是违约引起了信用分数下降的趋势么？
大多数担保公司将寻找信用分数670或更高。
Most bonding companies will be looking for credit scores of 670 or higher.
这意味着信用分数下降状态是一个渐进的过程。
因此，得到的副本您菲佐信用分数和信用报告，从任何三个局。
So get copies of your FICO credit scores and credit reports from any of the three bureaus.
你的信用分数可以决定你的信用和你的能力得到贷款申请的批准。
Your credit scores can determine your credit worthiness and your ability to get loan applications sanctioned.
这意味着你的信用分数可能会有所不同，从信用报告机构到另一个。
This means that your credit scores may vary from credit reporting agency to another.
信用分数原本是一个绝密的数量和贷款，只有专业人士可以采取一览。
Credit scores used to be a top secret number and only lending professionals are allowed to take a peek at it.
CreditRating：包含信用等级信息，如信用分数和信用额度。
CreditRating: Contains credit rating information such as credit score and credit limit. The credit rating business object (CreditRating) consists of three attributes.
因此我们可以得出这样的结论：违约风险并不会引起信用分数下降的趋势。
We can assume that the default by itself didn't cause the drop in FICO Score Trend.
下图展示了不同原始信用分数的借款人的违约和全额支付两种状态的贷款所占比例。
The chart below shows the percentage of loans with loan status of Default and Fully Paid for each Original FICO Score Range of borrowers.
该组件接收一个具有ID和名称的数据对象，然后返回另一个包含信用分数和信用额度的数据对象。
The component will take in a data object with an ID and name, and then return another data object containing a credit score and credit limit.
他们在可自由选择的物品上花费少了，许多人在努力使收支平衡——更糟的是他们是否有流露出信用分数。
They are spending less on discretionary items, and many are struggling to keep their balances down-even, ominously, if they have gleaming credit scores.
这个借贷者的信用分数为680分，有两次逾期未还款的行为，以及18000美元的循环信用余额。
The borrower had a 680 credit score, two delinquencies, and a $18,000 revolving credit balance.
他们还可以显示减少还款能力来衡量的信用分数，债务对收入比率，或其他标准，可能包括借款人的信用记录不全。
They may also display reduced repayment capacity as measured by credit scores, debt-to-income ratios, or other criteria that may encompass borrowers with incomplete credit histories.
为了直观的解决这种争议，我们决定在不同的原始信用分数和贷款状态下展示上升、下降、持平三种趋势所占的比例。
To test for this caveat intuitively, we decided to plot the percentage of loans with UP, DOWN, and FLAT FICO Score Trend for different Original FICO Score and loan Status.
今年秋季，就到深的损失，通用汽车表示，它将只与贷款人的信用分数为700或更高，有效地切断了数以百万计的潜在的借款人。
This fall, on account of its deep losses, GMAC said it would only lend to people with credit scores of 700 or higher, effectively cutting off millions of potential borrowers.
这两个网站都会为借款人发布贷款人的信用分数，借款人可以根据这些信息以及贷款人的收入和置业报告来选择他们要为谁提供贷款。
Both sites post credit scores for borrowers, and lenders can use that information as well as income and home ownership reports to pick the loans they want to supply.
她的信用分数为780分，没有逾期未还款行为，而且她还用可爱的字眼描述了，作为一名执业护士，她准备如何开始自己的新生活。
She had a 780 credit score, no delinquencies, and wrote a lovely description of how she plans to start a new life as a nurse practitioner.
上述观察产生了一个警示：当贷款违约，特别是这类事件被披露在借款人的信用报告中时，这份报告反过来又降低了借款人的信用分数。
One caveat to the above observation may be that when loan defaults, typically such events are reported on borrower's credit report which in turn results in lowering of FICO score for the borrower.
这是因为信用局分数不是唯一的分数使用。
This is because credit bureau scores are not the only scores used.
这也意味着债务已经向信用局报告，可以影响到信贷分数。
It also means the debt has been reported to credit bureaus and can affect someone's credit score.
而且同样重要的是保持自己的信用包含在您的信用报告，至少每年一次，分数的轨道。
And it is equally important to keep track of your credit scores contained in your credit report, at least on an annual basis.
注：如信用卡账户内的可用积分少于所需积分，本行将以每260分相等于HK$1的兑换率尽量扣除可供换领的分数。
Note: If the available Bonus Points in the card account are less than the Bonus Points required, the Bank will debit as much as possible at the conversion rate of every 260 Bonus Points to HK$1.
注：如信用卡账户内的可用积分少于所需积分，本行将以每260分相等于HK$1的兑换率尽量扣除可供换领的分数。
Note: If the available Bonus Points in the card account are less than the Bonus Points required, the Bank will debit as much as possible at the conversion rate of every 260 Bonus Points to HK$1.
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