{"id":12438,"date":"2016-10-04T11:49:17","date_gmt":"2016-10-04T15:49:17","guid":{"rendered":"https:\/\/www.wes.org\/?post_type=advisor_blog&#038;p=12438"},"modified":"2024-05-14T15:48:58","modified_gmt":"2024-05-14T19:48:58","slug":"building-your-credit-2","status":"publish","type":"post","link":"https:\/\/www.wes.org\/zh-hans\/resource-library\/blog\/education-zh-hans\/building-your-credit-2\/","title":{"rendered":"\u56fd\u9645\u751f\u5982\u4f55\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55"},"content":{"rendered":"<p>\u5982\u679c\u4f60\u521d\u6765\u4e4d\u5230\u7f8e\u56fd\uff0c\u4f60\u4e5f\u8bb8\u542c\u8bf4\u8fc7\u201c\u4fe1\u7528\u8bc4\u5206\u201d(credit score)\u3002\u4fe1\u7528\u8bc4\u5206\u662f\u57fa\u4e8e\u4f60\u8fc7\u53bb\u5bf9\u652f\u4ed8\u4fe1\u7528\u5361\u7684\u8d1f\u8d23\u7a0b\u5ea6\uff0c\u5e76\u7528\u6765\u8bc4\u5b9a\u4f60\u662f\u5426\u4e3a\u53ef\u9760\u501f\u6b3e\u4eba\u3002<\/p>\n<p>\u7f8e\u56fd\u6709\u5b8c\u5584\u7684\u4fe1\u7528\u4f53\u7cfb\uff0c\u6ca1\u6709\u4fe1\u7528\u8bc4\u5206\uff0c\u5728\u7f8e\u56fd\u8fdb\u884c\u5927\u5b97\u8d2d\u4e70\u975e\u5e38\u56f0\u96be\uff0c\u5305\u62ec\u79df\u8d41\u6216\u8d2d\u4e70\u6c7d\u8f66\uff0c\u79df\u8d41\u516c\u5bd3\u6216\u8d37\u6b3e\u4e1a\u52a1\u3002\u5982\u679c\u4f60\u8ba1\u5212\u5728\u5b66\u4e1a\u540e\u7559\u5728\u7f8e\u56fd\uff0c\u62e5\u6709\u826f\u597d\u7684\u4fe1\u7528\u662f\u7279\u522b\u91cd\u8981\u7684\uff0c\u6240\u4ee5\u4f60\u9700\u8981\u5c3d\u5feb\u4e3a\u81ea\u5df1\u5efa\u7acb\u4e00\u4e2a\u826f\u597d\u7684\u4fe1\u7528\u5206\u6570\u3002<\/p>\n<p>\u90a3\u4e48\uff0c\u5982\u4f55\u5efa\u7acb\u4e00\u4e2a\u56fd\u9645\u5b66\u751f\u7684\u4fe1\u7528\uff1f\u4fe1\u7528\u5361\u662f\u5feb\u901f\u5efa\u7acb\u4fe1\u7528\u7684\u597d\u65b9\u6cd5\uff0c\u8fd9\u91cc\u6709\u4e00\u4e9b\u83b7\u53d6\u548c\u4f7f\u7528\u4fe1\u7528\u5361\u7684\u63d0\u793a\uff1a<\/p>\n<h4><strong>\u00a0\u7533\u8bf7\u56fd\u9645\u5b66\u751f\u5361<\/strong><\/h4>\n<p>\u83b7\u5f97\u4fe1\u7528\u5361\u6700\u7b80\u5355\u7684\u65b9\u6cd5\u662f\u7533\u8bf7\u4e13\u95e8\u4e3a\u56fd\u9645\u5b66\u751f\u51c6\u5907\u7684\u4fe1\u7528\u5361\u3002\u00a0<a href=\"https:\/\/www.selfscore.com\/mastercard\/#pg-13280-0\" target=\"_blank\" rel=\"noopener\"><u>SelfScore<\/u><\/a>\u662f\u4e00\u79cd\u4e0d\u9700\u8981\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff0c\u4f7f\u7528\u4f4e\u5229\u7387\uff0c\u4e0d\u6536\u53d6\u5e74\u8d39\u7684\u4fe1\u7528\u5361\u3002\u8981\u5feb\u901f\u5f00\u59cb\u5efa\u7acb\u4f60\u7684\u4fe1\u7528\u8bc4\u5206\uff0cSelfScore\u53ef\u80fd\u662f\u4f60\u9700\u8981\u7684\u89e3\u51b3\u65b9\u6848\u3002<\/p>\n<h4><strong>\u83b7\u53d6\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff08SocialSecurity Number\/SSN\uff09<b>\/<\/b>\u7eb3\u7a0e\u4ebaID<\/strong><\/h4>\n<p>\u8981\u5728\u7f8e\u56fd\u7533\u8bf7\u5927\u591a\u6570\u4fe1\u7528\u5361\uff0c\u9700\u8981\u4e00\u4e2a\u7f8e\u56fd\u793e\u4f1a\u5b89\u5168\u53f7\u7801\u6216\u4e2a\u4eba\u7eb3\u7a0e\u4eba\u8bc6\u522b\u7801\uff08ITIN\uff09\uff0c\u8be5\u53f7\u7801\u53ef\u4f5c\u4e3a\u4f60\u7684\u8d22\u52a1\u5386\u53f2\u201c\u6570\u636e\u5e93&#8221;\u3002<a href=\"https:\/\/secure.ssa.gov\/ICON\/main.jsp\" target=\"_blank\" rel=\"noopener\"><u>\u7533\u8bf7\u7f8e\u56fd\u793e\u4f1a\u5b89\u5168\u53f7\u7801<\/u><\/a>\u53ef\u80fd\u662f\u4e00\u4e2a\u6f2b\u957f\u7684\u8fc7\u7a0b\uff0c\u6700\u597d\u5c3d\u65e9\u5f00\u59cb\u3002\u5982\u679c\u4f60\u4e0d\u7b26\u5408\u4f7f\u7528\u793e\u4f1a\u5b89\u5168\u53f7\u7801\u7684\u8d44\u683c\uff0c\u53ef\u4ee5<u><a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/fw7.pdf\" target=\"_blank\" rel=\"noopener\">\u7533\u8bf7ITIN\u53f7\u7801<\/a><\/u>\u3002\u9700\u8981\u63d0\u4f9b\u4e00\u5f20\u8eab\u4efd\u8bc1\u660e\uff08\u4f8b\u5982\u62a4\u7167\uff09\u548c\u5916\u56fd\u8eab\u4efd\u8bc1\u660e\uff08\u7b7e\u8bc1\uff09\u3002<\/p>\n<h4><strong>\u4e0e\u4f60\u7684\u5927\u5b66\u6838\u5b9e<\/strong><\/h4>\n<p>\u4f60\u7684\u5927\u5b66\u53ef\u80fd\u80fd\u591f\u5e2e\u52a9\u4f60\u83b7\u5f97\u4fe1\u7528\u5361\u3002\u4ed6\u4eec\u53ef\u4ee5\u6307\u5bfc\u4f60\u662f\u5426\u7533\u8bf7\u793e\u4f1a\u5b89\u5168\u53f7\u7801\u6216ITIN\u53f7\u7801\u3002\u8bb8\u591a\u5927\u5b66\u6709\u4e0e\u94f6\u884c\u7684\u7279\u6b8a\u534f\u8bae\uff0c\u4f7f\u56fd\u9645\u5b66\u751f\u66f4\u5bb9\u6613\u83b7\u5f97\u4fe1\u7528\u5361\u3002\u5728\u4f60\u9700\u8981\u5e2e\u52a9\u6765\u51b3\u5b9a\u4e0b\u4e00\u6b65\u5e76\u5efa\u8bbe\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\u65f6\uff0c\u4f60\u7684\u5927\u5b66\u4f5c\u4e3a\u4f60\u8eab\u8fb9\u53ef\u9760\u7684\u8d44\u6e90\uff0c\u4f7f\u7528\u5b83\u3002<\/p>\n<h4><strong>\u8d1f\u8d23\u5730\u4f7f\u7528\u4fe1\u7528\u5361<\/strong><\/h4>\n<p>\u4fe1\u8d37\u7cfb\u7edf\u9700\u8981\u65f6\u95f4\u6765\u9002\u5e94\uff0c\u7279\u522b\u662f\u5bf9\u6765\u81ea\u4e3b\u6d41\u4f7f\u7528\u73b0\u91d1\u7684\u56fd\u5bb6\u7684\u56fd\u9645\u5b66\u751f\u3002\u4e0d\u8981\u5bb3\u6015\u4f7f\u7528\u4f60\u7684\u4fe1\u7528\u5361\u3002\u540c\u65f6\uff0c\u4e3a\u81ea\u5df1\u5728<a href=\"https:\/\/www.selfscore.com\/resources\/financial-advice\/the-truth-about-the-20-rule\/\" target=\"_blank\" rel=\"noopener\"><u>\u4fe1\u7528\u5361<\/u><\/a>\u4e0a\u652f\u51fa\u7684\u91d1\u989d\u8bbe\u7f6e\u6bcf\u6708\u9650\u5236\u907f\u514d\u8d85\u652f\u3002\u5173\u4e8e\u5982\u4f55\u660e\u667a\u5730\u4f7f\u7528\u4fe1\u7528\u5361\uff0cSelfscore\u6709\u4e00\u4e9b\u4e0d\u9519\u7684<a href=\"https:\/\/www.selfscore.com\/resources\/financial-advice\/\" target=\"_blank\" rel=\"noopener\"><u>\u8d44\u6e90<\/u><\/a>\u3002<\/p>\n<h4><strong>\u6bcf\u6b21\u6309\u65f6\u4ed8\u6b3e<\/strong><\/h4>\n<p>\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u5206\u6570\u6700\u91cd\u8981\u662f\u59cb\u7ec8\u6309\u65f6\u4ed8\u6b3e\u3002\u8fd9\u4e5f\u610f\u5473\u7740\u4f60\u4e0d\u4f1a\u88ab\u989d\u5916\u7684\u4ed8\u6b3e\u8d39\u7528\u62d6\u7d2f\uff01<\/p>\n<h4><strong>\u68c0\u67e5\u4f60\u7684\u4fe1\u7528\u8bc4\u5206<\/strong><\/h4>\n<p>\u4e00\u65e6\u4f60\u5df2\u7ecf\u5efa\u7acb\u4e86\u4fe1\u7528\uff0c\u786e\u4fdd\u68c0\u67e5\u4f60\u7684\u5206\u6570\u3002\u5982\u679c\u4f60\u5373\u5c06\u7b7e\u8ba2\u9700\u8981\u4fe1\u7528\u68c0\u67e5\u7684\u534f\u8bae\uff0c\u8fd9\u4e00\u70b9\u5c24\u5176\u91cd\u8981\u3002\u4f60\u5e94\u8be5\u6bcf\u5e74\u68c0\u67e5\u4e00\u6b21\u4f60\u7684\u4fe1\u7528\u5206\u6570\u3002<a href=\"https:\/\/www.myfico.com\/\" target=\"_blank\" rel=\"noopener\"><u>FICO<\/u><\/a>\u662f\u4e00\u4e2a\u7528\u6765\u68c0\u67e5\u4fe1\u7528\u5206\u6570\u7684\u5e38\u7528\u8d44\u6e90\uff0c\u4e5f\u6709<a href=\"https:\/\/www.forbes.com\/sites\/laurengensler\/2015\/05\/13\/free-credit-score\/2\/#4de3b4b6df47\" target=\"_blank\" rel=\"noopener\"><u>\u5f88\u591a<\/u><u>\u5176\u4ed6\u514d\u8d39\u9009\u9879<\/u><\/a>\u53ef\u7528\u4e8e\u68c0\u67e5\u4f60\u7684\u5206\u6570\u3002<\/p>\n<p>\u6709\u5173\u5efa\u7acb\u4fe1\u7528\u548c\u83b7\u53d6\u4fe1\u7528\u5361\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8bf7<a href=\"https:\/\/www.nerdwallet.com\/blog\/credit-cards\/how-to-get-a-credit-card-for-international-students-and-immigrant-workers\/\" target=\"_blank\" rel=\"noopener\"><u>\u9605\u8bfb\u672c\u6587<\/u><\/a>\u3002<\/p>\n<p>\u4f60\u6709\u5728\u7f8e\u56fd\u5efa\u7acb\u56fd\u9645\u5b66\u751f\u4fe1\u7528\u7684\u7b2c\u4e00\u624b\u7ecf\u9a8c\u5417\uff1f\u8bf7\u5728\u4e0b\u9762\u7684\u8bc4\u8bba\u4e2d\u4e0e\u6211\u4eec\u5206\u4eab\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5982\u679c\u4f60\u521d\u6765\u4e4d\u5230\u7f8e\u56fd\uff0c\u4f60\u4e5f\u8bb8\u542c\u8bf4\u8fc7\u201c\u4fe1\u7528\u8bc4\u5206\u201d(credit score)\u3002\u4fe1\u7528\u8bc4\u5206\u662f\u57fa\u4e8e\u4f60\u8fc7\u53bb\u5bf9\u652f\u4ed8\u4fe1\u7528\u5361\u7684\u8d1f [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":4397,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1407,726],"tags":[737,740],"class_list":["post-12438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisor-blog-zh-hans","category-education-zh-hans","tag-international-students-zh-hans","tag-student-life-zh-hans"],"better_featured_image":{"id":4397,"alt_text":"An international student checking her credit score online","caption":"","description":"","media_type":"image","media_details":{"width":635,"height":423,"file":"2017\/04\/blog_20161004_shutterstock_110913581.jpg","sizes":{"medium":{"file":"blog_20161004_shutterstock_110913581-300x200.jpg","width":300,"height":200,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-300x200.jpg"},"thumbnail":{"file":"blog_20161004_shutterstock_110913581-150x150.jpg","width":150,"height":150,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-150x150.jpg"},"testimonial-thumb":{"file":"blog_20161004_shutterstock_110913581-90x90.jpg","width":90,"height":90,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-90x90.jpg"},"carousel-post-thumb":{"file":"blog_20161004_shutterstock_110913581-540x277.jpg","width":540,"height":277,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-540x277.jpg"},"team":{"file":"blog_20161004_shutterstock_110913581-185x185.jpg","width":185,"height":185,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-185x185.jpg"},"people":{"file":"blog_20161004_shutterstock_110913581-394x276.jpg","width":394,"height":276,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-394x276.jpg"},"insight":{"file":"blog_20161004_shutterstock_110913581-541x362.jpg","width":541,"height":362,"mime-type":"image\/jpeg","source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581-541x362.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1","keywords":[]}},"post":2827,"source_url":"https:\/\/www.wes.org\/wp-content\/uploads\/2017\/04\/blog_20161004_shutterstock_110913581.jpg"},"acf":{"author_name":"Kaitlin Ramby"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u56fd\u9645\u751f\u5982\u4f55\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55 - WES<\/title>\n<meta name=\"description\" content=\"\u8eab\u4e3a\u7559\u5b66\u751f\uff0c\u5982\u4f55\u5728\u7f8e\u56fd\u5efa\u7acb\u81ea\u5df1\u7684\u4fe1\u7528\u8bb0\u5f55\u5462\uff1f\u7533\u8bf7\u4fe1\u7528\u5361\u662f\u4e00\u4e2a\u5f88\u597d\u7684\u5f00\u59cb\u3002\u4e86\u89e3\u5982\u4f55\u5f00\u59cb\u79ef\u7d2f\u548c\u4f7f\u7528\u4f60\u7684\u4fe1\u7528\u5361\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wes.org\/zh-hans\/resource-library\/blog\/education-zh-hans\/building-your-credit-2\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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