\u0631\u0628\u0645\u0627 \u062a\u0631\u064a\u062f \u0633\u064a\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a<\/li>\n<\/ol>\n\u062f\u0639\u0648\u0646\u0627 \u0646\u0648\u0627\u062c\u0647 \u0627\u0644\u0623\u0645\u0631: \u0642\u062f \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0639\u062f\u062f \u0623\u0642\u0644 \u0645\u0646 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0642\u0644 \u0627\u0644\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a – \u0648\u062e\u0627\u0635\u0629 \u062a\u0644\u0643 \u0627\u0644\u0645\u062d\u064a\u0637\u0629 \u0628\u0627\u0644\u0645\u062f\u0646 \u0627\u0644\u0635\u063a\u064a\u0631\u0629.<\/p>\n
\u064a\u0642\u0648\u0644 \u0648\u0627\u062a\u0631\u0633\u0648\u0646: “\u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0644\u062f\u064a\u0643 \u0633\u064a\u0627\u0631\u0629 \u0645\u0646 \u0642\u0628\u0644 \u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u0624\u0643\u062f \u0623\u0646\u0643 \u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0633\u064a\u0627\u0631\u0629 \u0627\u0644\u0622\u0646. \u0648\u0631\u0628\u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0633\u064a\u0627\u0631\u062a\u064a\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0634\u062e\u0635 \u0628\u0627\u0644\u063a \u0641\u064a \u0645\u0646\u0632\u0644\u0643”.<\/p>\n
\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0633\u064a\u0627\u0631\u0629 \u0644\u064a\u0633\u062a \u0631\u062e\u064a\u0635\u0629: \u0643\u0627\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0634\u0647\u0631\u064a \u0644\u0633\u064a\u0627\u0631\u0629 \u062c\u062f\u064a\u062f\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 \u064a\u0648\u0644\u064a\u0648 \u0625\u0644\u0649 \u0623\u0643\u062a\u0648\u0628\u0631 2019 \u0647\u0648 556 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0640 Experian. \u062b\u0645 \u060c \u0647\u0646\u0627\u0643 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u063a\u0627\u0632 \u0648\u0627\u0644\u0635\u064a\u0627\u0646\u0629 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631.<\/p>\n
\u064a\u0642\u0648\u0644 \u0648\u0627\u062a\u0631\u0633\u0648\u0646: “\u062d\u062a\u0649 \u0644\u0648 \u0643\u0646\u062a \u062a\u062f\u062e\u0631 \u0628\u0639\u0636 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0630\u064a \u062a\u0639\u064a\u0634 \u062e\u0627\u0631\u062c \u0627\u0644\u0645\u062f\u064a\u0646\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u060c \u0641\u0623\u0646\u062a \u0627\u0644\u0622\u0646 \u062a\u0645\u0644\u0643 \u0648\u0627\u062d\u062f\u064b\u0627 \u0623\u0648 \u0627\u062b\u0646\u064a\u0646 \u0645\u0646 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0629”.<\/p>\n
\n- \u0642\u062f \u064a\u0643\u0644\u0641 \u0627\u0644\u0623\u0645\u0631 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0630\u0647\u0627\u0628 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0648\u0645\u0646\u0647<\/li>\n<\/ol>\n
\u0642\u062f \u062a\u0643\u0648\u0646 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0646\u0642\u0644 \u0623\u0639\u0644\u0649 \u0645\u0646 \u0627\u0644\u0636\u0648\u0627\u062d\u064a \u060c \u062d\u062a\u0649 \u0625\u0630\u0627 \u0643\u0646\u062a \u0644\u0627 \u062a\u0642\u0648\u062f \u0633\u064a\u0627\u0631\u062a\u0643.<\/p>\n
\u0645\u0646 \u062f\u0641\u0639 \u0631\u0633\u0648\u0645 \u0627\u0644\u0637\u0631\u0642 \u0648\u0627\u0644\u063a\u0627\u0632 \u060c \u0625\u0644\u0649 \u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0639\u0644\u0649 \u062a\u0630\u0643\u0631\u0629 \u0642\u0637\u0627\u0631 \u0631\u0643\u0627\u0628 \u0634\u0647\u0631\u064a\u0629 \u060c \u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u062a\u0643\u0648\u0646 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u0646 \u0627\u0644\u0636\u0648\u0627\u062d\u064a \u0623\u0643\u062b\u0631. \u0648\u0647\u0630\u0627 \u0644\u0627 \u064a\u062d\u0633\u0628 \u0627\u0644\u0633\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062e\u0633\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0646\u0632\u0644 \u0643\u0644 \u064a\u0648\u0645.<\/p>\n
\n- \u0644\u062f\u064a\u0643 \u0645\u0633\u0627\u062d\u0629 \u062f\u0627\u062e\u0644\u064a\u0629 \u0623\u0643\u0628\u0631 \u062a\u062c\u062f\u064a\u062f\u0647\u0627 \u0648\u0635\u064a\u0627\u0646\u062a\u0647\u0627<\/li>\n<\/ol>\n
\u064a\u0642\u0648\u0644 \u0648\u0627\u062a\u0631\u0633\u0648\u0646: “\u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0645\u0646\u0632\u0644 \u0623\u0643\u0628\u0631 \u060c \u0639\u0644\u064a\u0643 \u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644\u0647 \u0623\u0648 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647 \u0639\u0646\u062f\u0645\u0627 \u064a\u0635\u0628\u062d \u0642\u062f\u064a\u0645\u064b\u0627 \u0623\u0648 \u063a\u064a\u0631 \u0641\u0639\u0627\u0644”. “\u0647\u0630\u0647 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0644\u064a\u0633\u062a \u0643\u0644 \u0639\u0627\u0645 \u060c \u0644\u0643\u0646\u0647\u0627 \u0643\u0628\u064a\u0631\u0629”.<\/p>\n
\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u062a\u0643\u0644\u0641\u0629 \u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644 \u0627\u0644\u0645\u0637\u0628\u062e \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 20 \u0623\u0644\u0641 \u062f\u0648\u0644\u0627\u0631 \u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0623\u0635\u063a\u0631 \u0645\u062b\u0644 \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u062b\u0644\u0627\u062c\u0629 \u0645\u0643\u0633\u0648\u0631\u0629 \u0623\u0648 \u0645\u0648\u0642\u062f \u0637\u0647\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0644\u0641 \u0627\u0644\u0645\u0626\u0627\u062a \u0623\u0648 \u0627\u0644\u0622\u0644\u0627\u0641. \u062d\u064a\u062b \u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u063a\u0633\u0627\u0644\u0629 \u0635\u062d\u0648\u0646 \u0641\u064a \u0627\u0633\u062a\u0648\u062f\u064a\u0648 \u0645\u0633\u0627\u062d\u062a\u0647 600 \u0642\u062f\u0645 \u0645\u0631\u0628\u0639 \u060c \u0641\u0642\u062f \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0648\u0627\u062d\u062f\u0629 \u0644\u0625\u0635\u0644\u0627\u062d\u0647\u0627 \u0623\u0648 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a.<\/p>\n
\u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u0627\u0644\u0645\u0633\u0627\u062d\u0629 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u0645\u0648\u0627\u0635\u0644\u062a\u0647\u0627 \u060c \u0632\u0627\u062f\u062a \u062a\u0643\u0644\u0641\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u064a\u0648\u0645 \u0645\u0646 \u0627\u0644\u0623\u064a\u0627\u0645.<\/p>\n
\n- \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0644\u0641 \u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0645\u062f\u0646<\/li>\n<\/ol>\n
\u0641\u064a \u0627\u0644\u0645\u062f\u0646 \u060c \u062a\u0643\u0648\u0646 \u0627\u0644\u0625\u0645\u062f\u0627\u062f\u0627\u062a \u0627\u0644\u063a\u0630\u0627\u0626\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639 \u0623\u0643\u0628\u0631 \u0645\u0645\u0627 \u0647\u064a \u0639\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a \u060c \u0643\u0645\u0627 \u064a\u0643\u062a\u0628 \u0633\u062a\u064a\u0641\u0646 \u062c\u0648\u0646 \u0644\u0640 Business Insider. \u0645\u0639 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0641\u064a \u0627\u0644\u0645\u062f\u0646 \u0648\u062e\u064a\u0627\u0631\u0627\u062a \u0623\u0643\u062b\u0631 \u0645\u0644\u0627\u0621\u0645\u0629 \u0648\u0645\u0631\u064a\u062d\u0629 \u060c \u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u062a\u0633\u0639\u064a\u0631 \u0633\u0644\u0639\u0647\u0645 \u0628\u0634\u0643\u0644 \u0623\u0643\u062b\u0631 \u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/p>\n
\n- \u0627\u0644\u0637\u0628\u064a\u0639\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u062a\u0623\u062b\u064a\u0631 \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0645\u0646\u0632\u0644\u0643 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a<\/li>\n<\/ol>\n
\u0641\u064a \u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0636\u0648\u0627\u062d\u064a \u060c \u062a\u0645\u062a\u0644\u0643 \u0645\u0633\u0627\u062d\u0629 \u0623\u0643\u0628\u0631 \u0648\u0644\u062f\u064a\u0643 \u0641\u0631\u0635\u0629 \u0623\u0643\u0628\u0631 \u0644\u062d\u062f\u0648\u062b \u0634\u064a\u0621 \u0645\u0627. \u0627\u0644\u0637\u0627\u0628\u0642 \u0627\u0644\u0633\u0641\u0644\u064a \u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u060c \u0634\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u0636\u0648\u0627\u062d\u064a \u060c \u0648\u0644\u0643\u0646 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0623\u064a\u0636\u064b\u0627 \u0639\u0631\u0636\u0629 \u0644\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a. \u0648\u0645\u0639 \u0648\u062c\u0648\u062f \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0634\u062c\u0627\u0631 \u060c \u0648\u0645\u0633\u0627\u062d\u0629 \u0627\u0644\u0641\u0646\u0627\u0621 \u060c \u0648\u0627\u0644\u0631\u0635\u064a\u0641 \u060c \u0647\u0646\u0627\u0643 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0645\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062d\u062f\u062b \u062e\u0637\u0623.<\/p>\n
<\/p>\n
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\n- \u0642\u062f \u062a\u062c\u062f \u0646\u0641\u0633\u0643 \u062a\u0646\u0641\u0642 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0639\u0644\u0649 \u0623\u0634\u064a\u0627\u0621 \u0644\u0644\u0642\u064a\u0627\u0645 \u0628\u0647\u0627<\/li>\n<\/ol>\n
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