong>\u4fe1\u7528\u8d26\u6237<\/strong>\uff1a\u4fe1\u7528\u5361\u3001\u8d37\u6b3e\u3001\u4fe1\u7528\u989d\u5ea6\uff08Line of Credit\uff09\u3001\u5546\u5e97\u5361\uff0c\u6bcf\u4e2a\u8d26\u6237\u7684\u5f00\u6237\u65f6\u95f4\u3001\u6b20\u6b3e\u3001\u8fd8\u6b3e\u8bb0\u5f55\u3001\u662f\u5426\u8d85\u989d\u3002<\/li>\n\n<li><strong>\u8d1f\u9762\u8bb0\u5f55<\/strong>\uff1a\u8df3\u7968\uff08NSF\uff09\u3001\u8fdb\u5165\u50ac\u6536\uff08Collections\uff09\u7684\u6b20\u6b3e\u3001\u7834\u4ea7\u7b49\u3002<\/li>\n\n<li><strong>\u67e5\u8be2\u8bb0\u5f55<\/strong>\uff1a\u8fc7\u53bb\u51e0\u5e74\u54ea\u4e9b\u8d37\u6b3e\u673a\u6784\u67e5\u8fc7\u4f60\u7684\u62a5\u544a\u3002<\/li>\n\n<li><strong>\u5176\u4ed6\u8d26\u6237<\/strong>\uff1a\u7535\u8bdd\u3001\u7f51\u7edc\u3001\u6c34\u7535\u7b49\u8d26\u6237\uff0c\u4ee5\u53ca\u623f\u8d37\u548c\u623f\u5c4b\u51c0\u503c\u4fe1\u7528\u989d\u5ea6\uff08HELOC\uff09\u7684\u8fd8\u6b3e\u8bb0\u5f55\uff0c\u4e5f\u53ef\u80fd\u51fa\u73b0\u5728\u62a5\u544a\u4e0a\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fe1\u7528\u5206\u6570\u600e\u4e48\u770b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fe1\u7528\u5206\u6570\u662f\u6839\u636e\u62a5\u544a\u7b97\u51fa\u6765\u7684\u4e00\u4e2a\u6570\u5b57\uff0c\u7528\u6765\u4f30\u8ba1\u4f60\u6309\u65f6\u8fd8\u6b3e\u7684\u53ef\u80fd\u6027\u3002\u5206\u6570<strong>\u4e00\u822c\u5728 300\u2013900 \u4e4b\u95f4\uff0c\u8d8a\u9ad8\u8d8a\u597d<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9700\u8981\u77e5\u9053\u4e24\u70b9\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u6ca1\u6709\u7edf\u4e00\u7684\u201c\u53ca\u683c\u7ebf\u201d\u3002<\/strong> \u6bcf\u5bb6\u8d37\u6b3e\u673a\u6784\u7528\u81ea\u5df1\u7684\u516c\u5f0f\u548c\u6807\u51c6\u505a\u51b3\u5b9a\uff0c\u5177\u4f53\u7ec6\u8282\u4e0d\u516c\u5f00\u3002<\/li>\n\n<li><strong>\u4f60\u5728\u4e0d\u540c\u5730\u65b9\u770b\u5230\u7684\u5206\u6570\u53ef\u80fd\u4e0d\u4e00\u6837\u3002<\/strong> Equifax \u548c TransUnion \u7684\u6570\u636e\u548c\u6a21\u578b\u4e0d\u5b8c\u5168\u76f8\u540c\uff0c\u94f6\u884c App \u91cc\u663e\u793a\u7684\u5206\u6570\u4e5f\u53ef\u80fd\u548c\u8d37\u6b3e\u673a\u6784\u5b9e\u9645\u53c2\u8003\u7684\u4e0d\u540c\u3002\u770b\u8d8b\u52bf\u6bd4\u7ea0\u7ed3\u51e0\u5206\u7684\u5dee\u522b\u66f4\u6709\u610f\u4e49\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fe1\u7528\u5206\u6570\u7531\u4ec0\u4e48\u51b3\u5b9a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FCAC \u5217\u51fa\u7684\u5f71\u54cd\u56e0\u7d20\u6709\u4e94\u4e2a\uff0c\u5176\u4e2d<strong>\u8fd8\u6b3e\u8bb0\u5f55\u662f\u6700\u91cd\u8981\u7684\u4e00\u9879<\/strong>\u3002\u4e0b\u8868\u7684\u6bd4\u4f8b\u662f\u4e1a\u5185\u5e38\u5f15\u7528\u7684\u53c2\u8003\u6bd4\u4f8b\uff0c\u4e24\u5bb6\u4fe1\u7528\u5c40\u5e76\u6ca1\u6709\u516c\u5f00\u7cbe\u786e\u7b97\u6cd5\uff0c\u4ec5\u4f9b\u7406\u89e3\u54ea\u4e9b\u56e0\u7d20\u66f4\u91cd\u8981\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u56e0\u7d20<\/th><th>\u53c2\u8003\u6bd4\u4f8b<\/th><th>\u7b80\u5355\u8bf4<\/th><\/tr><\/thead><tbody><tr><td>\u8fd8\u6b3e\u8bb0\u5f55<\/td><td>\u7ea6 35%<\/td><td>\u6709\u6ca1\u6709\u6309\u65f6\u8fd8<\/td><\/tr><tr><td>\u4fe1\u7528\u989d\u5ea6\u4f7f\u7528\u7387<\/td><td>\u7ea6 30%<\/td><td>\u7528\u4e86\u603b\u989d\u5ea6\u7684\u591a\u5c11<\/td><\/tr><tr><td>\u4fe1\u7528\u5386\u53f2\u957f\u5ea6<\/td><td>\u7ea6 15%<\/td><td>\u8d26\u6237\u5f00\u4e86\u591a\u4e45\u3001\u662f\u5426\u4fdd\u6301\u6d3b\u8dc3<\/td><\/tr><tr><td>\u4fe1\u7528\u7c7b\u578b\u7ec4\u5408<\/td><td>\u7ea6 10%<\/td><td>\u662f\u5426\u4e0d\u53ea\u4e00\u79cd\u4fe1\u7528<\/td><\/tr><tr><td>\u65b0\u7684\u4fe1\u7528\u67e5\u8be2<\/td><td>\u7ea6 10%<\/td><td>\u6700\u8fd1\u662f\u5426\u9891\u7e41\u7533\u8bf7<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u6bcf\u4e00\u7b14\u90fd\u6309\u65f6\u8fd8\u6b3e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u6700\u91cd\u8981\u7684\u4e00\u9879\u3002\u4fe1\u7528\u5361\u3001\u8d37\u6b3e\u3001\u624b\u673a\u8d26\u5355\u90fd\u8981\u6309\u65f6\u8fd8\uff0c\u54ea\u6015\u53ea\u8fd8\u6700\u4f4e\u8fd8\u6b3e\u989d\uff0c\u4e5f\u4e0d\u8981\u903e\u671f\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8bbe\u7f6e\u81ea\u52a8\u8fd8\u6b3e\uff0c\u81f3\u5c11\u81ea\u52a8\u8fd8\u6700\u4f4e\u8fd8\u6b3e\u989d\uff0c\u907f\u514d\u5fd8\u8bb0\u3002<\/li>\n\n<li>\u6362\u4e86\u5730\u5740\u6216\u624b\u673a\u53f7\uff0c\u53ca\u65f6\u901a\u77e5\u94f6\u884c\uff0c\u907f\u514d\u8d26\u5355\u5bc4\u4e22\u3002<\/li>\n\n<li>\u5982\u679c\u4e0d\u5c0f\u5fc3\u903e\u671f\uff0c\u5c3d\u5feb\u8865\u4e0a\uff0c\u5e76\u8054\u7cfb\u94f6\u884c\u770b\u80fd\u5426\u51cf\u5c11\u5f71\u54cd\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u903e\u671f\u8bb0\u5f55\u5728\u5b89\u7701\u6700\u957f\u53ef\u4ee5\u5728\u62a5\u544a\u4e0a\u4fdd\u7559 6 \u5e74\uff0c\u6240\u4ee5\u201c\u4e0d\u903e\u671f\u201d\u6bd4\u201c\u4e8b\u540e\u8865\u6551\u201d\u91cd\u8981\u5f97\u591a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u964d\u4f4e\u4fe1\u7528\u5361\u4f7f\u7528\u7387<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f7f\u7528\u7387 = \u5df2\u7528\u989d\u5ea6 \u00f7 \u603b\u989d\u5ea6\u3002FCAC \u5efa\u8bae\u4fdd\u6301\u5728 <strong>30% \u4ee5\u4e0b<\/strong>\uff0c\u6211\u901a\u5e38\u5efa\u8bae\u51c6\u5907\u7533\u8bf7\u623f\u8d37\u7684\u670b\u53cb\u5c3d\u91cf\u63a7\u5236\u5728 10% \u5de6\u53f3\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5728\u8d26\u5355\u65e5\u4e4b\u524d<\/strong>\u5148\u8fd8\u4e00\u90e8\u5206\u3002\u94f6\u884c\u901a\u5e38\u5728\u8d26\u5355\u65e5\u628a\u4f59\u989d\u62a5\u7ed9\u4fe1\u7528\u5c40\uff0c\u63d0\u524d\u8fd8\u6b3e\u80fd\u8ba9\u62a5\u544a\u91cc\u7684\u4f7f\u7528\u7387\u66f4\u4f4e\u3002<\/li>\n\n<li>\u53ef\u4ee5\u7533\u8bf7\u63d0\u9ad8\u4fe1\u7528\u989d\u5ea6\uff0c\u7528\u540c\u6837\u7684\u6d88\u8d39\u6362\u6765\u66f4\u4f4e\u7684\u4f7f\u7528\u7387\u3002\u4f46\u7533\u8bf7\u63d0\u989d\u6709\u65f6\u4f1a\u4ea7\u751f\u786c\u67e5\u8be2\uff0c\u4e70\u623f\u524d\u51e0\u4e2a\u6708\u4e0d\u5efa\u8bae\u505a\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3e\u4e2a\u4f8b\u5b50<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\u4f60\u6709\u4e24\u5f20\u4fe1\u7528\u5361\uff0c\u989d\u5ea6\u5206\u522b\u662f $3,000 \u548c $5,000\uff0c\u603b\u989d\u5ea6 $8,000\u3002\u8fd9\u4e2a\u6708\u4e00\u5171\u5237\u4e86 $2,800\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u505a\u6cd5<\/th><th>\u62a5\u7ed9\u4fe1\u7528\u5c40\u7684\u4f59\u989d<\/th><th>\u4f7f\u7528\u7387<\/th><\/tr><\/thead><tbody><tr><td>\u7b49\u5230\u671f\u65e5\u518d\u5168\u989d\u8fd8<\/td><td>$2,800<\/td><td>35%<\/td><\/tr><tr><td>\u8d26\u5355\u65e5\u524d\u5148\u8fd8 $2,000<\/td><td>$800<\/td><td>10%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e24\u79cd\u505a\u6cd5\u90fd\u6ca1\u6709\u4ea7\u751f\u5229\u606f\u3001\u90fd\u201c\u6309\u65f6\u8fd8\u6e05\u201d\u4e86\uff0c\u4f46\u7b2c\u4e8c\u79cd\u5728\u62a5\u544a\u4e0a\u770b\u8d77\u6765\u597d\u5f97\u591a\u3002\u5f88\u591a\u4eba\u4ee5\u4e3a\u201c\u6bcf\u4e2a\u6708\u5168\u989d\u8fd8\u6e05\u201d\u5c31\u591f\u4e86\uff0c\u5176\u5b9e\u8d26\u5355\u65e5\u524d\u90a3\u4e00\u7b14\u4f59\u989d\u624d\u662f\u4fe1\u7528\u5c40\u770b\u5230\u7684\u6570\u5b57\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u4fdd\u7559\u8001\u4fe1\u7528\u5361<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fe1\u7528\u5386\u53f2\u8d8a\u957f\u8d8a\u597d\u3002\u4e0d\u8981\u968f\u4fbf\u5173\u6389\u7b2c\u4e00\u5f20\u4fe1\u7528\u5361\uff0c\u5373\u4f7f\u4e0d\u5e38\u7528\uff0c\u4e5f\u53ef\u4ee5\u5076\u5c14\u5237\u4e00\u7b14\u5c0f\u989d\u6d88\u8d39\u5e76\u6309\u65f6\u8fd8\u6e05\uff0c\u4fdd\u6301\u8d26\u6237\u6d3b\u8dc3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u5361\u8fd8\u6709\u4e00\u4e2a\u526f\u4f5c\u7528\uff1a\u603b\u989d\u5ea6\u53d8\u5c11\uff0c\u4f7f\u7528\u7387\u4f1a\u8ddf\u7740\u53d8\u9ad8\u3002\u5982\u679c\u8001\u5361\u6709\u5e74\u8d39\u4e0d\u60f3\u8981\u4e86\uff0c\u53ef\u4ee5\u5148\u95ee\u94f6\u884c\u80fd\u5426\u8f6c\u6210\u540c\u4e00\u8d26\u6237\u4e0b\u7684\u514d\u5e74\u8d39\u5361\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u5408\u7406\u7684\u4fe1\u7528\u7ec4\u5408<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fe1\u7528\u5361\u3001\u8f66\u8d37\u3001\u4fe1\u7528\u989d\u5ea6\u7b49\u4e0d\u540c\u7c7b\u578b\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u6bd4\u53ea\u6709\u4fe1\u7528\u5361\u66f4\u6709\u5e2e\u52a9\u3002\u4f46\u4e0d\u8981\u4e3a\u4e86\u201c\u51d1\u7c7b\u578b\u201d\u53bb\u501f\u4e0d\u9700\u8981\u7684\u94b1\uff0c\u591a\u4e00\u7b14\u8d1f\u503a\u5728\u7533\u8bf7\u623f\u8d37\u65f6\u4e5f\u4f1a\u5f71\u54cd\u4f60\u7684\u8d1f\u503a\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u907f\u514d\u77ed\u65f6\u95f4\u5185\u9891\u7e41\u7533\u8bf7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6b21\u6b63\u5f0f\u7533\u8bf7\u4fe1\u7528\u5361\u6216\u8d37\u6b3e\uff0c\u90fd\u4f1a\u4ea7\u751f\u4e00\u6b21\u201c\u786c\u67e5\u8be2\u201d\uff08Hard Inquiry\uff09\uff0c\u77ed\u671f\u5185\u591a\u6b21\u4f1a\u62c9\u4f4e\u5206\u6570\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e70\u623f\u524d\u51e0\u4e2a\u6708\uff0c\u5c3d\u91cf\u4e0d\u8981\u7533\u8bf7\u65b0\u7684\u4fe1\u7528\u5361\u3001\u8f66\u8d37\u6216\u5206\u671f\u4ed8\u6b3e\u3002<\/li>\n\n<li>\u7533\u8bf7\u623f\u8d37\u6216\u8f66\u8d37\u65f6\uff0c<strong>\u4e24\u5468\u5185<\/strong>\u5411\u51e0\u5bb6\u8d37\u6b3e\u673a\u6784\u8be2\u4ef7\uff0c\u4f1a\u88ab\u7b97\u4f5c\u4e00\u6b21\u67e5\u8be2\u3002\u6240\u4ee5\u6bd4\u8f83\u623f\u8d37\u6700\u597d\u96c6\u4e2d\u5728\u4e00\u4e2a\u65f6\u95f4\u6bb5\u5185\u5b8c\u6210\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u786c\u67e5\u8be2\u548c\u8f6f\u67e5\u8be2\u7684\u533a\u522b<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>\u786c\u67e5\u8be2\uff08Hard Inquiry\uff09<\/th><th>\u8f6f\u67e5\u8be2\uff08Soft Inquiry\uff09<\/th><\/tr><\/thead><tbody><tr><td>\u5e38\u89c1\u60c5\u51b5<\/td><td>\u7533\u8bf7\u4fe1\u7528\u5361\u3001\u8d37\u6b3e\u3001\u623f\u8d37<\/td><td>\u81ea\u5df1\u67e5\u4fe1\u7528\u62a5\u544a\u6216\u5206\u6570<\/td><\/tr><tr><td>\u662f\u5426\u5f71\u54cd\u5206\u6570<\/td><td>\u4f1a<\/td><td>\u4e0d\u4f1a<\/td><\/tr><tr><td>\u8c01\u80fd\u770b\u5230<\/td><td>\u4e4b\u540e\u67e5\u4f60\u62a5\u544a\u7684\u8d37\u6b3e\u673a\u6784\u90fd\u80fd\u770b\u5230<\/td><td>\u53ea\u5728\u4f60\u81ea\u5df1\u770b\u7684\u7248\u672c\u4e0a\u663e\u793a<\/td><\/tr><tr><td>\u5728\u62a5\u544a\u4e0a\u7559\u591a\u4e45\uff08\u5b89\u7701\uff09<\/td><td>Equifax 3 \u5e74\uff0cTransUnion 6 \u5e74<\/td><td>\u4e0d\u5f71\u54cd\u8bc4\u5206<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5<strong>\u81ea\u5df1\u67e5\u4fe1\u7528\u4e0d\u4f1a\u6263\u5206<\/strong>\uff0c\u653e\u5fc3\u5b9a\u671f\u67e5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. \u5b9a\u671f\u68c0\u67e5\u4fe1\u7528\u62a5\u544a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u5e74\u81f3\u5c11\u901a\u8fc7 Equifax \u548c TransUnion \u5404\u67e5\u4e00\u6b21\u81ea\u5df1\u7684\u4fe1\u7528\u62a5\u544a\uff0c\u51c6\u5907\u4e70\u623f\u7684\u8bdd\u5efa\u8bae\u7533\u8bf7\u623f\u8d37\u524d 3\u20136 \u4e2a\u6708\u5c31\u67e5\u4e00\u6b21\uff0c\u7559\u51fa\u65f6\u95f4\u5904\u7406\u95ee\u9898\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u600e\u4e48\u514d\u8d39\u67e5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6839\u636e FCAC 2026 \u5e74\u7684\u8bf4\u660e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7f51\u4e0a<\/strong>\uff1a\u4e24\u5bb6\u4fe1\u7528\u5c40\u90fd\u53ef\u4ee5\u514d\u8d39\u5728\u7f51\u4e0a\u67e5\u770b\u3001\u4e0b\u8f7d\u4fe1\u7528\u62a5\u544a\u3002<\/li>\n\n<li><strong>\u7535\u8bdd\u6216\u90ae\u5bc4<\/strong>\uff1aEquifax 1-800-465-7166\uff0cTransUnion 1-800-663-9980\uff0c\u9700\u8981\u56de\u7b54\u8eab\u4efd\u9a8c\u8bc1\u95ee\u9898\uff1b\u90ae\u5bc4\u9700\u8981\u9644\u4e24\u4efd\u6709\u6548\u8bc1\u4ef6\u590d\u5370\u4ef6\u3002<\/li>\n\n<li><strong>\u514d\u8d39\u5206\u6570<\/strong>\uff1aEquifax \u5728\u6240\u6709\u7701\u4efd\u7f51\u4e0a\u514d\u8d39\u63d0\u4f9b\u5206\u6570\uff1bTransUnion \u5728\u5b89\u7701\u548c\u9b41\u7701\u7f51\u4e0a\u514d\u8d39\u63d0\u4f9b\u5206\u6570\u3002\u90e8\u5206\u94f6\u884c\u7684 App \u91cc\u4e5f\u80fd\u770b\u5230\u514d\u8d39\u5206\u6570\u3002<\/li>\n\n<li>\u6709\u4e9b\u516c\u53f8\u7684\u201c\u67e5\u4fe1\u7528\u201d\u670d\u52a1\u9700\u8981\u4ed8\u8d39\u8ba2\u9605\uff0c\u514d\u8d39\u6e20\u9053\u4e00\u822c\u5df2\u7ecf\u591f\u7528\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fe1\u7528\u5c40\u81f3\u5c11\u6bcf\u6708\u66f4\u65b0\u4e00\u6b21\u5206\u6570\uff0c\u6240\u4ee5\u6539\u5584\u4e4b\u540e\u8981\u7b49\u4e0b\u4e00\u6b21\u66f4\u65b0\u624d\u770b\u5f97\u5230\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8d1f\u9762\u8bb0\u5f55\u4f1a\u7559\u591a\u4e45\uff08\u5b89\u7701\uff09<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u8bb0\u5f55<\/th><th>\u5927\u81f4\u4fdd\u7559\u65f6\u95f4<\/th><\/tr><\/thead><tbody><tr><td>\u903e\u671f\u6216\u672a\u8fd8\u7684\u8d26\u6237<\/td><td>\u6700\u957f 6 \u5e74<\/td><\/tr><tr><td>\u9996\u6b21\u7834\u4ea7<\/td><td>Equifax \u4e00\u822c\u4e3a\u89e3\u9664\u540e 6 \u5e74\uff1bTransUnion \u4e3a\u89e3\u9664\u540e 7 \u5e74<\/td><\/tr><tr><td>\u6d88\u8d39\u8005\u63d0\u6848\uff08Consumer Proposal\uff09<\/td><td>\u8fd8\u6e05\u540e 3 \u5e74\uff0c\u6216\u7b7e\u7f72\u540e 6 \u5e74\uff0c\u4ee5\u8f83\u65e9\u8005\u4e3a\u51c6<\/td><\/tr><tr><td>\u8d37\u6b3e\u673a\u6784\u67e5\u8be2<\/td><td>Equifax 3 \u5e74\uff1bTransUnion 6 \u5e74<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u67d0\u6761\u8d1f\u9762\u8bb0\u5f55\u5df2\u7ecf\u8d85\u8fc7\u4fdd\u7559\u671f\u8fd8\u5728\u62a5\u544a\u4e0a\uff0c\u53ef\u4ee5\u6309\u4e0b\u9762\u7684\u65b9\u6cd5\u8981\u6c42\u66f4\u6b63\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u62a5\u544a\u51fa\u9519\u600e\u4e48\u66f4\u6b63<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u62a5\u544a\u51fa\u9519\u5e76\u4e0d\u5c11\u89c1\u3002\u770b\u62a5\u544a\u65f6\u91cd\u70b9\u68c0\u67e5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e2a\u4eba\u4fe1\u606f\u6709\u6ca1\u6709\u9519\uff0c\u6bd4\u5982\u5730\u5740\u3001\u51fa\u751f\u65e5\u671f\u3002<\/li>\n\n<li>\u6709\u6ca1\u6709\u4f60\u4e0d\u8ba4\u8bc6\u7684\u8d26\u6237\uff08\u53ef\u80fd\u662f\u8eab\u4efd\u88ab\u76d7\u7528\uff09\u3002<\/li>\n\n<li>\u660e\u660e\u6309\u65f6\u8fd8\u4e86\uff0c\u5374\u663e\u793a\u903e\u671f\u3002<\/li>\n\n<li>\u5df2\u7ecf\u8d85\u8fc7\u4fdd\u7559\u671f\u7684\u8d1f\u9762\u8bb0\u5f55\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u66f4\u6b63\u6b65\u9aa4<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u6536\u96c6\u8bc1\u636e<\/strong>\uff1a\u6536\u636e\u3001\u5bf9\u8d26\u5355\u3001\u94f6\u884c\u786e\u8ba4\u4fe1\u7b49\u3002<\/li>\n\n<li><strong>\u5206\u522b\u5411 Equifax \u548c TransUnion \u63d0\u51fa\u5f02\u8bae<\/strong>\uff1a\u7528\u5b83\u4eec\u5b98\u7f51\u4e0a\u7684\u8868\u683c\u3002\u4fe1\u7528\u5c40\u4f1a\u5411\u8d37\u6b3e\u673a\u6784\u6838\u5b9e\uff0c\u786e\u8ba4\u6709\u8bef\u5c31\u66f4\u6b63\u3002<strong>\u4fe1\u7528\u5c40\u66f4\u6b63\u9519\u8bef\u662f\u514d\u8d39\u7684\u3002<\/strong><\/li>\n\n<li><strong>\u540c\u65f6\u8054\u7cfb\u8d37\u6b3e\u673a\u6784<\/strong>\uff1a\u8bf7\u5bf9\u65b9\u6838\u5bf9\u8bb0\u5f55\uff0c\u5e76\u628a\u66f4\u6b63\u62a5\u7ed9\u4e24\u5bb6\u4fe1\u7528\u5c40\u3002<\/li>\n\n<li><strong>\u6ca1\u6709\u89e3\u51b3<\/strong>\uff1a\u53ef\u4ee5\u8981\u6c42\u5347\u7ea7\u5904\u7406\uff1b\u5982\u679c\u662f\u8054\u90a6\u76d1\u7ba1\u7684\u94f6\u884c\uff0c\u53ef\u4ee5\u8d70\u94f6\u884c\u7684\u6295\u8bc9\u6d41\u7a0b\u548c\u5916\u90e8\u6295\u8bc9\u673a\u6784\uff1b\u4e5f\u53ef\u4ee5\u5728\u62a5\u544a\u4e0a\u514d\u8d39\u6dfb\u52a0\u4e00\u6bb5\u7b80\u77ed\u7684\u201c\u6d88\u8d39\u8005\u58f0\u660e\u201d\uff08Consumer Statement\uff09\u8bf4\u660e\u60c5\u51b5\u3002\u5bf9\u4fe1\u7528\u5c40\u672c\u8eab\u7684\u6295\u8bc9\uff0c\u5148\u627e\u4fe1\u7528\u5c40\uff0c\u518d\u627e\u7701\u6d88\u8d39\u8005\u4e8b\u52a1\u90e8\u95e8\u3002<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">\u6000\u7591\u8eab\u4efd\u88ab\u76d7\u7528<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u94b1\u5305\u3001\u8bc1\u4ef6\u6216\u624b\u673a\u88ab\u5077\uff0c\u6216\u8005\u53d1\u73b0\u4e0d\u8ba4\u8bc6\u7684\u8d26\u6237\uff0c\u53ef\u4ee5\u5411\u4e24\u5bb6\u4fe1\u7528\u5c40\u7533\u8bf7<strong>\u6b3a\u8bc8\u63d0\u9192\uff08Fraud Alert\uff09<\/strong>\uff0c\u4e4b\u540e\u8d37\u6b3e\u673a\u6784\u6279\u4fe1\u7528\u524d\u9700\u8981\u5148\u8054\u7cfb\u4f60\u786e\u8ba4\u8eab\u4efd\u3002\u540c\u65f6\u8054\u7cfb\u76f8\u5173\u8d37\u6b3e\u673a\u6784\uff0c\u5e76\u5411 National Fraud Reporting System \u62a5\u544a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8eab\u4efd\u4fe1\u606f\u88ab\u76d7\u7528\u4e0d\u53ea\u5f71\u54cd\u4fe1\u7528\u5361\uff0c\u6709\u4e1a\u4e3b\u7684\u623f\u5b50\u90fd\u53ef\u80fd\u88ab\u4eba\u5192\u540d\u62b5\u62bc\u6216\u51fa\u552e\uff0c\u8fd9\u65b9\u9762\u53ef\u4ee5\u770b\u300a<a href=\"\/en\/title-fraud-protection\/\">Preventing Title Fraud: 3 Things Every Homeowner Should Do<\/a>\u300b\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65b0\u79fb\u6c11\u548c\u7559\u5b66\u751f\u600e\u4e48\u4ece\u96f6\u5efa\u7acb\u4fe1\u7528<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u521a\u5230\u52a0\u62ff\u5927\uff0c\u6ca1\u6709\u4fe1\u7528\u8bb0\u5f55\u4e0d\u7b49\u4e8e\u4fe1\u7528\u5dee\uff0c\u53ea\u662f\u201c\u6ca1\u6709\u5206\u6570\u201d\u3002\u4f46\u6ca1\u6709\u8bb0\u5f55\uff0c\u8d37\u6b3e\u673a\u6784\u5c31\u5f88\u96be\u8bc4\u4f30\u4f60\u3002\u5efa\u7acb\u4fe1\u7528\u7684\u4e00\u822c\u505a\u6cd5\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u5148\u529e\u4e00\u5f20\u4fe1\u7528\u5361\u3002<\/strong> \u6709\u7684\u94f6\u884c\u6709\u9762\u5411\u65b0\u79fb\u6c11\u7684\u4fe1\u7528\u5361\u9879\u76ee\uff1b\u5982\u679c\u7533\u8bf7\u666e\u901a\u4fe1\u7528\u5361\u4e0d\u6279\uff0c\u53ef\u4ee5\u8003\u8651<strong>\u6709\u62b5\u62bc\u7684\u4fe1\u7528\u5361\uff08Secured Credit Card\uff09<\/strong>\uff0c\u5148\u5b58\u4e00\u7b14\u62bc\u91d1\u4f5c\u4e3a\u989d\u5ea6\uff0c\u7528\u6cd5\u548c\u666e\u901a\u4fe1\u7528\u5361\u4e00\u6837\uff0c\u540c\u6837\u4f1a\u62a5\u7ed9\u4fe1\u7528\u5c40\u3002\u529e\u4e4b\u524d\u95ee\u6e05\u695a\u8fd9\u5f20\u5361\u662f\u5426\u5411 Equifax \u548c TransUnion \u62a5\u544a\u3002<\/li>\n\n<li><strong>\u5c0f\u989d\u4f7f\u7528\u3001\u6309\u65f6\u5168\u989d\u8fd8\u6e05\u3002<\/strong> \u6bcf\u6708\u5237\u4e00\u4e9b\u65e5\u5e38\u5f00\u9500\uff0c\u8d26\u5355\u65e5\u524d\u628a\u4f59\u989d\u63a7\u5236\u5728\u4f4e\u6c34\u5e73\u3002<\/li>\n\n<li><strong>\u628a\u624b\u673a\u3001\u7f51\u7edc\u7b49\u8d26\u5355\u653e\u5728\u81ea\u5df1\u540d\u4e0b\u5e76\u6309\u65f6\u4ea4\u3002<\/strong> \u8fd9\u7c7b\u8d26\u6237\u4e5f\u53ef\u80fd\u51fa\u73b0\u5728\u4fe1\u7528\u62a5\u544a\u4e0a\u3002<\/li>\n\n<li><strong>\u8010\u5fc3\u517b\u5386\u53f2\u3002<\/strong> \u4e00\u822c\u534a\u5e74\u5230\u4e00\u5e74\u80fd\u5efa\u7acb\u8d77\u57fa\u7840\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u4e4b\u540e\u53ef\u4ee5\u8003\u8651\u6362\u6210\u666e\u901a\u4fe1\u7528\u5361\uff0c\u4f46\u8001\u5361\u5c3d\u91cf\u4fdd\u7559\u3002<\/li>\n\n<li><strong>\u522b\u6025\u7740\u5f00\u5f88\u591a\u5361\u3002<\/strong> \u521a\u5f00\u59cb\u6bcf\u4e00\u6b21\u786c\u67e5\u8be2\u7684\u5f71\u54cd\u90fd\u66f4\u660e\u663e\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd8\u6709\u4e00\u70b9\uff1a<strong>\u4e0d\u8981\u8f7b\u6613\u66ff\u522b\u4eba\u505a\u8d37\u6b3e\u7684\u5171\u540c\u7b7e\u7f72\u4eba\u6216\u62c5\u4fdd\u4eba\u3002<\/strong> \u5bf9\u65b9\u6ca1\u6309\u65f6\u8fd8\uff0c\u8bb0\u5f55\u4e5f\u4f1a\u5f71\u54cd\u4f60\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fe1\u7528\u5206\u6570\u5bf9\u623f\u8d37\u7684\u5f71\u54cd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7533\u8bf7\u623f\u8d37\u65f6\uff0c\u8d37\u6b3e\u673a\u6784\u770b\u7684\u662f\u6574\u4f53\u60c5\u51b5\uff1a\u4fe1\u7528\u8bb0\u5f55\u3001\u6536\u5165\u662f\u5426\u7a33\u5b9a\u3001\u73b0\u6709\u8d1f\u503a\u3001\u9996\u4ed8\u6bd4\u4f8b\u3001\u623f\u5b50\u672c\u8eab\u3002\u4fe1\u7528\u5206\u6570\u662f\u5176\u4e2d\u4e00\u9879\uff0c\u4f46\u5f80\u5f80\u662f\u6700\u5148\u88ab\u770b\u7684\u4e00\u9879\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u6765\u8bf4\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5206\u6570\u548c\u8bb0\u5f55\u8d8a\u597d\uff0c\u53ef\u4ee5\u9009\u62e9\u7684\u8d37\u6b3e\u673a\u6784\u548c\u4ea7\u54c1\u901a\u5e38\u8d8a\u591a\uff0c\u8c08\u5229\u7387\u65f6\u4e5f\u66f4\u6709\u5e95\u6c14\u3002<\/li>\n\n<li>\u5206\u6570\u504f\u4f4e\u6216\u8bb0\u5f55\u8f83\u77ed\uff0c\u6709\u7684\u94f6\u884c\u53ef\u80fd\u4e0d\u6279\uff0c\u6216\u8005\u9700\u8981\u66f4\u591a\u6750\u6599\u3001\u66f4\u9ad8\u9996\u4ed8\uff0c\u6709\u65f6\u53ea\u80fd\u8003\u8651\u5176\u4ed6\u7c7b\u578b\u7684\u8d37\u6b3e\u673a\u6784\uff0c\u5229\u7387\u548c\u8d39\u7528\u901a\u5e38\u66f4\u9ad8\u3002<\/li>\n\n<li><strong>\u5404\u8d37\u6b3e\u673a\u6784\u6807\u51c6\u4e0d\u540c<\/strong>\uff0c\u6ca1\u6709\u4e00\u4e2a\u201c\u591a\u5c11\u5206\u4e00\u5b9a\u80fd\u6279\u201d\u7684\u7edf\u4e00\u7b54\u6848\uff0c\u5177\u4f53\u4ee5\u8d37\u6b3e\u673a\u6784\u6216\u8d37\u6b3e\u7ecf\u7eaa\u7684\u8bc4\u4f30\u4e3a\u51c6\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd8\u6709\u4e00\u4e2a\u5bb9\u6613\u5ffd\u7565\u7684\u65f6\u95f4\u70b9\uff1a<strong>\u4ece\u62ff\u5230\u9884\u6279\u5230\u4ea4\u623f\u8fd9\u6bb5\u65f6\u95f4\u3002<\/strong> \u6709\u7684\u8d37\u6b3e\u673a\u6784\u4f1a\u5728\u4ea4\u623f\u524d\u518d\u67e5\u4e00\u6b21\u4fe1\u7528\u548c\u8d1f\u503a\u3002\u5982\u679c\u8fd9\u6bb5\u65f6\u95f4\u4f60\u65b0\u529e\u4e86\u8f66\u8d37\u3001\u5206\u671f\u4e70\u5bb6\u5177\u5bb6\u7535\uff0c\u6216\u8005\u4fe1\u7528\u5361\u5237\u5f97\u5f88\u6ee1\uff0c\u53ef\u80fd\u5f71\u54cd\u6700\u7ec8\u653e\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7533\u8bf7\u623f\u8d37\u524d\u7684\u65f6\u95f4\u8868<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u65f6\u95f4<\/th><th>\u8981\u505a\u7684\u4e8b<\/th><\/tr><\/thead><tbody><tr><td>\u4e70\u623f\u524d 6\u201312 \u4e2a\u6708<\/td><td>\u67e5\u4e24\u5bb6\u4fe1\u7528\u62a5\u544a\uff1b\u8bbe\u7f6e\u81ea\u52a8\u8fd8\u6b3e\uff1b\u65b0\u79fb\u6c11\u5f00\u59cb\u5efa\u7acb\u4fe1\u7528<\/td><\/tr><tr><td>\u4e70\u623f\u524d 3\u20136 \u4e2a\u6708<\/td><td>\u5904\u7406\u62a5\u544a\u4e0a\u7684\u9519\u8bef\u548c\u50ac\u6536\uff1b\u628a\u4f7f\u7528\u7387\u964d\u5230 30% \u4ee5\u4e0b\uff0c\u6700\u597d 10% \u5de6\u53f3\uff1b\u6682\u505c\u7533\u8bf7\u65b0\u4fe1\u7528<\/td><\/tr><tr><td>\u7533\u8bf7\u9884\u6279\u65f6<\/td><td>\u4e24\u5468\u5185\u96c6\u4e2d\u6bd4\u8f83\u51e0\u5bb6\u8d37\u6b3e\u673a\u6784\u6216\u901a\u8fc7\u8d37\u6b3e\u7ecf\u7eaa\u8be2\u4ef7<\/td><\/tr><tr><td>\u9884\u6279\u5230\u4ea4\u623f<\/td><td>\u4e0d\u529e\u65b0\u8d37\u6b3e\u3001\u4e0d\u5206\u671f\u5927\u989d\u6d88\u8d39\u3001\u4e0d\u6362\u5de5\u4f5c\u524d\u5148\u95ee\u8d37\u6b3e\u7ecf\u7eaa\uff1b\u6309\u65f6\u8fd8\u6bcf\u4e00\u7b14<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u8bef\u533a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u201c\u67e5\u81ea\u5df1\u7684\u4fe1\u7528\u4f1a\u6263\u5206\u3002\u201d<\/strong> \u4e0d\u4f1a\uff0c\u81ea\u5df1\u67e5\u662f\u8f6f\u67e5\u8be2\u3002<\/li>\n\n<li><strong>\u201c\u6bcf\u6708\u5168\u989d\u8fd8\u6e05\uff0c\u4f7f\u7528\u7387\u5c31\u662f 0\u3002\u201d<\/strong> \u4e0d\u4e00\u5b9a\uff0c\u4fe1\u7528\u5c40\u770b\u7684\u662f\u8d26\u5355\u65e5\u62a5\u4e0a\u53bb\u7684\u4f59\u989d\u3002<\/li>\n\n<li><strong>\u201c\u5173\u6389\u4e0d\u7528\u7684\u5361\u66f4\u597d\u3002\u201d<\/strong> \u53ef\u80fd\u4f1a\u7f29\u77ed\u4fe1\u7528\u5386\u53f2\u3001\u62c9\u9ad8\u4f7f\u7528\u7387\u3002<\/li>\n\n<li><strong>\u201c\u8fd8\u4e86\u6700\u4f4e\u8fd8\u6b3e\u989d\u5c31\u6ca1\u4e8b\u4e86\u3002\u201d<\/strong> \u5bf9\u4fe1\u7528\u8bb0\u5f55\u6765\u8bf4\u4e0d\u7b97\u903e\u671f\uff0c\u4f46\u5269\u4f59\u4f59\u989d\u4f1a\u4ea7\u751f\u5229\u606f\uff0c\u4e5f\u4f1a\u8ba9\u4f7f\u7528\u7387\u504f\u9ad8\u3002<\/li>\n\n<li><strong>\u201c\u592b\u59bb\u7684\u4fe1\u7528\u5206\u662f\u4e00\u8d77\u7b97\u7684\u3002\u201d<\/strong> \u6bcf\u4e2a\u4eba\u7684\u4fe1\u7528\u62a5\u544a\u662f\u5206\u5f00\u7684\uff0c\u4f46\u4e00\u8d77\u7533\u8bf7\u623f\u8d37\u65f6\uff0c\u8d37\u6b3e\u673a\u6784\u4f1a\u770b\u4e24\u4e2a\u4eba\u7684\u60c5\u51b5\u3002<\/li>\n\n<li><strong>\u201c\u5206\u6570\u5230\u4e86\u67d0\u4e2a\u6570\u5b57\u5c31\u4e00\u5b9a\u80fd\u6279\u3002\u201d<\/strong> \u6ca1\u6709\u7edf\u4e00\u53ca\u683c\u7ebf\uff0c\u5404\u8d37\u6b3e\u673a\u6784\u6807\u51c6\u4e0d\u540c\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u6211\u7684\u5efa\u8bae<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4e70\u5bb6\u4f1a\u95ee\u6211\u201c\u6211\u7684\u5206\u6570\u591f\u4e0d\u591f\u4e70\u623f\u201d\u3002\u6211\u901a\u5e38\u7684\u5efa\u8bae\u662f\uff1a\u5148\u628a\u4e24\u5bb6\u62a5\u544a\u90fd\u62c9\u51fa\u6765\u770b\u4e00\u904d\uff0c\u786e\u8ba4\u6ca1\u6709\u9519\u8bef\u548c\u9057\u7559\u7684\u5c0f\u989d\u6b20\u6b3e\uff1b\u7136\u540e\u628a\u6ce8\u610f\u529b\u653e\u5728\u4e24\u4ef6\u6700\u53ef\u63a7\u7684\u4e8b\u4e0a\uff0c<strong>\u6309\u65f6\u8fd8\u6b3e<\/strong>\u548c<strong>\u8d26\u5355\u65e5\u524d\u964d\u4f4e\u4f59\u989d<\/strong>\u3002\u8fd9\u4e24\u4ef6\u4e8b\u505a\u597d\u4e86\uff0c\u5927\u90e8\u5206\u4eba\u7684\u4fe1\u7528\u72b6\u51b5\u90fd\u4f1a\u7a33\u6b65\u53d8\u597d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u5916\uff0c\u4fe1\u7528\u95ee\u9898\u6700\u597d\u5728\u770b\u623f\u4e4b\u524d\u5c31\u548c\u8d37\u6b3e\u7ecf\u7eaa\u804a\u6e05\u695a\u3002\u9884\u6279\u7684\u989d\u5ea6\u548c\u6761\u4ef6\u786e\u5b9a\u4e86\uff0c\u770b\u623f\u548c\u4e0b Offer \u624d\u6709\u5e95\u6c14\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u89c1\u95ee\u9898<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u52a0\u62ff\u5927\u4fe1\u7528\u5206\u6570\u591a\u5c11\u7b97\u597d\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5206\u6570\u4e00\u822c\u5728 300\u2013900 \u4e4b\u95f4\uff0c\u8d8a\u9ad8\u8d8a\u597d\u3002\u4f46\u6ca1\u6709\u7edf\u4e00\u7684\u201c\u53ca\u683c\u7ebf\u201d\uff0c\u6bcf\u5bb6\u8d37\u6b3e\u673a\u6784\u7528\u81ea\u5df1\u7684\u6807\u51c6\uff0c\u6240\u4ee5\u4e0e\u5176\u8ffd\u6c42\u67d0\u4e2a\u6570\u5b57\uff0c\u4e0d\u5982\u4fdd\u6301\u8bb0\u5f55\u5e72\u51c0\u3001\u4f7f\u7528\u7387\u4f4e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Equifax \u548c TransUnion \u7684\u5206\u6570\u4e0d\u4e00\u6837\uff0c\u4ee5\u54ea\u4e2a\u4e3a\u51c6\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e24\u5bb6\u7684\u6570\u636e\u548c\u6a21\u578b\u4e0d\u5b8c\u5168\u76f8\u540c\uff0c\u5206\u6570\u6709\u5dee\u522b\u5f88\u6b63\u5e38\u3002\u4e0d\u540c\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u53c2\u8003\u4e0d\u540c\u7684\u4fe1\u7528\u5c40\uff0c\u6240\u4ee5\u4e24\u5bb6\u90fd\u8981\u67e5\u3001\u90fd\u8981\u7ef4\u62a4\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u67e5\u81ea\u5df1\u7684\u4fe1\u7528\u4f1a\u5f71\u54cd\u5206\u6570\u5417\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u4f1a\u3002\u81ea\u5df1\u67e5\u4fe1\u7528\u62a5\u544a\u6216\u5206\u6570\u662f\u8f6f\u67e5\u8be2\uff0c\u4e0d\u5f71\u54cd\u5206\u6570\uff0c\u4e5f\u53ea\u5728\u4f60\u81ea\u5df1\u770b\u5230\u7684\u7248\u672c\u4e0a\u663e\u793a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u7533\u8bf7\u623f\u8d37\u9884\u6279\u4f1a\u5f71\u54cd\u4fe1\u7528\u5417\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b63\u5f0f\u7533\u8bf7\u9884\u6279\u901a\u5e38\u4f1a\u4ea7\u751f\u786c\u67e5\u8be2\u3002\u4f46\u4e24\u5468\u5185\u5411\u51e0\u5bb6\u8d37\u6b3e\u673a\u6784\u8be2\u4ef7\uff0c\u4f1a\u88ab\u7b97\u4f5c\u4e00\u6b21\u67e5\u8be2\uff0c\u6240\u4ee5\u6bd4\u8f83\u623f\u8d37\u65f6\u96c6\u4e2d\u5728\u77ed\u65f6\u95f4\u5185\u5b8c\u6210\u5c31\u597d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. \u521a\u6765\u52a0\u62ff\u5927\u6ca1\u6709\u4fe1\u7528\u8bb0\u5f55\uff0c\u53ef\u4ee5\u4e70\u623f\u5417\uff1f<\/h3>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u4fe1\u7528\u5c40\u81f3\u5c11\u6bcf\u6708\u66f4\u65b0\u4e00\u6b21\u5206\u6570\u3002\u964d\u4f4e\u4f7f\u7528\u7387\u8fd9\u7c7b\u6539\u53d8\uff0c\u4e0b\u4e00\u6b21\u66f4\u65b0\u540e\u5c31\u53ef\u80fd\u770b\u5230\uff1b\u903e\u671f\u7b49\u8d1f\u9762\u8bb0\u5f55\u7684\u5f71\u54cd\u5219\u9700\u8981\u66f4\u957f\u65f6\u95f4\u624d\u4f1a\u51cf\u5f31\u3002\u6bcf\u4e2a\u4eba\u7684\u60c5\u51b5\u4e0d\u540c\uff0c\u6240\u4ee5\u8d8a\u65e9\u5f00\u59cb\u8d8a\u597d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5ef6\u4f38\u9605\u8bfb<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u300a<a href=\"\/en\/toronto-first-time-home-buyer-guide\/\">Toronto Home Buyer's Handbook: A Must-Read Guide for First-Time Buyers<\/a>\u300b<\/li>\n\n<li>\u300a<a href=\"\/en\/before-you-buy\/\">Think These 5 Things Through Before You Rush to Buy<\/a>\u300b<\/li>\n\n<li>\u300a<a href=\"\/en\/closing-costs-toronto\/\">Beyond the Down Payment: What Else Do You Need to Budget for When Buying in Toronto?<\/a>\u300b<\/li>\n\n<li>\u300a<a href=\"\/en\/canada-vs-china-home-buying\/\">Buying a Home in Canada vs. China: The Biggest Differences<\/a>\u300b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u672c\u6587\u4ec5\u4f9b\u53c2\u8003\uff0c\u5177\u4f53\u8d37\u6b3e\u6761\u4ef6\u4ee5\u8d37\u6b3e\u673a\u6784\u548c\u8d37\u6b3e\u7ecf\u7eaa\u7684\u8bc4\u4f30\u4e3a\u51c6\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u51c6\u5907\u4e70\u623f\u7684\u8bdd\uff0c\u6b22\u8fce\u9884\u7ea6\u514d\u8d39\u54a8\u8be2\uff0c\u6211\u53ef\u4ee5\u4ecb\u7ecd\u719f\u6089\u65b0\u79fb\u6c11\u8d37\u6b3e\u7684\u8d37\u6b3e\u7ecf\u7eaa\uff0c\u5e2e\u4f60\u63d0\u524d\u89c4\u5212\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>Your credit score directly affects whether you are approved for a mortgage and the rate you get. This article explains how credit scores work in Canada, hard versus soft inquiries, how to check your Equifax and TransUnion reports for free, how to correct errors, and how newcomers and international students can build credit from scratch, with a timeline before applying for a mortgage and common questions.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[91,90,93,92,94],"class_list":["post-132","post","type-post","status-publish","format-standard","hentry","category-buying-guide","tag-credit-score","tag-90","tag-93","tag-92","tag-94"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u52a0\u62ff\u5927\u4fe1\u7528\u5206\u6570\u600e\u4e48\u63d0\u9ad8\uff1f\u7533\u8bf7\u623f\u8d37\u524d\u7684 6 \u4e2a\u65b9\u6cd5 | Kris Wang<\/title>\n<meta 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