我 2010 五月十一号交到USCIS TSC的case# Immigration - 落地生根
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1. You have never missed a payment.
You have done a great job at making all of your payments on time. The
purpose of a credit score is to help lenders predict whether or not you will
miss payments in the future, so keeping your record clean is a very
positive factor.
2. You do not have any maxed-out credit cards.
Credit cards are considered "maxed-out" when you have spent 90% or more of
the credit limit. Lenders view you as someone who uses their credit
responsibly and spends only what they can afford.
3. Your Credit Used % is less than 16%.
You have spent very little of the credit that has been extended to you.
Lenders see this as a sign of responsible credit behavior and are likely to
extend you additional credit as a result.
4. Your average credit card limit is more than $5,000.
Lenders recognize that with higher credit limits comes increased
responsibility, and that you have managed to build strong relationships with
other lenders. Your relatively high credit limits signal to lenders that
you are a trustworthy candidate for new lines of credit.
5. You have no installment loans.
Installment loans usually carry large fixed monthly payments. Keeping your
credit report clear of these major monthly expenses tells lenders that you
have more money available to take on the additional debt of a new account.
6. You have two or more open credit cards.
Credit Cards allow you to both spend money and decrease debt; unlike
mortgages or installment loans where you only decrease debt. Lenders like to
see multiple credit cards on your credit report, because they are able to
use them to better determine your ability to manage your spending.
7. Your mortgage is in good standing.
Lenders recognize that obtaining and maintaining a mortgage requires more
skill and discipline than other account types. This makes them more
confident in your ability to take on new accounts and still meet your
financial obligations.
8. You do not have any Public Records.
You do not have any Public Records (i.e. bankruptcies, tax liens, and court
judgments) on your credit report. Lenders see these issues as major barriers
to extending additional credit.
You have done a great job at making all of your payments on time. The
purpose of a credit score is to help lenders predict whether or not you will
miss payments in the future, so keeping your record clean is a very
positive factor.
2. You do not have any maxed-out credit cards.
Credit cards are considered "maxed-out" when you have spent 90% or more of
the credit limit. Lenders view you as someone who uses their credit
responsibly and spends only what they can afford.
3. Your Credit Used % is less than 16%.
You have spent very little of the credit that has been extended to you.
Lenders see this as a sign of responsible credit behavior and are likely to
extend you additional credit as a result.
4. Your average credit card limit is more than $5,000.
Lenders recognize that with higher credit limits comes increased
responsibility, and that you have managed to build strong relationships with
other lenders. Your relatively high credit limits signal to lenders that
you are a trustworthy candidate for new lines of credit.
5. You have no installment loans.
Installment loans usually carry large fixed monthly payments. Keeping your
credit report clear of these major monthly expenses tells lenders that you
have more money available to take on the additional debt of a new account.
6. You have two or more open credit cards.
Credit Cards allow you to both spend money and decrease debt; unlike
mortgages or installment loans where you only decrease debt. Lenders like to
see multiple credit cards on your credit report, because they are able to
use them to better determine your ability to manage your spending.
7. Your mortgage is in good standing.
Lenders recognize that obtaining and maintaining a mortgage requires more
skill and discipline than other account types. This makes them more
confident in your ability to take on new accounts and still meet your
financial obligations.
8. You do not have any Public Records.
You do not have any Public Records (i.e. bankruptcies, tax liens, and court
judgments) on your credit report. Lenders see these issues as major barriers
to extending additional credit.