退休会影响我的FICO吗® 分数?
Keep track of your 信用评分 in retirement.
If you worked hard to build a strong 信用评分, don't let it unravel once you retire. Though you may not be in the market for an auto loan or a mortgage (and it's probably not wise to take on new debt when you are no longer drawing a salary), a good 信用评分 will continue to serve you well no matter your age.
第一个, you never know when you might need to borrow, so a good 信用评分 can help you keep your options open. 以及现有的信贷额度, 比如信用卡, can readjust your interest rate based on deteriorating credit. It's important not to close long time accounts or credit cards.
But you may need to adopt a different strategy for maintaining your 信用评分 in retirement 比你工作时做得多. 用这些想法 保持你的信用.
拿出塑料
At 35%, payment history is the biggest component that goes into making up your 信用评分. Continuing to demonstrate good payment habits can keep this part of your 信用评分 up. Make sure to use your credit cards on a regular basis — and pay the bills off promptly.
不要用尽所有可用的信用额度
Your 信用评分 is also affected by your 信贷的利用率 rate, which is how much of your available credit you are currently using. The lower the rate, the better it is for your 分数. 如果你使用了超过 30%的可用贷款, consider paying down some debt and don't pile on more.
警惕身份盗窃
T在这里's no surer way to suffer a poor 信用评分 than to fall victim to 身份盗窃. Sign up for a credit monitoring service — often available through a credit card company at no charge — to 提醒你注意可疑活动. You can monitor your credit report without leaving the couch.
保持信用记录
While it may be tempting to no longer use credit it could have an impact in the future. If you want to start working again, employers many times look at credit reports when hiring. 也, if you find yourself wanting to move to a retirement community, they could rely on 信用评分 in your evaluation.
