{"id":1447,"date":"2023-03-15T17:06:33","date_gmt":"2023-03-15T17:06:33","guid":{"rendered":"https:\/\/growthcommission.org\/?p=1447"},"modified":"2023-03-15T17:06:33","modified_gmt":"2023-03-15T17:06:33","slug":"4-ting-som-vil-odelegge-kredittvurderingen-din","status":"publish","type":"post","link":"https:\/\/growthcommission.org\/no\/4-ting-som-vil-odelegge-kredittvurderingen-din\/","title":{"rendered":"4 ting som vil \u00f8delegge kredittvurderingen din"},"content":{"rendered":"<p>P\u00e5 et tidspunkt i livet ditt vil du kreve litt kreditt. Kanskje du \u00f8nsker \u00e5 starte en bedrift, eie et hus eller ta seg av en n\u00f8dsituasjon. Selv med den beste sparevanen, kan kontantene dine v\u00e6re tilstrekkelige. N\u00e5r du anskaffer et l\u00e5n eller kredittfasilitet, er en av vurderingene dine kredittvurderinger og kredittvurderinger. Hvor du plasserer deg p\u00e5 en kredittvurderingsskala kan ha stor innvirkning.<\/p>\n<h2>Hva er en kredittvurdering?<\/h2>\n<p>Kredittvurderingen er vurderingen av din evne til \u00e5 <a href=\"https:\/\/www.dnb.no\/okonomisk-radgiver\/ditt-okonomiske-dna\/articles\/laaneguiden-dette-bor-du-vite\">betale tilbake et l\u00e5n<\/a> eller forpliktelse uten \u00e5 misligholde. Hver gang du tar en kredittfasilitet, gir de deg noen poeng kjent som kredittvurderingsscore. Finansinstitusjoner og kreditorer sjekker kredittpoengene dine for \u00e5 avgj\u00f8re om du kvalifiserer for et l\u00e5n eller ikke. Av denne grunn m\u00e5 du ta hensyn til kredittvurderingen din. For en mer detaljert forklaring p\u00e5 hva som utgj\u00f8r poengsummen, se f\u00f8lgende rapport fra Forbes. Men det som er viktigst med en gang, er \u00e5 unng\u00e5 atferd som vil senke den totale poengsummen din. Her er noen aspekter som kan \u00f8delegge kredittvurderingen din.<\/p>\n<h2>Unnlatelse av \u00e5 betale regninger og gjeld i tide<\/h2>\n<p>Gjeld trenger ikke i seg selv \u00e5 skade kredittscorene dine, men det er n\u00e5r du ikke klarer \u00e5 fjerne dem i tide. Mange utsetter tilbakebetalingen av regningen selv n\u00e5r de har penger til \u00e5 betale dem. N\u00e5r du gj\u00f8r dette, indikerer du at din evne til \u00e5 betale l\u00e5n er lav. Resultatet er en reduksjon av kredittpoengene dine. S\u00e5 n\u00e5r potensielle kreditorer ser dem, vil de sannsynligvis nekte deg noen gjeld. Ikke sett deg selv i den situasjonen hvis det ikke er n\u00f8dvendig. Spesielt siden verden aldri har v\u00e6rt mer gjeldsatt enn den er n\u00e5. Du kan unng\u00e5 disse konsekvensene ved rettidig betaling av gjeld og regninger. Denne praksisen vil indikere at du har en sunn tilbakebetalingsadferd. P\u00e5 denne m\u00e5ten vil du \u00f8ke kredittvurderingen og f\u00e5 en bedre plassering p\u00e5 en kredittskala.<\/p>\n<h2>Holde en h\u00f8y kredittkortsaldo<\/h2>\n<p>Noen ganger er det uunng\u00e5elig \u00e5 ha et kredittkort. Du vil ha noen n\u00f8dsituasjoner som oppst\u00e5r n\u00e5r sparepengene dine er sv\u00e6rt lave. Men noen ganger kan forbruksatferden \u00f8ke kredittkortsaldoen din. Slik balanse spiser opp <a href=\"https:\/\/www.finansportalen.no\/andre-valg\/artikler\/dine-rettigheter-og-plikter-ved-kredittkjop\/\">kredittpoengene dine<\/a>. Det indikerer at du finansierer livet ditt gjennom gjeld. Som s\u00e5dan vil ingen kreditor samarbeide med deg da de ser p\u00e5 deg som h\u00f8yrisikokunder. For \u00e5 unng\u00e5 \u00e5 skade vurderingen din, b\u00f8r du vurdere \u00e5 holde kredittkortsaldoene lave. Finanseksperter anbefaler kunder \u00e5 alltid holde denne balansen under 30 %. P\u00e5 denne m\u00e5ten vil du ha en sunn kredittvurdering og bli et m\u00e5l for kreditorer.<\/p>\n<h2>S\u00f8ker om nye kredittkort regelmessig<\/h2>\n<p>N\u00e5r du har et stort behov for kontanter og ingen er villige til \u00e5 l\u00e5ne deg, er kredittkort alltid \u00e5pne for deg. Du vil lett f\u00f8lge inn i fristelsen. Men f\u00f8r du s\u00f8ker om det nye kredittkortet, er det viktig \u00e5 vite hvordan det p\u00e5virker kredittvurderingen din. Et nytt kredittkort vil skade kredittpoengsummen din. Virkningen vil v\u00e6re den samme enten s\u00f8knaden din g\u00e5r igjennom eller ikke. S\u00e5 hvis du ikke vil \u00f8delegge vurderingene dine, unng\u00e5 \u00e5 f\u00e5 nye kredittkort.<\/p>\n<h2>Ignorerer kredittspredning<\/h2>\n<p>Mange mennesker har en opphopning av kortsiktige l\u00e5n. Du har flere kredittkort, n\u00f8dl\u00e5n, kassekreditt og andre m\u00e5nedlige tilbakebetalingsl\u00e5n. \u00c5 ha disse mengden av l\u00e5n skader kredittvurderingen din. Det er imidlertid vanskelig \u00e5 unng\u00e5 l\u00e5n hvis du \u00f8nsker \u00e5 \u00f8ke nettoformuen. Hemmeligheten med \u00e5 v\u00e6re p\u00e5 gjeld uten \u00e5 skade kredittscore er kredittspredning. Dette aspektet betyr at du har en blanding av b\u00e5de kort- og langsiktige kredittfasiliteter. Som du kan se, vil d\u00e5rlig kredittpraksis alltid skade vurderingene dine. Arbeid derfor med \u00e5 endre l\u00e5ne- og forbruksatferden din for \u00e5 \u00f8ke kredittvurderingen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u00e5 et tidspunkt i livet ditt vil du kreve litt kreditt. Kanskje du \u00f8nsker \u00e5 starte en bedrift, eie et hus eller ta seg av en n\u00f8dsituasjon. Selv med den&hellip; <\/p>\n","protected":false},"author":1,"featured_media":1448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[102,98],"tags":[],"class_list":["post-1447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-livsstil-no","category-okonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 ting som vil \u00f8delegge kredittvurderingen din - Growth Commission<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/growthcommission.org\/no\/4-ting-som-vil-odelegge-kredittvurderingen-din\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 ting som vil \u00f8delegge kredittvurderingen din - Growth Commission\" \/>\n<meta property=\"og:description\" content=\"P\u00e5 et tidspunkt i livet ditt vil du kreve litt kreditt. 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