数以百万计之多的美国人信用积分降到了新低。
The credit scores of millions more Americans are sinking to new lows.
系统根据所返回的信用报告计算申请人的信用积分。
The system calculates the applicant's credit score based on the returned credit report.
它不会提供给你实际的信用积分，但是大多数的人也不需要他。
It won't give you your actual credit score, but most people don't need it.
结果显示了在过去的两年中出于最低信用积分的人数增加了240万。
Its findings represent an increase of about 2.4 million people in the lowest credit score categories in the past two years.
只是增加了你的信用积分10分，你可以节省数千万元利息。
Just by increasing your credit score by 10 points, you may save thousands of dollars in interest.
你不会意识到一个良好的信用积分有多重要，直到你不再有的时候。
You won't realize how important a good credit score is until you no longer have one.
还有，用固定利率贷款取代周转贷款会增加你的信用积分，Karnani说。
Also, replacing revolving credit with a fixed-rate loan should boost your credit score, Karnani says.
在之前的博文中，我们对FICO信用和信用积分进行了一般探究。
In previous blog posts, we have explored the nature of FICO and credit scores in general.
收紧的信用和降低的信用积分使消费者比平常人更难申请到信用卡。
Tight credit and lower credit scores have made it more difficult than ever for some people to qualify for a credit card.
支付宝上的信用积分从350到950不等，它由职业、工资水平、信用历史和教育背景等因素决定。
Credit scores on the app range from 350 to 950, and are determined by factors such as job, salary, credit history and level of education.
举例来说，银行通过信用积分来判断申请人的还贷能力，该信用积分就是基于过往银行交易数据得到的。
For example, Banks use credit scores, based on data about past financial transactions, to judge an applicant's ability to repay a loan.
相反的，你应该把精力专注在建立良好信用记录和信用积分上，这样当你需要贷款时，你就能获得最低利率了。
Instead, focus on building a solid credit history and credit score so you can finally nab a killer interest rate when you go sign a mortgage.
不要对信用卡套利，从一个0利率的信用卡转到另一个，因为这会破坏你的信用积分，一小步失误带来巨大损失。
Do not arbitrage credit CARDS, rolling from one zero-interest card to another, because it can trash your credit score, and one tiny misstep can cost a fortune.
据Experian(一个全球信用机构)的信用积分(一种财政责任的度量)显示，实际上男性和女性之间并无差别。
According to Experian, a global credit group, credit scores-a measure of fiscal responsibility-show virtually no difference between men and women.
由美国个人消费信用评估公司(FICO Inc。)提供的数据显示，25.5%的客户，接近4330万人，现在的信用积分等于或低于599，这使他们变成了放贷机构的亏空风险。
Figures provided by FICO Inc. show that 25.5 percent of consumers - nearly 43.4 million people - now have a credit score of 599 or below, marking them as poor risks for lenders.
一旦这种事情发生，即便他们过去有着优秀的信用历史，也可能需要积攒数年才能挣回这些积分。
Once the damage is done, it could be years before this group can restore their scores, even if they had strong credit histories in the past.
那些积分在650到699之间的，作为占主要份额的中等信用的客户也有显著的变化。
There's also been a notable shift in the important range of people with moderate credit, those with scores between 650 and 699.
所以，只需带一张信用卡。可以携带一张积分或返现多的，或者一张不收取国际手续费的（我倾向于这点）。
Instead, stick to one credit card. Either one that gets you the most points or cashback or one that doesn't charge international fees (my preference).
做些研究，发现你是否能用借记卡或信用卡挣积分。
Do some research and find out if you can earn points with your debit card or credit card.
与航空里程数或礼物积分联结在一起的信用卡是这个领域里最早使用的手段，但是现在是时候抛弃它们了。
Credit card rewards tied to airline miles or gift points were the earliest players in the sector, but it's time to dump them.
花旗银行将开始测试一款带有一对按钮和小指示灯的信用卡，用户在结账时可以选择使用积分还是信用付款。
Citibank will begin testing a card that has 2 buttons and tiny lights that allow users to choose at the register whether they want to pay with rewards points or credit.
如果你用你的积分信用卡花了25000美元买一辆新车，你就为你自己节省了500美元。
If you buy a new car for $25, 000 with your rewards credit card, you just saved yourself $500.
如果你有一张航空积分里程信用卡，正如我说的（西南签证），你可以为你自己赢得一个价值20000美元的免费往返旅行班机。
If you have an airline miles rewards card, as I do (Southwest Visa), you can earn yourself a free round trip flight for about $20, 000 in purchases.
如果你有一张航空积分里程信用卡，正如我说的（西南签证），你可以为你自己赢得一个价值20000美元的免费往返旅行班机。
If you have an airline miles rewards card, as I do (Southwest Visa), you can earn yourself a free round trip flight for about $20,000 in purchases.
客户沃克曼承认，“关于这则信用报道没什么损人的意思。”然而，他最近得到的一项车贷可能又会拉下了他的积分。
"There was nothing derogatory on his credit report," Workman said of the customer. He had, however, recently gotten an auto loan, which likely lowered his score.
客户沃克曼承认，“关于这则信用报道没什么损人的意思。”然而，他最近得到的一项车贷可能又会拉下了他的积分。
"There was nothing derogatory on his credit report," Workman said of the customer. He had, however, recently gotten an auto loan, which likely lowered his score.
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