{"id":2948,"date":"2025-05-07T17:50:23","date_gmt":"2025-05-07T14:50:23","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=2948"},"modified":"2025-12-29T10:43:32","modified_gmt":"2025-12-29T08:43:32","slug":"fico-score-de-la-biroul-de-credit","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/fico-score-de-la-biroul-de-credit\/","title":{"rendered":"Fico Score de la Biroul de Credit: Ce este, cum func\u021bioneaz\u0103 \u0219i de ce conteaz\u0103"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 12<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>\u00cen contextul financiar actual, evaluarea riscului de creditare joac\u0103 un rol esen\u021bial \u00een deciziile luate de institu\u021biile bancare \u0219i non-bancare. Unul dintre cele mai utilizate instrumente \u00een acest sens este FICO score de la Biroul de Credit, un indicator numeric al bonit\u0103\u021bii unui solicitant. \u00cen Rom\u00e2nia, acest tip de scor este folosit de Biroul de Credit pentru a evalua comportamentul de plat\u0103 al persoanelor fizice, iar rezultatele influen\u021beaz\u0103 direct accesul la credite \u0219i condi\u021biile oferite.<\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Ce este Fico Score de la Biroul de Credit?<\/h2>\n<p>FICO Score de la Biroul de Credit este un model de evaluare a riscului de creditare dezvoltat de compania american\u0103 Fair Isaac Corporation. Este utilizat la nivel global \u0219i se bazeaz\u0103 pe un algoritm care analizeaz\u0103 istoricul de credit al unei persoane, convertind datele \u00eentr-un scor numeric cuprins, de obicei, \u00eentre 300 \u0219i 850. Cu c\u00e2t scorul este mai mare, cu at\u00e2t profilul de risc este considerat mai sc\u0103zut de c\u0103tre creditori.<\/p>\n<p>\u00cen Rom\u00e2nia, Biroul de Credit a implementat modelul FICO Score pentru a furniza institu\u021biilor financiare un instrument standardizat \u0219i obiectiv \u00een procesul de acordare a creditelor.<\/p>\n<p>V\u0103 invit\u0103m s\u0103 vizualiza\u021bi \u0219i articolul nostru <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/scorul-fico-ce-este-si-de-ce-este-important\/\"><b>Scorul FICO \u2013 ce este \u0219i de ce este important?<\/b><\/a><\/p>\n<h3 class=\"\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\">Cine genereaz\u0103 Fico Score in Rom\u00e2nia?<\/h3>\n<p>FICO Score este generat automat de Biroul de Credit, pe baza datelor raportate de institu\u021biile participante (b\u0103nci, IFN-uri \u0219i alte entit\u0103\u021bi care acord\u0103 credite). Acestea transmit lunar informa\u021bii despre comportamentul de plat\u0103 al clien\u021bilor, iar scorul se actualizeaz\u0103 \u00een consecin\u021b\u0103.<\/p>\n<p>Fiecare persoan\u0103 care a contractat cel pu\u021bin un produs de creditare \u0219i care a fost raportat\u0103 la Biroul de Credit are un scor FICO activ. Acest scor poate fi consultat de c\u0103tre institu\u021biile autorizate \u00een momentul \u00een care o persoan\u0103 solicit\u0103 un nou \u00eemprumut sau o refinan\u021bare.<\/p>\n<h2>Structura \u0219i factorii care influen\u021beaz\u0103 Fico Score de la Biroul de Credit<\/h2>\n<p>Modelul FICO score de la Biroul de Credit folosit \u00een Rom\u00e2nia se bazeaz\u0103 pe o serie de factori pondera\u021bi, fiecare av\u00e2nd o influen\u021b\u0103 diferit\u0103 asupra scorului final:<\/p>\n<p><b>1. Istoricul pl\u0103\u021bilor (35%)<\/b> \u2013 reprezint\u0103 cel mai important element. \u00cent\u00e2rzierile la plat\u0103, restan\u021bele sau creditele executate silit afecteaz\u0103 negativ scorul.<\/p>\n<p><b>2. Suma datorat\u0103 (30%) <\/b>\u2013 reflect\u0103 nivelul actual al datoriilor comparativ cu limitele de credit disponibile.<\/p>\n<p><b>3. Durata istoricului de credit (15%) <\/b>\u2013 un istoric mai lung \u0219i stabil este un semn pozitiv pentru creditori.<\/p>\n<p><b>4. Tipurile de credit utilizate (10%) <\/b>\u2013 diversificarea tipurilor de \u00eemprumuturi (credite de consum, carduri, leasing etc.) poate influen\u021ba pozitiv scorul.<\/p>\n<p><b>5. Cereri recente de credit (10%)<\/b> \u2013 un num\u0103r mare de cereri \u00eentr-un timp scurt poate semnala un risc crescut.<\/p>\n<p>Ace\u0219ti factori sunt procesa\u021bi algoritmic, rezult\u00e2nd un scor care reflect\u0103 probabilitatea ca o persoan\u0103 s\u0103 \u00eent\u00e2rzie plata unui credit \u00een urm\u0103toarele 12 luni.<\/p>\n<div class=\"video-shortcode\">\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@123credit.ro\/video\/7506101348933324054\" data-video-id=\"7506101348933324054\" data-embed-from=\"oembed\" style=\"max-width:605px; min-width:325px;\">\n<section> <a target=\"_blank\" title=\"@123credit.ro\" href=\"https:\/\/www.tiktok.com\/@123credit.ro?refer=embed\">@123credit.ro<\/a> <\/p>\n<p>???? B\u0103ncile nu te cunosc. Scorul de credit ???? vorbe\u0219te pentru tine.  Ai grij\u0103 ce spune! ???? 123Credit ScorDeCredit Finan\u021bePersonale Educa\u021bieFinanciar\u0103<\/p>\n<p> <a target=\"_blank\" title=\"\u266c Gods creation - daniel.mp3\" href=\"https:\/\/www.tiktok.com\/music\/Gods-creation-7122459821244155906?refer=embed\">\u266c Gods creation &#8211; daniel.mp3<\/a> <\/section>\n<\/blockquote>\n<p> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script><\/div>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Intervalul scorului \u0219i semnifica\u021bia sa<\/h2>\n<p>FICO Score este exprimat \u00eentr-un interval numeric \u00eentre 300 \u0219i 850, iar interpretarea general\u0103 este urm\u0103toarea:<\/p>\n<p><b>300\u2013579<\/b>: risc foarte ridicat, \u0219anse reduse de aprobare a unui credit;<\/p>\n<p><b>580\u2013669<\/b>: risc ridicat, condi\u021bii de creditare restrictive;<\/p>\n<p><b>670\u2013739:<\/b> scor mediu spre bun, condi\u021bii normale de creditare;<\/p>\n<p><b>740\u2013799: <\/b>scor bun, oferte favorabile;<\/p>\n<p><b>800\u2013850: <\/b>scor excelent, acces facil la finan\u021b\u0103ri cu dob\u00e2nzi reduse.<\/p>\n<p>Este important de men\u021bionat c\u0103 fiecare institu\u021bie de creditare poate interpreta scorul \u00een func\u021bie de propria politic\u0103 intern\u0103 \u0219i poate impune praguri diferite.<\/p>\n<p><span style=\"font-weight: 400;\">Un aspect esen\u021bial \u00een analiza dosarului este v\u00e2rsta codebitorului. Perioada maxim\u0103 a creditului ipotecar se calculeaz\u0103 \u00een func\u021bie de participantul la credit cu v\u00e2rsta cea mai \u00eenaintat\u0103. De exemplu, dac\u0103 titularul are 25 de ani \u0219i codebitorul are 47 de ani, perioada maxim\u0103 a creditului va fi mai mic\u0103, raportat\u0103 la v\u00e2rsta codebitorului.<\/span><\/p>\n<p><b>Evaluarea veniturilor \u0219i istoricul de credit:<\/b><span style=\"font-weight: 400;\"> Banca va analiza at\u00e2t profilul profesional \u0219i financiar al titularului, c\u00e2t \u0219i pe cel al codebitorului. <\/span><span style=\"font-weight: 400;\">Pentru un aport optim la ob\u021binerea creditului, este recomandat ca profilul financiar \u0219i profesional al codebitorului s\u0103 fie cel pu\u021bin similar cu cel al titularului de credit.<\/span><span style=\"font-weight: 400;\"> De asemenea, avansul minim necesar pentru accesarea<\/span> <span style=\"font-weight: 400; color: var(--awb-color4);\"><u><a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/calculator-imprumut\">creditului ipotecar<\/a><\/u><\/span><span style=\"font-weight: 400;\"> va fi stabilit \u0219i \u00een func\u021bie de situa\u021bia codebitorului.<\/span><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Avantajele \u0219i dezavantajele particip\u0103rii unui codebitor la un credit ipotecar<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Participarea cu un codebitor la creditul ipotecar vine cu plusuri \u0219i minusuri.<\/span><\/p>\n<p><b>Avantaje:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cre\u0219terea \u0219anselor de aprobare a creditului:<\/b><span style=\"font-weight: 400;\"> Veniturile combinate ale titularului \u0219i codebitorului pot \u00eembun\u0103t\u0103\u021bi scorul de credit \u0219i capacitatea de plat\u0103, cresc\u00e2nd astfel \u0219ansele de aprobare.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sume mai mari:<\/b><span style=\"font-weight: 400;\"> Veniturile mai mari permit accesarea unor sume mai mari de credit, necesare pentru achizi\u021bionarea unui imobil mai scump.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Responsabilitate comun\u0103:<\/b><span style=\"font-weight: 400;\"> At\u00e2t titularul, c\u00e2t \u0219i codebitorul au responsabilitatea de a pl\u0103ti ratele creditului ipotecar, ceea ce poate reduce stresul financiar individual.<\/span><\/li>\n<\/ul>\n<p><b>Dezavantaje:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Responsabilitate comun\u0103:<\/b><span style=\"font-weight: 400;\"> Dac\u0103 titularul nu pl\u0103te\u0219te rata, codebitorul devine responsabil pentru plata ratelor. Aceasta poate duce la tensiuni \u00een rela\u021bia personal\u0103 \u0219i la dificult\u0103\u021bi financiare pentru codebitor.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limitarea capacit\u0103\u021bii de \u00eendatorare:<\/b><span style=\"font-weight: 400;\"> Rata creditului ipotecar va fi \u00eenregistrat\u0103 \u0219i \u00een raportul de credit al codebitorului, influen\u021b\u00e2nd capacitatea acestuia de a accesa credite viitoare. De exemplu, dac\u0103 codebitorul dore\u0219te s\u0103 acceseze un<\/span> <span style=\"font-weight: 400; color: var(--awb-color4);\"><u><a style=\"color: var(--awb-color4);\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\">credit online<\/a><\/u><\/span><span style=\"font-weight: 400;\"> \u00een viitor, acesta va trebui s\u0103 \u021bin\u0103 cont de datoriile existente, inclusiv creditul ipotecar angajat \u00een calitate de co-imprumutat.<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-background-color:var(--awb-color4);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"940\" height=\"788\" alt=\"articol despre codebitorul la creditul ipotecar\" title=\"codebitorul-credit-ipotecar\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg\" class=\"img-responsive wp-image-1124\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-200x168.jpg 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-400x335.jpg 400w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-600x503.jpg 600w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar-800x671.jpg 800w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/codebitor-credit-ipotecar.jpg 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:var(--awb-typography1-line-height);\">Ai nevoie de un credit ipotecar?<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"color: #ffffff;\">Specialistul in creditare este persoana care iti expune toate variantele de credit potrivite pentru profilul tau si se ocupa de intregul tau dosar si te poate ajuta cu accesarea oricarui tip de credit si este persoana de legatura dintre tine si banca.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:#000000;--button_border_hover_color:#000000;--button_gradient_top_color:#fe9900;--button_gradient_bottom_color:#fe9900;--button_gradient_top_color_hover:#ffffff;--button_gradient_bottom_color_hover:#ffffff;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/123credit.ro\/specialisti-credite#brokers\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">VEZI OFERTELE PENTRU CREDIT IPOTECAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\">Cum poate fi verificat Fico Score de la Biroul de Credit?<\/h2>\n<p>Orice persoan\u0103 fizic\u0103 are dreptul s\u0103 solicite, gratuit, o dat\u0103 pe an, o situa\u021bie complet\u0103 a datelor \u00eenregistrate \u00een sistemul Biroului de Credit, inclusiv scorul FICO asociat.<\/p>\n<p>Aceast\u0103 informa\u021bie poate fi ob\u021binut\u0103 online, prin completarea unui formular disponibil pe site-ul oficial al Biroului de Credit.<\/p>\n<p>Alternativ, cererea poate fi transmis\u0103 prin po\u0219t\u0103, e-mail sau direct la sediul institu\u021biei, fiind necesar\u0103 \u0219i o copie a actului de identitate.<\/p>\n<p>\u00cen afara solicit\u0103rii gratuite anuale, se pot cere \u0219i raport\u0103ri suplimentare, contra cost.<\/p>\n<h2>De ce este important Fico Score?<\/h2>\n<p>Scorul FICO influen\u021beaz\u0103 \u00een mod direct via\u021ba financiar\u0103 a unei persoane. \u00cen func\u021bie de nivelul s\u0103u, o persoan\u0103 poate ob\u021bine sau, din contr\u0103, poate fi refuzat\u0103 pentru un credit.<\/p>\n<p>Un scor mai ridicat permite accesul la dob\u00e2nzi mai mici, \u00een timp ce un scor mai sc\u0103zut poate duce la costuri mai mari de finan\u021bare. De asemenea, un scor favorabil faciliteaz\u0103 accesul la produse financiare speciale, precum cardurile premium sau liniile de credit. Totodat\u0103, persoanele cu un scor bun pot ob\u021bine limite mai mari de finan\u021bare.<\/p>\n<p>\u00cen plus, un scor FICO pozitiv contribuie la demonstrarea bonit\u0103\u021bii \u00een fa\u021ba altor institu\u021bii, cum ar fi companiile de leasing sau furnizorii de servicii de telecomunica\u021bii.<\/p>\n<p>Un scor ridicat denot\u0103 disciplin\u0103 financiar\u0103 \u0219i inspir\u0103 \u00eencredere, \u00een timp ce un scor sc\u0103zut poate semnala riscuri \u0219i determina refuzuri din partea creditorilor.<\/p>\n<h3>Cum poate fi \u00eembun\u0103t\u0103\u021bit scorul?<\/h3>\n<p>Este esen\u021bial ca persoanele interesate de accesarea unui \u00eemprumut s\u0103 \u00ee\u0219i cunoasc\u0103 scorul \u00een avans \u0219i, dac\u0103 este cazul, s\u0103 ia m\u0103suri pentru \u00eembun\u0103t\u0103\u021birea acestuia cu c\u00e2teva luni \u00eenainte de aplicare.<\/p>\n<h3>Diferen\u021ba dintre Fico Score \u0219i alte scoruri de credit<\/h3>\n<p>Pe l\u00e2ng\u0103 scorul FICO, \u00een Rom\u00e2nia mai pot fi \u00eent\u00e2lnite \u0219i alte modele de evaluare a riscului, utilizate intern de c\u0103tre anumite institu\u021bii financiare. Acestea pot genera scoruri proprii, bazate pe algoritmi diferi\u021bi, care iau \u00een calcul date similare, dar ponderate altfel.<\/p>\n<p>FICO Score are \u00eens\u0103 avantajul standardiz\u0103rii interna\u021bionale \u0219i este considerat unul dintre cele mai precise \u0219i fiabile modele de analiz\u0103 a riscului de credit.<\/p>\n<p>V\u0103 invit\u0103m s\u0103 citi\u021bi \u0219i articolul nostru <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/blog\/cum-creti-scorul-fico-dupa-raportarea-la-biroul-de-credit\/\"><b>Cum cre\u0219ti scorul FICO dup\u0103 raportarea la Biroul de Credit<\/b><\/a>.<\/p>\n<p><b>Influen\u021ba scorului asupra altor decizii financiare<\/b><\/p>\n<p>De\u0219i este asociat \u00een principal cu ob\u021binerea de credite, scorul FICO poate influen\u021ba \u0219i alte decizii financiare. De exemplu, unele companii de \u00eenchirieri imobiliare sau furnizori de servicii pot consulta istoricul de credit \u00eenainte de a \u00eencheia un contract. Astfel, un scor bun poate facilita ob\u021binerea unor condi\u021bii mai avantajoase \u0219i \u00een afara sectorului bancar.<\/p>\n<p>Pentru consultan\u021b\u0103 personalizat\u0103, v\u0103 invit\u0103m s\u0103 lua\u021bi leg\u0103tura cu unul dintre <a style=\"color: var(--awb-color5);\" href=\"https:\/\/123credit.ro\/consultanti-credite\"><b>colegii no\u0219tri din toat\u0103 \u021bara.<\/b><\/a><\/p>\n<h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><span style=\"font-weight: 400;\">Concluzie<\/span><\/h2>\n<p>FICO Score, implementat de Biroul de Credit, reprezint\u0103 un element central \u00een evaluarea riscului de creditare \u00een Rom\u00e2nia. Acest scor ofer\u0103 o imagine sintetic\u0103 a comportamentului financiar al unei persoane \u0219i influen\u021beaz\u0103 direct accesul la produse de finan\u021bare. \u00cen\u021belegerea modului \u00een care func\u021bioneaz\u0103, precum \u0219i a factorilor care \u00eel influen\u021beaz\u0103, este esen\u021bial\u0103 pentru oricine dore\u0219te s\u0103-\u0219i gestioneze eficient profilul de credit \u0219i s\u0103 beneficieze de condi\u021bii avantajoase \u00een rela\u021bia cu institu\u021biile financiare.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-margin-top:40px;--awb-margin-bottom:40px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-inner-bg-wrapper notitles\" style=\"--awb-inner-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-backgroundcolor:var(--awb-color3);--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/specialisti-credite\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de p\u0103rerea unui specialist \u00een credite?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Un specialist \u00een credite \u00ee\u021bi va oferi consultan\u021b\u0103 \u0219i solu\u021bii financiare legate de ob\u021binerea \u0219i gestionarea creditului t\u0103u.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/specialisti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Consult\u0103 un specialist<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/calculator-imprumut\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-warehouse fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Vrei s\u0103 afli c\u00e2t po\u021bi s\u0103 \u00eemprumu\u021bi? <\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Verific\u0103 care este suma pe care o po\u021bi primi, ce rat\u0103 \u021bi se potrive\u0219te \u0219i care este gradul t\u0103u de \u00eendatorare acces\u00e2nd calculatorul de \u00eemprumut.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/calculator-imprumut\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">C\u00e2t pot s\u0103 \u00eemprumut<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de refinantare pentru creditul t\u0103u?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Refinan\u021beaz\u0103 creditul t\u0103u ipotecar sau Noua Cas\u0103 \u0219i transform\u0103 dob\u00e2nda variabil\u0103 \u00een dob\u00e2nd\u0103 fix\u0103 sau ob\u021bine o rat\u0103 mai mic\u0103.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/refinantare-credit-ipotecar\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Refinan\u021beaz\u0103 rapid<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h2 class=\"\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<ol>\n<li><b> Se poate contesta un scor FICO considerat incorect?<\/b><\/li>\n<\/ol>\n<p>Da, \u00een cazul \u00een care exist\u0103 suspiciuni legate de acurate\u021bea datelor, se poate depune o solicitare de corectare la Biroul de Credit, \u00eenso\u021bit\u0103 de documente justificative emise de institu\u021bia care a raportat informa\u021biile.<\/p>\n<ol start=\"2\">\n<li><b> FICO Score ia \u00een calcul veniturile lunare ale solicitantului?<\/b><\/li>\n<\/ol>\n<p>Nu, scorul FICO nu analizeaz\u0103 veniturile efective ale unei persoane, ci doar comportamentul de creditare. Veniturile sunt evaluate separat de institu\u021biile financiare, \u00een procesul de analiz\u0103 a bonit\u0103\u021bii.<\/p>\n<ol start=\"3\">\n<li><b>Se pot \u00eenregistra schimb\u0103ri bru\u0219te ale scorului FICO?<\/b><\/li>\n<\/ol>\n<p>Da, o \u00eent\u00e2rziere major\u0103 la plat\u0103, o restan\u021b\u0103 raportat\u0103 sau \u00eenchiderea unui credit pot genera modific\u0103ri semnificative ale scorului \u00eentr-un timp foarte scurt, chiar de la o lun\u0103 la alta.<\/p>\n<ol start=\"4\">\n<li><b> Exist\u0103 aplica\u021bii mobile care afi\u0219eaz\u0103 scorul FICO \u00een Rom\u00e2nia?<\/b><\/li>\n<\/ol>\n<p>Scorul FICO \u00een Rom\u00e2nia nu este disponibil direct prin aplica\u021bii mobile comerciale. Consultarea lui se face oficial doar prin intermediul Biroului de Credit, la cererea persoanei vizate sau a creditorilor autoriza\u021bi.<\/p>\n<ol start=\"5\">\n<li><b>Se ia \u00een calcul valuta creditelor \u00een calculul scorului FICO?<\/b><\/li>\n<\/ol>\n<p>Nu, valuta \u00een care sunt contractate creditele nu influen\u021beaz\u0103 scorul. Modelul ia \u00een considerare doar date precum istoricul pl\u0103\u021bilor, sumele datorate \u0219i comportamentul financiar, indiferent de moneda folosit\u0103.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institu\u021bii<br \/>\nfinanciare partenere:<\/span><\/p><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"216\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-otp.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplic\u0103 pentru un credit \u00een mai pu\u021bin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:30PX;--awb-padding-right:30PX;--awb-padding-bottom:30PX;--awb-padding-left:30PX;--awb-overflow:hidden;--awb-bg-color:#fafafa;--awb-bg-color-hover:#fafafa;--awb-bg-size:cover;--awb-border-color:#dadada;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:20PX 20PX 20PX 20PX;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h5 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:16;--minFontSize:16;line-height:var(--awb-typography1-line-height);\">Hai pe 123credit.ro \u0219i ia-\u021bi creditul potrivit pentru tine.<\/h5><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-span-no fusion-button-default-type\" target=\"_self\" href=\"https:\/\/nf.123credit.ro\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Vreau credit!<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 12<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":9,"featured_media":2949,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[63],"class_list":["post-2948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar","tag-scor-fico"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fico Score de la Biroul de Credit: Ce este, cum func\u021bioneaz\u0103 \u0219i de ce conteaz\u0103 - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Afl\u0103 ce este fico score de la biroul de credit, cum se calculeaza \u0219i ce impact are asupra accesului la credite. 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