{"id":6322,"date":"2022-12-20T16:38:05","date_gmt":"2022-12-21T00:38:05","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=6322"},"modified":"2023-02-06T14:18:31","modified_gmt":"2023-02-06T22:18:31","slug":"credit_score_calculation","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/credit_score_calculation\/","title":{"rendered":"\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\u6539\u5584\u3068\u7dad\u6301\u3000-\u3000\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u78ba\u8a8d\u3057\u3066\u3001\u9ad8\u304f\u3059\u308b"},"content":{"rendered":"\n<p>\u30a2\u30e1\u30ea\u30ab\u3067\u66ae\u3089\u3059\u9650\u308a\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u306f\u975e\u5e38\u306b\u91cd\u8981\u306a\u3053\u3068\u3067\u3059\u3002\u5927\u304d\u306a\u8cb7\u3044\u7269\u3092\u3059\u308b\u3068\u304d\u306e\u30ed\u30fc\u30f3\u304b\u3089\u30a2\u30d1\u30fc\u30c8\u306e\u5951\u7d04\u307e\u3067\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/?p=1359\" 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style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u304c\u57fa\u672c\">\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u304c\u57fa\u672c<\/h2>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u304b\u3089\u8a08\u7b97\u3055\u308c\u308b\">\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u304b\u3089\u8a08\u7b97\u3055\u308c\u308b<\/h3>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3068\u3044\u3046\u306e\u306f\u3001\u79c1\u305f\u3061\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u6d3b\u52d5\uff08\u501f\u308a\u3066\u3001\u8fd4\u3059\uff09\u306e\u5c65\u6b74\u3067\u3059\u3002\u305d\u306e\u4eba\u304c\u3001\u3069\u3093\u306a\u30ed\u30fc\u30f3\u3092\u501f\u308a\u3066\u3044\u3066\u3001\u3061\u3083\u3093\u3068\u6c7a\u3081\u3089\u308c\u305f\u984d\u3092\u4e88\u5b9a\u901a\u308a\u8fd4\u3057\u3066\u3044\u308b\u304b\u3001\u3069\u3093\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3082\u6301\u3063\u3066\u3044\u3066\u6bce\u6708\u3044\u304f\u3089\u306e\u6b8b\u9ad8\u304c\u3042\u308a\u3001\u8fd4\u6e08\u72b6\u6cc1\u306f\u3069\u3046\u304b\u306a\u3069\u306b\u3064\u3044\u3066\u3001\u7d30\u304b\u306a\u5831\u544a\u304c\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u5c65\u6b74\u60c5\u5831\u3092\u3082\u3068\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u6210\u7e3e\u3092\u6570\u5024\u5316\u3057\u305f\u306e\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u306e\u30c1\u30a7\u30c3\u30af\u3068\u30e1\u30f3\u30c6\">\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u306e\u30c1\u30a7\u30c3\u30af\u3068\u30e1\u30f3\u30c6<\/h3>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u4e0a\u3052\u305f\u3044\u3068\u601d\u3048\u3070\u3001\u305d\u306e\u5927\u5143\u3068\u306a\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u4f5c\u3063\u3066\u3044\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u3053\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u306fEquifax\u3001Experian\u3001TransUnion\u3068\u3044\u3046\u4e3b\u89813\u793e\u304c\u53ce\u96c6\u7dad\u6301\u3092\u884c\u3066\u3044\u307e\u3059\u3002\u3068\u3053\u308d\u304c\u3001\u3053\u306e\u60c5\u5831\u53ce\u96c6\u306e\u7dad\u6301\u306b\u304a\u3044\u3066\u3001\u9593\u9055\u3044\u304c\u8d77\u3053\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u305f\u3060\u306e\u9593\u9055\u3044\u306a\u3089\u3070\u307e\u3060\u3044\u3044\u3082\u306e\u306e\u3001\u60aa\u8cea\u306a\u8a50\u6b3a\u306b\u3088\u3063\u3066\u8ab0\u304b\u304c\u81ea\u5206\u306b\u6210\u308a\u3059\u307e\u3057\u3066\u30ed\u30fc\u30f3\u3092\u501f\u308a\u3066\u3044\u3066\u8fd4\u6e08\u304c\u5927\u304d\u304f\u6ede\u3063\u3066\u3044\u305f\u306a\u3069\u3068\u3044\u3046\u3088\u3046\u306a\u30b1\u30fc\u30b9\u3082\u3042\u308a\u3048\u307e\u3059\u3002\u305d\u3093\u306a\u5834\u5408\u306f\u3001\u3044\u3084\u304c\u304a\u3046\u306b\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u60aa\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\">\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b<\/h3>\n\n\n\n<p>\u306a\u306e\u3067\u3001\u5b9a\u671f\u7684\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\uff08\u30af\u30ec\u30b8\u30c3\u30c8\u30ec\u30dd\u30fc\u30c8\u3068\u547c\u3070\u308c\u305f\u308a\u3057\u307e\u3059\uff09\u306e\u5185\u5bb9\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u304c\u809d\u8981\u3067\u3059\u3002\u6cd5\u5f8b\u3067\u3001\u308f\u305f\u3057\u305f\u3061\u306b\u306f\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u7121\u6599\u3067\u30c1\u30a7\u30c3\u30af\u3067\u304d\u308b\u6a29\u5229\u304c\u3042\u308a\u307e\u3059\u3002\u4e0a\u8a18\u306eEquifax\u3001Experian\u3001TransUnion 3\u793e\u304b\u3089\u30011\u793e\u3054\u30681\u5e74\u306b\u3064\u304d\uff11\u56de\u7121\u6599\u30c1\u30a7\u30c3\u30af\u304c\u3067\u304d\u307e\u3059\u3002\u5404\u793e\u305d\u308c\u305e\u308c\u72ec\u81ea\u3067\u60c5\u5831\u53ce\u96c6\u3092\u884c\u3063\u3066\u3044\u308b\u306e\u3067\u30013\u793e\u3059\u3079\u3066\u306e\u60c5\u5831\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u7121\u6599\u30b5\u30fc\u30d3\u30b9\u306e\u5229\u7528\u306f\u3001\u4e0b\u8a18\u306e\u30b5\u30a4\u30c8\u304b\u3089\u884c\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4f3c\u305f\u3088\u3046\u306a\u540d\u524d\u3067\u6709\u6599\u30b5\u30fc\u30d3\u30b9\u3092\u3057\u3066\u3044\u308b\u7b2c\u4e09\u8005\u30d3\u30b8\u30cd\u30b9\u3082\u3042\u308b\u306e\u3067\u3001\u6c17\u3092\u4ed8\u3051\u3066\u304f\u3060\u3055\u3044\u3002\u3082\u3057\u3054\u4e0d\u5b89\u306a\u3089\u3001<a target=\"_blank\" href=\"https:\/\/consumer.ftc.gov\/articles\/free-credit-reports\" >Federal Trade Commission<\/a>\uff08\u9023\u90a6\u53d6\u5f15\u59d4\u54e1\u4f1a\uff09\u306e\u30da\u30fc\u30b8\u304b\u3089\u3001Free Credit Report\u306e\u30ea\u30f3\u30af\uff08\u4e0b\u3068\u540c\u3058\uff09\u306b\u884c\u304b\u308c\u308b\u306e\u304c\u78ba\u5b9f\u3067\u3059\u3002<\/p>\n\n\n\n<p>&nbsp;<a target=\"_blank\" href=\"https:\/\/consumer.ftc.gov\/now-leaving?external_url=http%3A%2F%2Fwww.annualcreditreport.com%2F&amp;back_url=https%3A%2F%2Fconsumer.ftc.gov%2Farticles%2Ffree-credit-reports\" >AnnualCreditReport.com<\/a><\/p>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30c1\u30a7\u30c3\u30af\u306e\u983b\u5ea6\">\u30c1\u30a7\u30c3\u30af\u306e\u983b\u5ea6<\/h3>\n\n\n\n<p>Equifax\u3001Experian\u3001TransUnion 3\u793e\u304b\u3089\u30011\u793e\u30fb1\u5e74\u306b\u3064\u304d1\u56de\u7121\u6599\u3067\u30ec\u30dd\u30fc\u30c8\u304c\u3082\u3089\u3048\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u30c1\u30a7\u30c3\u30af\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u306f\u3069\u3046\u3057\u307e\u3057\u3087\u3046\u304b\uff1f<\/p>\n\n\n\n<p>\u3082\u3057\u3082\u3042\u306a\u305f\u304c\u3001\u8eca\u3084\u5bb6\u306a\u3069\u5927\u304d\u306a\u8cb7\u3044\u7269\u3092\u3059\u308b\u306e\u3067\u3001\u3059\u3079\u3066\u306e\u4f1a\u793e\u306b\u304a\u3044\u3066\u9593\u9055\u3044\u304c\u306a\u3044\u304b\u3092\u3059\u3050\u306b\u78ba\u8a8d\u3057\u305f\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3042\u308c\u3070\u30013\u793e\u540c\u6642\u306b\u30ec\u30dd\u30fc\u30c8\u3092\u4f9d\u983c\u3059\u308b\u306e\u3082\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u3068\u304f\u306b\u5927\u304d\u306a\u8cb7\u3044\u7269\u306f\u4eca\u306e\u3068\u3053\u308d\u306a\u3044\u306e\u3067\u3001\u6052\u5e38\u7684\u306b\u30c1\u30a7\u30c3\u30af\u3092\u3057\u3066\u3044\u304d\u305f\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3042\u308c\u3070\u30014\u304b\u6708\u3054\u3068\u306b\u7570\u306a\u308b1\u793e\u304b\u3089\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u78ba\u8a8d\u3059\u308b\u3068\u3044\u3046\u306e\u304c\u3088\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u3082\u3057\u3082\u9593\u9055\u3044\u304c\u3042\u3063\u305f\u3089\">\u3082\u3057\u3082\u9593\u9055\u3044\u304c\u3042\u3063\u305f\u3089<\/h3>\n\n\n\n<p>\u3082\u3057\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u306b\u9593\u9055\u3044\u304c\u3042\u3063\u305f\u3089\u3001\u3069\u3046\u3057\u307e\u3057\u3087\u3046\u304b\uff1f<\/p>\n\n\n\n<p>\u3053\u306e\u5834\u5408\u306f\u3001\u9593\u9055\u3044\u304c\u3042\u308b\u4f1a\u793e\u306b\u5bfe\u3057\u3066Dispute\uff08\u7570\u8b70\u7533\u3057\u7acb\u3066\uff09\u3092\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u308c\u305e\u308c\u3001\u4e0b\u8a18\u306e\u30da\u30fc\u30b8\u304b\u3089\u30aa\u30f3\u30e9\u30a4\u30f3\u3067Dispute\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p><a target=\"_blank\" href=\"https:\/\/www.equifax.com\/personal\/credit-report-services\/credit-dispute\/\" >Equifax Dispute<\/a><\/p>\n\n\n\n<p><a target=\"_blank\" href=\"https:\/\/www.transunion.com\/credit-disputes\/dispute-your-credit\" >TransUnion Dispute<\/a><\/p>\n\n\n\n<p><a target=\"_blank\" href=\"https:\/\/www.experian.com\/disputes\/main.html\" >Experian Dispute<\/a><\/p>\n\n\n\n<p>\u306a\u304a\u3001\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u4ed6\u306e\u4eba\u304c\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u3088\u3046\u306b\u3001Freeze\uff08\u51cd\u7d50\uff09\u3057\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u624b\u6cd5\u3082\u3042\u308a\u307e\u3059\u3002<a href=\"Freeze\u3059\u308c\u3070\u60aa\u8cea\u306a\u8a50\u6b3a\u306e\u78ba\u7387\u3092\u5927\u304d\u304f\u4e0b\u3052\u3089\u308c\u307e\u3059\">Freeze\u3059\u308c\u3070\u60aa\u8cea\u306a\u8a50\u6b3a\u306e\u78ba\u7387\u3092\u5927\u304d\u304f\u4e0b\u3052\u3089\u308c\u307e\u3059<\/a>\u3002\u3068\u306f\u3044\u3048\u3001\u5b9a\u671f\u7684\u306a\u30c1\u30a7\u30c3\u30af\u306f\u884c\u3063\u305f\u307b\u3046\u304c\u3088\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u3044\u308d\u3044\u308d\u3042\u308b\">\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u3044\u308d\u3044\u308d\u3042\u308b<\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2\u3064\u306e\u4e3b\u8981\u30b9\u30b3\u30a2\">2\u3064\u306e\u4e3b\u8981\u30b9\u30b3\u30a2<\/h3>\n\n\n\n<p>\u3044\u304f\u3064\u304b\u306e\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u306e\u3046\u3061\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u3088\u304f\u4f7f\u308f\u308c\u3066\u3044\u308b\u306e\u306fFICO\u30b9\u30b3\u30a2\u3068VantageScore\u306e\u4e8c\u3064\u3067\u3059\u3002FICO\u30b9\u30b3\u30a2\u306e\u307b\u3046\u304c\u6b74\u53f2\u304c\u9577\u304f\u3001\u4f7f\u308f\u308c\u3066\u3044\u308b\u983b\u5ea6\u3082\u9ad8\u3044\u3067\u3059\u3002\u3069\u3061\u3089\u306e\u30b9\u30b3\u30a2\u3082300\u304b\u3089850\u307e\u3067\u306e\u7bc4\u56f2\u3067\u30b9\u30b3\u30a2\u304c\u632f\u3089\u308c\u307e\u3059\u3002\u30b9\u30b3\u30a2\u306e\u6210\u7e3e\u306e\u6bb5\u968e\u304c\u3001\uff15\u30b0\u30eb\u30fc\u30d7\u306b\u5206\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u4e00\u822c\u7684\u306b\u306f\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u304c\u304a\u308a\u308b\u57fa\u6e96\u3068\u3057\u3066\u306f\u3001Good\/Fair\u4ee5\u4e0a\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c\u5fc5\u8981\u3068\u8a00\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/image.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"810\" height=\"254\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/image.png?resize=810%2C254&#038;ssl=1\" alt=\"\" class=\"wp-image-6294\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/image.png?w=917&amp;ssl=1 917w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/image.png?resize=300%2C94&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/image.png?resize=768%2C241&amp;ssl=1 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/a><\/figure>\n\n\n\n<div style=\"height:39px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u81ea\u5206\u306e\u30b9\u30b3\u30a2\u3092\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u308b\">\u81ea\u5206\u306e\u30b9\u30b3\u30a2\u3092\u30c1\u30a7\u30c3\u30af\u3057\u3066\u307f\u308b<\/h3>\n\n\n\n<p>\u7121\u6599\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u5165\u624b\u3057\u3066\u3082\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u542b\u307e\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u5225\u306b\u8abf\u3079\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6700\u8fd1\u3067\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u9280\u884c\u3067\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u3001\u305d\u306e\u4ed8\u5e2f\u30b5\u30fc\u30d3\u30b9\u3068\u3057\u3066\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u30c1\u30a7\u30c3\u30af\u3067\u304d\u308b\u3053\u3068\u304c\u591a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u30de\u30f3\u30b9\u30ea\u30fc\u30b9\u30c6\u30a4\u30c8\u30e1\u30f3\u30c8\u306b\u30b9\u30b3\u30a2\u306e\u8868\u793a\u304c\u3042\u3063\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u30c1\u30a7\u30c3\u30af\u3067\u304d\u308b\u3088\u3046\u306a\u3057\u304f\u307f\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305f\u3001\u3082\u3057\u30af\u30ec\u30b8\u30c3\u30c8\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u306a\u3069\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u3063\u3066\u304a\u3089\u308c\u308b\u306a\u3089\u3001\u305d\u3053\u3067\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c\u78ba\u8a8d\u3067\u304d\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u6628\u4eca\u306f\u500b\u4eba\u60c5\u5831\u6f0f\u6d29\u4e8b\u4ef6\u304c\u5897\u3048\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u3088\u3046\u306a\u4e8b\u4ef6\u306b\u5dfb\u304d\u8fbc\u307e\u308c\u305f\u4f1a\u793e\u304c\u3001\u88ab\u5bb3\u3092\u53d7\u3051\u305f\u30ab\u30b9\u30bf\u30de\u30fc\u306b\u5bfe\u3057\u3066\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u7121\u6599\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u30b1\u30fc\u30b9\u3082\u591a\u3044\u3067\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c\u78ba\u8a8d\u3067\u304d\u308b\u304b\u8abf\u3079\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<p>\u4e0a\u306e\u3069\u308c\u3082\u306a\u3044\u5834\u5408\u3001\u7121\u6599\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3001\u7b2c\u4e09\u8005\u30b5\u30a4\u30c8\uff08<a target=\"_blank\" href=\"\/www.creditkarma.com\">Credit Karma<\/a>\u3000\u3084\u3000<a href=\"http:\/\/www.creditsesame.com\/\" >Credit Sesami<\/a>\u306a\u3069\uff09\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u7b2c\u4e09\u8005\u30b5\u30a4\u30c8\u306e\u5229\u7528\u306f\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4e0a\u4e0d\u5b89\u304c\u3042\u308b\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001<a>Equifax\u3001TransUnion\u3001Experian<\/a>\u304b\u3089\u76f4\u63a5\u3001\u6709\u6599\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5bb6\u3084\u8eca\u306a\u3069\u5927\u304d\u306a\u8cb7\u3044\u7269\u3092\u3059\u308b\u306e\u3067\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u4e88\u5b9a\u304c\u3042\u308b\u5834\u5408\u306b\u306f\u3001\u3042\u3089\u304b\u3058\u3081\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\uff43\u30c1\u30a7\u30c3\u30af\u304c\u809d\u8981\u3067\u3059\u3002\u53cd\u5bfe\u306b\u305d\u3046\u3044\u3046\u4e88\u5b9a\u304c\u306a\u3051\u308c\u3070\u3001\u30b9\u30b3\u30a2\u306e\u4e0a\u4e0b\u3092\u3044\u3064\u3082\u3044\u3064\u3082\u30c1\u30a7\u30c3\u30af\u3057\u3066\u3044\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8cac\u4efb\u3092\u3082\u3063\u3066\u8fd4\u6e08\u3057\u3066\u3044\u308c\u3070\u3001\u30b9\u30b3\u30a2\u306f\u591a\u5c11\u306e\u4e0a\u4e0b\u306f\u3042\u308a\u306a\u304c\u3089\u3082\u81ea\u305a\u3068\u7dad\u6301\u3055\u308c\u3066\u3044\u304f\u3082\u306e\u3060\u304b\u3089\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u76ee\u7684\u306b\u3088\u3063\u3066\u7570\u306a\u308b\u30b9\u30b3\u30a2\">\u76ee\u7684\u306b\u3088\u3063\u3066\u7570\u306a\u308b\u30b9\u30b3\u30a2<\/h3>\n\n\n\n<p>\u3042\u308b\u4eba\u304c\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u30c1\u30a7\u30c3\u30af\u3057\u305f\u3068\u3057\u3066\u3001\u305d\u308c\u304c700\u3060\u3063\u305f\u3068\u3057\u307e\u3057\u3087\u3046\u3002\u305d\u306e\u4eba\u304c\u8eca\u3092\u8cb7\u3046\u306e\u3067\u3001\u30ed\u30fc\u30f3\u3092\u7533\u8acb\u3057\u305f\u3068\u3057\u307e\u3057\u3087\u3046\u3002\u81ea\u52d5\u8eca\u30ed\u30fc\u30f3\u3092\u767a\u884c\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u305d\u306e\u4eba\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u30c1\u30a7\u30c3\u30af\u3057\u307e\u3059\u3002\u3055\u3066\u3001\u305d\u306e\u30b9\u30b3\u30a2\u306f700\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n\n\n\n<p>\u7b54\u3048\u306f\u304b\u306a\u308a\u306e\u78ba\u5b9f\u3067NO\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u307e\u305a\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u60c5\u5831\u306e\u30bd\u30fc\u30b9\u304c\u3001Equifax\u3001TransUnion\u3001Experian\u3068\u3044\u30463\u793e\u3067\u591a\u5c11\u76f8\u9055\u3057\u3066\u3044\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u306e\u3067\u3001\u3069\u306e\u30bd\u30fc\u30b9\u3092\u4f7f\u3046\u304b\u306b\u3088\u3063\u3066\u9055\u3046\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306b\u3082\u3001FICO\u3068VantageScore\u3068\u3044\u30462\u7a2e\u985e\u304c\u3042\u308b\u3053\u3068\u3082\u95a2\u4e0e\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u3046\u3048\u81ea\u52d5\u8eca\u30ed\u30fc\u30f3\u4f1a\u793e\u306f\u3001\u81ea\u5206\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306b\u5408\u3046\u3088\u3046\u306b\u30b9\u30b3\u30a2\u306e\u8a08\u7b97\u3092\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3057\u3066\u3044\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u305e\u308c\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306b\u30a2\u30af\u30bb\u30b9\u3057\u3066\u9867\u5ba2\u3092\u5224\u65ad\u3059\u308b\u4f1a\u793e\u306f\u3001\u81ea\u5206\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u3068\u3063\u3066\u306e\u9867\u5ba2\u306e\u4fe1\u7528\u5ea6\u3092\u6b63\u78ba\u306b\u6e2c\u308b\u305f\u3081\u306b\u3001\u4e00\u822c\u7684\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\u8a08\u7b97\u3067\u306f\u306a\u304f\u3001\u72ec\u81ea\u306e\u8a08\u7b97\u65b9\u6cd5\u3092\u4f7f\u3046\u3053\u3068\u304c\u3042\u308b\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3088\u3063\u3066\u3001\u81ea\u5206\u306e\u30b9\u30b3\u30a2\u3092\u3044\u3061\u3044\u3061\u30c1\u30a7\u30c3\u30af\u3057\u3066\u4e0a\u304c\u3063\u305f\u4e0b\u304c\u3063\u305f\u3068\u4e00\u559c\u4e00\u6182\u3057\u305f\u308a\u3001\u30b9\u30b3\u30a2\u3092\u4e0a\u3052\u308b\u305f\u3081\u306b\u7d30\u304b\u3044\u65bd\u7b56\u3092\u7df4\u308b\u3053\u3068\u306f\u3001\u3042\u307e\u308a\u610f\u5473\u304c\u306a\u3044\u5834\u5408\u3082\u591a\u3044\u3067\u3059\u3002\u3042\u304f\u307e\u3067\u3001\u9069\u5ea6\u306a\u30ed\u30fc\u30f3\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u6301\u3061\u3001\u8cac\u4efb\u3042\u308b\u501f\u308a\u65b9\u3092\u3057\u3001\u8cac\u4efb\u3042\u308b\u8fd4\u6e08\u3092\u3059\u308b\u3053\u3068\u3001\u305d\u3057\u3066\u3053\u308c\u3092\u7e70\u308a\u8fd4\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u57fa\u672c\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3068\u306f\u3044\u3048\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c\u3069\u3046\u6c7a\u307e\u308b\u304b\u306b\u3064\u3044\u3066\u306e\u5927\u67a0\u3067\u306e\u7406\u89e3\u306f\u610f\u5473\u304c\u3042\u308b\u3068\u601d\u3046\u306e\u3067\u3001\u4ee5\u4e0b\u306b\u307e\u3068\u3081\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<div style=\"height:73px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u6c7a\u3081\u308b\u8981\u7d20\">\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u6c7a\u3081\u308b\u8981\u7d20<\/h2>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u6c7a\u3081\u308b\u8981\u7d20\u306b\u306f\u5927\u304d\u304f\uff15\u3064\u3042\u308a\u307e\u3059\u3002\u8981\u7d20\u306f\u3001FICO\u30b9\u30b3\u30a2\u3068VantageScore\u3067\u5fae\u5999\u306b\u9055\u3044\u307e\u3059\u3002\u3053\u3053\u3067\u306fFICO\u30b9\u30b3\u30a2\u306b\u30d5\u30a9\u30fc\u30ab\u30b9\u3057\u3066\u307f\u307e\u3059\u3002\uff15\u3064\u306e\u8981\u7d20\u306f\u3001\u652f\u6255\u3044\u5c65\u6b74\u3001\u501f\u308a\u5165\u308c\u6b8b\u9ad8\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u5c65\u6b74\u3001\u501f\u308a\u5165\u308c\u306e\u7a2e\u985e\u3001\u65b0\u898f\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u3059\u3002\u4e0b\u3067\u3072\u3068\u3064\u305a\u3064\u8aac\u660e\u3057\u3066\u3044\u304d\u307e\u3059\u304c\u3001\u9805\u76ee\u540d\u306e\u3042\u3068\u306b\u3042\u308b\u30ab\u30c3\u30b3\u5185\u306b\u3042\u308b\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3070\u3001\u3067\u306e\u3001\u5168\u4f53\u306b\u304a\u3051\u308b\u8003\u616e\u5272\u5408\u306e\u76ee\u5b89\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:59px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u8981\u7d20\uff11-\u652f\u6255\u3044\u5c65\u6b74-35\">\u8981\u7d20\uff11\uff1a\u652f\u6255\u3044\u5c65\u6b74(35\uff05)<\/h3>\n\n\n\n<p>\u9045\u5ef6\u306a\u304f\u652f\u6255\u3044\u3092\u3057\u3066\u3044\u308b\u304b\u3001\u5ef6\u6ede\u304c\u3042\u308b\u5834\u5408\u306f\u3069\u306e\u304f\u3089\u3044\u306e\u671f\u9593\u306e\u9045\u5ef6\u304b\u3001\u5ef6\u6ede\u306e\u91d1\u984d\u306f\u3044\u304f\u3089\u304b\u306a\u3069\u306e\u6210\u7e3e\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e35\uff05\u3092\u6c7a\u3081\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u9045\u5ef6\u306a\u3044\u652f\u6255\u3044\u306f\u57fa\u672c\u306e\u57fa\u672c\">\u9045\u5ef6\u306a\u3044\u652f\u6255\u3044\u306f\u57fa\u672c\u306e\u57fa\u672c<\/h4>\n\n\n\n<p>\u671f\u9650\u307e\u3067\u306b\u304d\u3061\u3093\u3068\u652f\u6255\u3063\u3066\u3044\u308b\u30a2\u30ab\u30a6\u30f3\u30c8\u304c\u5341\u5206\u306a\u6570\u3042\u308b\u3053\u3068\u306f\u3001\u3088\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u30ad\u30fc\u30d7\u3059\u308b\u305f\u3081\u306e\u57fa\u672c\u3067\u3059\u3002\u3053\u308c\u306f\u300c\u5927\u524d\u63d0\u300d\u3067\u3042\u3063\u3066\u3001\u304d\u3061\u3093\u3068\u652f\u6255\u3044\u3092\u3059\u308b\u304b\u3089\u3068\u3044\u3063\u3066\u73fe\u5728\u306e\u30b9\u30b3\u30a2\u304c\u5287\u7684\u306b\u4e0a\u304c\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u304d\u3061\u3093\u3068\u652f\u6255\u308f\u306a\u3051\u308c\u3070\u305d\u3082\u305d\u3082\u3088\u3044\u30b9\u30b3\u30a2\u306f\u671b\u3081\u306a\u3044\u3068\u3044\u3046\u4f4d\u7f6e\u3065\u3051\u306e\u3082\u306e\u3067\u3059\u3002\u826f\u3044\u652f\u6255\u3044\u5c65\u6b74\u306f\u826f\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\u305f\u3081\u306e\u5fc5\u8981\u6761\u4ef6\u3067\u3059\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" 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id=\"h-\u3088\u3044-\u4f1a\u793e\u304b\u3089\u501f\u91d1\u3092\u3059\u308b\">\u300c\u3088\u3044\u300d\u4f1a\u793e\u304b\u3089\u501f\u91d1\u3092\u3059\u308b<\/h4>\n\n\n\n<p>\u501f\u91d1\u306e\u7a2e\u985e\u3060\u3051\u3067\u306a\u304f\u3001\u3069\u3093\u306a\u4f1a\u793e\u304b\u3089\u501f\u91d1\u3092\u3057\u3066\u3044\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u3082\u8003\u616e\u3055\u308c\u307e\u3059\u3002\u512a\u79c0\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u6301\u3063\u3066\u3044\u308b\u4eba\u306f\u3001\u901a\u5e38\u3088\u3044\u6761\u4ef6\u306e\u30ed\u30fc\u30f3\u3084\u30ab\u30fc\u30c9\u3092\u5f97\u308b\u8cc7\u683c\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u81ea\u305a\u3068\u300c\u3088\u3044\u300d\u4f1a\u793e\u306e\u300c\u3088\u3044\u300d\u30d7\u30ed\u30b0\u30e9\u30e0\u304b\u3089\u501f\u308a\u5165\u308c\u3092\u3057\u307e\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u304c\u60aa\u3044\u4eba\u306f\u3001\u305d\u306e\u3088\u3046\u306a\u300c\u3088\u3044\u300d\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u4f7f\u3046\u8cc7\u683c\u304c\u4e0e\u3048\u3089\u308c\u306a\u3044\u306e\u3067\u3001\u81ea\u305a\u3068\u3042\u307e\u308a\u300c\u3088\u304f\u306a\u3044\u300d\u4f1a\u793e\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u4f7f\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u3046\u3044\u3046\u308f\u3051\u3067\u3001\u305d\u306e\u4eba\u306e\u9078\u629e\u3057\u305f\u4f1a\u793e\u3084\u30d7\u30ed\u30b0\u30e9\u30e0\u3082\u3001\u305d\u306e\u4eba\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u6210\u7e3e\u3092\u7269\u8a9e\u308b\u308f\u3051\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u9280\u884c\u306e\u767a\u884c\u3059\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30ed\u30fc\u30f3\u3001\u8eca\u3092\u8cb7\u3046\u5834\u5408\u306a\u3089\u30e1\u30fc\u30ab\u30fc\u304b\u3089\u306e\u30aa\u30fc\u30c8\u30ed\u30fc\u30f3\u306a\u3069\u306f\u300c\u3088\u3044\u300d\u4f1a\u793e\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3068\u5224\u65ad\u3055\u308c\u308b\u3088\u3046\u3067\u3059\u3002\u3053\u308c\u306b\u5bfe\u3057\u3001\u30c7\u30a3\u30fc\u30e9\u30fc\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30f3\u30b0\u3084\u30b9\u30c8\u30a2\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30f3\u30b0\uff08\u5bb6\u96fb\u5e97\u3084\u5bb6\u5177\u5e97\u306a\u3069\u306e\uff09\u306f\u3001\u305d\u308c\u306b\u52a3\u308b\u3082\u306e\u3068\u5224\u65ad\u3055\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3068\u3048\u3070\u3001\u201d6 month interest free\u201d\u3068\u304b\u3001\u201cno payments for 12 months\u201d\u306a\u3069\u3068\u3044\u3046\u3088\u3046\u306a\u30ad\u30e3\u30c3\u30c1\u3067\u5e97\u982d\u3067\u5ba3\u4f1d\u3057\u3066\u3044\u308b\u30ed\u30fc\u30f3\u3092\u898b\u304b\u3051\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u306d\u3002\u30c7\u30a3\u30fc\u30e9\u30fc\u3084\u30b9\u30c8\u30a2\u306e\u767a\u884c\u3059\u308b\u30ed\u30fc\u30f3\u3067\u3059\u3002\u3053\u308c\u3089\u306f\u3001\u9280\u884c\u3084\u8eca\u30e1\u30fc\u30ab\u30fc\u304c\u76f4\u63a5\u767a\u884c\u3059\u308b\u30ed\u30fc\u30f3\u306b\u6bd4\u3079\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u304c\u3042\u308b\u7a0b\u5ea6\u60aa\u304f\u3066\u3082\u7d44\u3081\u308b\u3082\u306e\u3082\u591a\u3044\u3067\u3059\u3002\u305d\u306e\u3046\u3048\u3001\u5229\u5b50\u3084\u624b\u6570\u6599\u3082\u9ad8\u304f\u6761\u4ef6\u306e\u60aa\u3044\u3082\u306e\u3067\u3042\u308b\u3053\u3068\u304c\u3057\u3070\u3057\u3070\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u300c\u3042\u307e\u308a\u3088\u304f\u306a\u3044\u300d\u4f1a\u793e\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u9078\u3076\u3068\u3001\u300c\u3088\u3044\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u304b\u3089\u9078\u629e\u3057\u305f\u300d\u3001\u3042\u308b\u3044\u306f\u300c\uff08\u305f\u3068\u3048\u300c\u3088\u3044\u300d\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u305f\u3068\u3057\u3066\u3082\uff09\u501f\u308a\u5165\u308c\u306b\u5bfe\u3057\u3066\u8ce2\u304f\u306a\u3044\u9078\u629e\u3092\u3057\u305f\u300d\u3068\u5224\u65ad\u3055\u308c\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306b\u306f\u60aa\u5f71\u97ff\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:53px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u8981\u7d20\uff15-\u65b0\u898f\u306e\u30af\u30ec\u30b8\u30c3\u30c8-\u30a2\u30ab\u30a6\u30f3\u30c8-10\">\u8981\u7d20\uff15\uff1a\u65b0\u898f\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30a2\u30ab\u30a6\u30f3\u30c8\uff0810\uff05\uff09<\/h3>\n\n\n\n<p>\u65b0\u3057\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u958b\u3053\u3046\u3068\u3059\u308b\u3053\u3068\u3001\u307e\u305f\u5b9f\u969b\u958b\u3044\u305f\u3053\u3068\u306e\u60c5\u5831\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\u8a08\u7b97\u306b\u542b\u307e\u308c\u300110\uff05\u3092\u6c7a\u3081\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u4e0d\u8981\u306a\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3092\u8a31\u3055\u306a\u3044\">&nbsp;\u4e0d\u8981\u306a\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3092\u8a31\u3055\u306a\u3044<\/h4>\n\n\n\n<p>\u65b0\u3057\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u30ed\u30fc\u30f3\u3092\u7533\u3057\u8fbc\u3080\u3068\u3001\u7533\u3057\u8fbc\u307f\u3092\u53d7\u3051\u305f\u4f1a\u793e\u306f\u3001\u3042\u306a\u305f\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u6210\u7e3e\u3092\u78ba\u8a8d\u3059\u308b\u305f\u3081\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ec\u30dd\u30fc\u30c8\u4f1a\u793e\u306b\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3092\u3057\u307e\u3059\u3002\u3053\u306e\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u3001\u4e00\u56de\u3067\u6570\u30dd\u30a4\u30f3\u30c8\u304b\u3089\u6570\u5341\u30dd\u30a4\u30f3\u30c8\u5206\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u4e0b\u3052\u307e\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u304c\u9577\u3044\u4eba\u3088\u308a\u77ed\u3044\u4eba\u304c\u3001\u307e\u305f\u652f\u6255\u3044\u6210\u7e3e\u306e\u3088\u3044\u4eba\u3088\u308a\u305d\u3046\u3067\u306a\u3044\u4eba\u306e\u307b\u3046\u304c\u3001\u3088\u308a\u5927\u304d\u306a\u30dd\u30a4\u30f3\u30c8\u4f4e\u4e0b\u3092\u898b\u308b\u305d\u3046\u3067\u3059\u3002\u3055\u3089\u306b\u3044\u304f\u3064\u3082\u91cd\u306a\u3063\u3066\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u304c\u3055\u308c\u308b\u3068\u3001\u4e8c\u56de\u76ee\u306f\u4e00\u56de\u76ee\u3088\u308a\u3082\u30b7\u30d3\u30a2\u306b\u3001\u4e09\u56de\u76ee\u306f\u4e8c\u56de\u76ee\u3088\u308a\u3082\u30b7\u30d3\u30a2\u306b\u30b9\u30b3\u30a2\u304c\u4e0b\u304c\u308b\u3068\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u77ed\u671f\u9593\u306e\u9593\u306b\u8907\u6570\u306e\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u304c\u3042\u308b\u3053\u3068\u306f\u3001\u652f\u6255\u3044\u56f0\u96e3\u8005\u306e\u78ba\u7387\u304c\u9ad8\u3044\uff08\u501f\u91d1\u306e\u652f\u6255\u3044\u3092\u56de\u3057\u7d9a\u3051\u308b\u305f\u3081\u3001\u65b0\u3057\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u958b\u304d\u7d9a\u3051\u308b\u5fc5\u8981\u304c\u3042\u308b\uff09\u3068\u306e\u3053\u3068\u304b\u3089\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3092\u5927\u304d\u304f\u5f15\u304d\u4e0b\u3052\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u30bd\u30d5\u30c8\u3068\u30cf\u30fc\u30c9\u306e\u5dee\u3092\u77e5\u308b\">\u30bd\u30d5\u30c8\u3068\u30cf\u30fc\u30c9\u306e\u5dee\u3092\u77e5\u308b<\/h4>\n\n\n\n<p>\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306b\u306f\u30bd\u30d5\u30c8\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\uff08soft pull\u3068\u3082\u547c\u3070\u308c\u308b\uff09\u3068\u30cf\u30fc\u30c9\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea( hard pull\u3068\u3082\u547c\u3070\u308c\u308b)\u304c\u3042\u308a\u307e\u3059\u3002\u30bd\u30d5\u30c8\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306b\u306f\u5f71\u97ff\u304c\u306a\u3044\u306e\u3067\u3001\u5fc3\u914d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u30bd\u30d5\u30c8\u30a4\u30af\u30ef\u30a4\u30a2\u30ea\u306e\u4f8b\u306f\uff1a<\/p>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u3084\u30ed\u30fc\u30f3\u3078\u306epre-qualification\u306e\u305f\u3081\u306e\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea<\/p>\n\n\n\n<p>\u5bb6\u3084\u30a2\u30d1\u30fc\u30c8\u3092\u501f\u308a\u308b\u5834\u5408\u306e\u5927\u5bb6\u3055\u3093\u306b\u3088\u308b\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea<\/p>\n\n\n\n<p>\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u308b\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea<\/p>\n\n\n\n<p>\u96c7\u7528\u4e3b\u306b\u3088\u308b\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea<\/p>\n\n\n\n<p>\u501f\u91d1\u56de\u53ce\u306e\u305f\u3081\u306e\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea<\/p>\n\n\n\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30e2\u30cb\u30bf\u30fc\u30fb\u30b5\u30fc\u30d3\u30b9\u306b\u3088\u308b\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3084\u81ea\u5206\u3067\u3059\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30ec\u30dd\u30fc\u30c8\u30c1\u30a7\u30c3\u30af<\/p>\n\n\n\n<p>\u4f55\u304b\u304a\u91d1\u3084\u4fe1\u7528\u306b\u95a2\u3059\u308b\u3053\u3068\u3067\u30a2\u30af\u30b7\u30e7\u30f3\u3092\u3068\u308b\u5834\u5408\u3001\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3092\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u601d\u3063\u305f\u3089\u3001\u201dAre you going to perform a soft pull or a hard pull?\u201d\u3068\u78ba\u8a8d\u3057\u3066\u307f\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u201dhard\u201d\u3068\u3044\u3046\u7b54\u3048\u3060\u3063\u305f\u3089\u3001\u3069\u3046\u3057\u3066\u3082\u5fc5\u8981\u51fa\u306a\u3044\u9650\u308a\u3084\u3081\u3066\u3082\u3089\u3046\u304b\u3001\u7d76\u5bfe\u5fc5\u8981\u306b\u306a\u308b\u307e\u3067\uff08\u305f\u3068\u3048\u3070\u3001\u30ed\u30fc\u30f3\u306a\u3069\u3092\u5fc5\u305a\u7d44\u3080\u3068\u6c7a\u3081\u308b\u307e\u3067\uff09\u5f85\u3063\u3066\u3082\u3089\u3046\u307b\u3046\u304c\u3044\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u8a08\u753b\u7684\u306b\u8a31\u3059\">\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u8a08\u753b\u7684\u306b\u8a31\u3059<\/h4>\n\n\n\n<p>\u30bd\u30d5\u30c8\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u3001\u4e0a\u8ff0\u306e\u3088\u3046\u306b\u5fc3\u914d\u3059\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30cf\u30fc\u30c9\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306b\u3064\u3044\u3066\u306f\u3001\u4e0d\u8981\u306a\u3082\u306e\u306f\u6975\u529b\u907f\u3051\u308b\u306e\u304c\u3044\u3044\u3067\u3059\u3002\u3068\u306f\u3044\u3048\u3001\u5fc5\u8981\u306a\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3082\u306e\u3067\u3059\u3002\u5fc5\u8981\u306a\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3092\u8a31\u3059\u5834\u5408\u306f\u3001\u3067\u304d\u308b\u3060\u3051\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306b\u60aa\u5f71\u97ff\u306e\u306a\u3044\u3088\u3046\u306b\u8a08\u753b\u7684\u306b\u8a31\u3059\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u5bb6\u3092\u8cb7\u3046\u306e\u3067\u30e2\u30fc\u30b2\u30fc\u30b8\u306e\u898b\u7a4d\u3082\u308a\u3092\u3068\u308a\u305f\u3044\u3068\u304d\u3001\u8eca\u3092\u8cb7\u3046\u306e\u3067\u30aa\u30fc\u30c8\u30ed\u30fc\u30f3\u3092\u63a2\u3057\u3066\u3044\u308b\u3068\u304d\u3001\u30a4\u30f3\u30af\u30ef\u30a4\u30ea\u3092\u6050\u308c\u3066\u4e00\u793e\u306b\u3057\u304b\u30b3\u30f3\u30bf\u30af\u30c8\u3092\u3057\u306a\u3044\u3068\u3044\u3046\u306e\u306f\u7d76\u5bfe\u3044\u3051\u307e\u305b\u3093\u3002\u6700\u9069\u306a\u30ed\u30fc\u30f3\u3092\u63a2\u3057\u3001\u4e00\u756a\u3088\u3044\u6761\u4ef6\u306e\u30ed\u30fc\u30f3\u3092\u9078\u3076\u3053\u3068\u306f\u3001\u300c\u501f\u308a\u5165\u308c\u306e\u7a2e\u985e\u300d\u306e\u3068\u3053\u308d\u306b\u3082\u66f8\u3044\u305f\u3068\u304a\u308a\u91cd\u8981\u306a\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<p>FICO\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\u8a08\u7b97\u306b\u306f\u300114\u65e5\u9593\u306e\u9593\u306e\u8907\u6570\u306e\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u306f\u3001\u3072\u3068\u3064\u306e\u30a4\u30f3\u30af\u30ef\u30a4\u30a2\u30ea\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u3068\u3044\u3046\u3057\u304f\u307f\u304c\u3042\u308a\u307e\u3059\u3002\u7af6\u5408\u898b\u7a4d\u3082\u308a\u3092\u53d6\u308b\u5834\u5408\u306f\u300114\u65e5\u4ee5\u5185\u306b\u307e\u3068\u3081\u3066\u884c\u3046\u306e\u304c\u8ce2\u3044\u3084\u308a\u304b\u305f\u3067\u3059\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\u672c\u5f53\u306b\u5fc5\u8981\u306a\u30a2\u30ab\u30a6\u30f3\u30c8\u3060\u3051\u3092\u958b\u304f\">\u672c\u5f53\u306b\u5fc5\u8981\u306a\u30a2\u30ab\u30a6\u30f3\u30c8\u3060\u3051\u3092\u958b\u304f<\/h4>\n\n\n\n<p>\u73fe\u5728\u6301\u3063\u3066\u3044\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30ed\u30fc\u30f3\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u6570\u306b\u6bd4\u3057\u3066\u3001\u65b0\u3057\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u5272\u5408\u304c\u9ad8\u304f\u306a\u308b\u307b\u3069\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306f\u4e0b\u304c\u308a\u307e\u3059\u3002\u8907\u6570\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u6301\u3063\u3066\u3044\u3066\u3001\u305d\u306e\u3069\u308c\u3082\u304c\u4f55\u5e74\u3082\u305f\u3063\u305f\u53e4\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u3067\u3042\u308b\u3053\u3068\u304c\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u4e0a\u306f\u6709\u5229\u3067\u3059\u3002\u8981\u308a\u3082\u3057\u306a\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u5b89\u6613\u306b\u3064\u304f\u308b\u3068\u3001\u65e5\u306e\u6d45\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u304c\u3072\u3068\u3064\u5897\u3048\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304b\u3089\u3001\u305d\u306e\u5206\u3060\u3051\u30b9\u30b3\u30a2\u304c\u4e0b\u304c\u308a\u307e\u3059\u3002\u3053\u306e\u5f71\u97ff\u306f\u3001\u305f\u304f\u3055\u3093\u53e4\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u6301\u3063\u3066\u3044\u308b\u4eba\u3088\u308a\u5168\u4f53\u7684\u306b\u65e5\u306e\u6d45\u3044\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u591a\u3044\u4eba\u306b\u5bfe\u3059\u308b\u307b\u3046\u304c\u30b7\u30d3\u30a2\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u30a2\u30ab\u30a6\u30f3\u30c8\u306f\u958b\u304b\u306d\u3070\u5c65\u6b74\u3082\u3067\u304d\u306a\u3044\u3057\u30af\u30ec\u30b8\u30c3\u30c8\u9650\u5ea6\u984d\u3082\u5897\u3048\u307e\u305b\u3093\u304b\u3089\u3001\u5fc5\u8981\u306a\u30a2\u30ab\u30a6\u30f3\u30c8\u306f\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u898b\u8a08\u3089\u3063\u305f\u4e0a\u3067\u6050\u308c\u305a\u958b\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:65px\" aria-hidden=\"true\" 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