How to handle banking and telecom in English abroad?

Of course. Your current credit score is six-fifty, which is considered "fair." Scores range from three hundred to eight-fifty. Above seven hundred is considered "good," and above seven-forty is "excellent."

当然。您目前的信用评分是650，属于"一般"。评分范围是300到850。700以上是"良好"，740以上是"优秀"。

The biggest factor is payment history — that's thirty-five percent of your score. Then credit utilization — how much of your available credit you're using — that's thirty percent. Length of credit history, types of credit, and new inquiries make up the rest.

最大的因素是还款记录——占评分的35%。然后是信用使用率——你用了多少可用额度——占30%。信用历史长度、信用类型和新查询占其余部分。

That's likely a big factor. Experts recommend keeping your utilization below thirty percent. If your credit limit is one thousand dollars, try to keep your balance under three hundred. Paying it down will boost your score within a month or two.

这很可能是主要原因。专家建议把使用率控制在30%以下。如果你的信用额度是1000美元，尽量把余额控制在300以下。还清后一两个月内评分就会提升。

You can check it for free through our app monthly — that's a soft inquiry and won't affect your score. You're also entitled to a free credit report from each of the three bureaus once a year through AnnualCreditReport.com.

您可以每月通过我们的App免费查看——这是软查询，不会影响评分。您还有权每年从三大征信机构各免费获取一次信用报告，通过AnnualCreditReport.com。