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所在平台: Udemy |
课程主页: https://www.udemy.com/course/credit-reports-and-fico-scoring-for-college-age-students/
课程评论：没有评论
**课程名称：** 信用报告与 FICO 评分（面向大学生） **课程概述：** 本课程将深入探讨自 1995 年以来，信用评分系统如何重塑我们的社会，并直接影响我们使用信用时的成本。课程将对比过去由人工审核信用报告的时代，以及如今全自动化、以 FICO 信用分数来决定的模式。 我们将详细讲解： * **信用评分在借贷中的作用：** 银行、信用卡公司等贷款机构如何利用信用分数评估借贷风险，从而决定贷款资格、利率和信用额度，甚至预测可能带来最高收益的客户。 * **信用评分的广泛应用：** 信用评分不仅限于金融机构，手机运营商、保险公司、雇主、房东以及政府部门等也广泛采用信用评分技术。 * **影响信用分数的因素：** 课程将解析各种评分系统，并重点说明逾期还款和账户余额如何影响信用分数。 * **不同 FICO 评分模型的差异：** 我们将介绍从 FICO 到 FICO 10 T 等不同评分模型，并展示其可能存在的差异（例如，在课程所使用的模型中，分数可能相差 63 分）。 通过本课程，大学生将 Gain 宝贵的知识，了解信用评分的运作机制及其重要性，为未来的财务管理打下坚实的基础。
Beginning in 1995, our credit Society has morphed into a scoring system that will dictate how much you will pay for your purchases if you use credit. Prior to that, a bank loan officer or a mortgage company or a credit card company would have to actually review the report manually, whereas now, it is all automated using this FICO credit number.Lenders, such as banks and credit card companies, use credit scores to assess the possible risk posed by lending money to consumers and to diminish their losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue.Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, employers, landlords, and government departments employ the same techniques.We will go over the various scoring systems and how a credit score is affected by late payments and balances.We will also show how various scoring models from FICO to to FICO 10 T can vary. In the model we use, it will vary by 63 points.
