Safari Man – 洋楽歌詞の和訳で英語を勉強しTOEIC900を目指す

備忘録/洋楽歌詞で英語を勉強する方法を紹介/日記/北米アメリカ・ニューヨーク駐在/商社勤務/1990s/既婚 | 彼の英文は、それまで見てきたどの英作文よりも飛び抜けて英語らしく、私はてっきり彼が英語圏で教育を受けたものと思い、「どこに何年住んでいたの」と聞きました。ところが、それに対して彼は、「いいえ。海外に住んだことはありません」と答えたのです。よく話を聞いてみると、彼は中学に入ったころから大の洋楽ファンとなり、歌詞を懸命に覚えただけでなく、添えられている和訳を読むだけでは満足できずに、辞書などを調べ

クレジットスコアはCredit KarmaかCredit Sesameというウェブサイトでチェックできる

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メモ:クレジットスコアの計算式は以下で、ウェブサイトでチェックできる...ANA CARD USAもFICOスコアが見れるようです。

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FIOSのスコア詳細は以下:

How are my FICO® Scores calculated?

FICO® Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).

How a FICO® Score breaks down

 

Payment history (35%)

The first thing any lender wants to know is whether you've paid past credit accounts on time. This helps a lender figure out the amount of risk it will take on when extending credit. This is one of the most important factors in a FICO® Score.

Be sure to keep your accounts in good standing to build a healthy history.

Amounts owed (30%)

Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO® Score. However, if you are using a lot of your available credit, this may indicate that you are overextended-and banks can interpret this to mean that you are at a higher risk of defaulting.

Length of credit history (15%)

In general, a longer credit history will increase your FICO® Scores. However, even people who haven't been using credit long may have high FICO Scores, depending on how the rest of their credit report looks.

Your FICO® Scores take into account:

  • how long your credit accounts have been established, including the age of your oldest account, the age of your newest account and an average age of all your accounts

  • how long specific credit accounts have been established

  • how long it has been since you used certain accounts

  • Learn more about length of credit history

Credit mix (10%)

FICO® Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. Don't worry, it's not necessary to have one of each.

New credit (10%)

Research shows that opening several credit accounts in a short period of time represents a greater risk-especially for people who don't have a long credit history. If you can avoid it, try not to open too many accounts too rapidly.