Sushi Money 寿司的钱

     As the “credit crunch” continues, and lenders re-evaluate just how they will lend money, and to whom… I’ve realized that my mailbox has received a temporary reprieve.  In what way?  Well those dozens of credit card offers I normally receive have miraculously stopped!  We normally get so much junk mail that I haven’t really looked at what was coming in until recently.   The end of the year fills the mailbox with requests for charitable donations and other needs, but as I was looking at my desktop pile of junk, I realized I haven’t seen a new credit card offer in at least 2-3 weeks!  Wow! â â â â作为“信贷紧缩”继续下去，和放款人重新评估只是它们将如何借钱，以及向谁… …我已经意识到我的信箱收到了一个临时reprieve.â以何种方式？ â以及那些几十个信用卡提供我通常会收到已奇迹般地停止！ â我们通常会得到这么多的垃圾邮件，我没有真的看过什么是未来在recently.â â ，直到今年年底填满邮箱的要求和慈善捐款其他方面的需要，但正如我期待在我的桌面一堆垃圾，我意识到我还没有看到一个新的信用卡提供的至少2-3周！ â哇！

    I certainly don’t miss the credit card offers… and maybe the lenders are even going to save quite a bit of money from slowing the incessant flow of offers to consumers.  I’m sure they’ll resume at some point, but for now it’s nice to have a few less envelopes in the mailbox.   Why have the offers slowed?  Can’t be sure, but I suspect it has to do with the lenders re-evaluating business practices, and how they target and evaluate credit risk.   It’s not only the lenders re-evaluating credit risk these days.  Fair Isaac Corporation is introducing a new FICO scoring model to more accurately evaluate consumers’ risk profiles.  The Wall Street Journal Online published a review of this process in Default Lines: The New Math of Credit Scores . â â â当然，我千万不要错过信用卡优惠…也许放款人甚至为了节省相当多的钱，减缓不断的流动提供consumers.â我敢肯定，他们将恢复在某个点，但现在很高兴有几个lessâ信封，在mailbox.â â为什么会有优惠放慢？ â不能肯定，但我怀疑它必须做的与放款重新评估商业惯例，和如何他们的目标和评估信用risk.â â它不仅放款人重新评估信贷风险，这些days.â公平艾萨克公司是引入一套新的菲佐评分模型更准确地evaluateâ消费者的风险profiles.â华尔街日报网上发表了一份检讨，这个过程在默认线：新数学的信用分数 。

  “ The rollout of the new credit-scoring system comes at a time when lenders say they are eager for more-accurate measures of credit risk, in part because of rising loan defaults as subprime mortgages go bad and housing prices fall. â “ 推出新的信贷评分系统在的时候，放款人说，他们渴望更准确地计量的信贷风险，部分原因是上升的坏帐，作为次级抵押贷款去坏的房屋价格回落。 And there are signs that delinquencies are creeping into other types of consumer debt, including auto loans, further prompting lenders to tighten up on credit.” 并有迹象表明，拖欠是爬行到其他类型的消费者债务，包括汽车贷款，进一步促使放款，以加强对信贷“ 。

   I was reading a comment (somewhere?) about financial companies such as Washington Mutual who are struggling with consumer defaults and bad loans, and it was described how their business practices may have attracted greater risk by targeting a greater share of the market through consumers that were not “served” by other institutions… implying that these consumers were a poor credit risk in the first place, and now are defaulting on loans.  Lots of parallels throughout society there, and I suspect credit card offers via mail may generate the same risk if not carefully screened and evaluated. â â i wasâ读评论（某处？ ） â关于财务公司等在华盛顿相互谁是挣扎与消费者拖欠和不良贷款，这是如何形容他们的经营手法，可能已引起更大的风险byâ的定位目标是一个更大的市场份额throughâ消费者被认为是不“服务”其他机构…暗示，这些消费者被一个贫穷的信用风险摆在首位，而现在是拖欠loans.â â很多相似之处整个社会的存在，我怀疑信用卡提供通过邮件可能会产生同样的风险，如果不仔细筛选和评估。
   â â â

It will be interesting to see how the new FICO process really works out for consumers.  Of course as the article cites, a new FICO scoring process is not going to change our overall credit history… the “record” of our use of credit.它将会有趣地看到，如何在新菲佐过程真的工程为consumers.â当然，作为第濒危物种贸易公约，一个新的菲佐得分的过程中是不会改变我们的整体的信用记录… “纪录”我们使用信贷。 It’s just going to evaluate that history in a new way.  And it’s not going to make sure our credit history is accurate either… I don’t like surprises when I decide to apply for a loan, or to find out I’m the victim of identity theft because some schmuck has been using my credit history illegally!   So for peace of mind and financial well-being, I think it’s important that we take responsibility for our own credit history by conducting an annual review.它的正义去评价历史，在一个新的way.â和它的不打算，以确保我们的信用记录是准确的要么… â我不喜欢惊喜，当我决定申请贷款，或找到出我是受害者，身份盗窃，因为有些schmuck一直在使用我的信用记录，非法！ â â â ，使和平的胸襟和金融福祉，我认为it'sâ重要的是，我们承担责任， ourâ自己的信用历史进行年度检讨。

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