Nazi iikhompthi ezingama-20 zekhredithi kunye nenyaniso malunga nganye.
I-Bad Credit Score Ihlala njalo
Umlinganiselo ombi wekhredithi uza kuhlala kuphela ngonaphakade xa uqhubeka ukhetha ukuphazamisa amanqaku okuthenga ngetyala , oko kukuthi, ukuhlawula ngokukhawuleza, ukukhupha iikhadi lakho lokuthenga ngetyala, ukuvumela iibhotho ukuya kwiiqoqo, njl njl.
Ngaphandle koko, ukuba uqala ukulawula i-credit yakho kakuhle, umlinganiselo wakho wekhredithi uya kuphucula ngexesha.
Kuthatha ixesha elide kwiMpawu zeMboleko ukuya kwizinto ezimbi
Kuthatha nje inyanga ezimbalwa ukuchitha inqaku elifanelekileyo lekhredithi . Kwiinyanga ezintandathu ezidlulileyo ngenxa yoko, i-akhawunti yakho iya kuhlawuliswa, yinto yezona zinto ezimbi kakhulu ongayenza kumanqaku akho. Iintlawulo ezihlawulelwayo ezininzi okanye iqoqo zingonakalisa ngokupheleleyo amanqaku akho.
Ukujonga i-Credit yakho kuphazamisa amanqaku akho
Unokuzijonga ngetyala lakho ngokuphindaphindiweyo njengoko ufuna ngaphandle kokulimaza amanqaku akho okwekhredithi ngexesha nje usebenzisa ii-credit scoreoring services, kwaye kungabikho ababolekisi bemali-mboleko, ukujonga amanqaku akho.
Kufuneka wenze iMali yeMali ukuba ube neengxelo ezifanelekileyo zeNgxowa-mali
Ingakanani imali onayo ngokukodwa ngokuthe ngqo kwiimpawu zakho zekredithi. Ingeniso ayiyona into ebalulekileyo kumanqaku akho . Nangona kunjalo, imirhumo yokuhlawula imali (echaphazelekayo yinxalenye yengeniso yakho) yenza ukuba kubekho kumanqaku akho ekhredithi. Kungakhathaliseki ukuba unayo imali eninzi, ukuhlawula iibhokhwe zakho ngexesha liyona nto ingcono kakhulu ongayenza kumanqaku akho.
Umntu ngamnye unomnye umvuzo wesikweletu
Umntu ngamnye unokufumana amanqaku amanqaku ekhredithi kuba kukho amanqaku amanqaku ahlukeneyo okuthenga ngetyala. Kwaye nganye yekredithi yokubeka umzekelo, kukho izikolo ezintathu ezihlukeneyo zemboleko zemali nganye kwiiholo ezinkulu zeentengo zemboleko.
Ikhredithi yeNgxowa-mboleko Uyakujonga ukuba nguLowo oya kuBona uMboleki
Amanqaku ekhredithi oyifumana kwi-intanethi, ingaba inkululeko okanye ithengiweyo, imilinganiselo yemboleko yemfundo kwaye ngokuqhelekileyo ayikho inqaku elifanayo lekhredithi eliza kulusebenzisa.
Nangona imilinganiselo yematyala yemfundo inokunika ingcamango jikelele yezempilo yakho yekhredithi, awukwazi ukuthatha ngokungqongqo ukuba uya kuvunywa ngokusekelwe kuloo nqanaba.
Ukutshata kuya kudibanisa izikolo zakho zemali
Wena kunye nomlingane wakho uya kuqhubeka nokugcina iimbali zeentengo zemboleko kunye nezikolo zemboleko emva kokuba ubophe iqhosha . Iingxelo ezidibeneyo ziya kuthintela zombini izikolo zakho zemali, kodwa iingxelo ezigcinwe ngabanye zichaphazela kuphela umlinganiselo wekhredithi yomnini-akhawunti.
Amakhadi eDeit and Prepaid Uyakwenza i-Good Score Score
Iindaba ezimbi nakubani na umntu ofake isicelo sekhadi elihlawulwa ngaphambili okanye elikhawulezayo elithemba ukuphucula umvuzo wabo wekhredithi: akukho nhlobo "yemboleko" kumakhadi okubhadela okanye akhokhelwa ngaphambili kunye nomlando wakho ngala maphepha ayifakwanga kumanqaku akho. Amakhadi kunye neengxowa-mboleko ziyimveliso ebalulekileyo yemali echaphazela amanqaku ekhredithi.
Abaqeshi bahlole i-Credit Scores
Kuchasene nomthetho ukuba abaqeshi basebenzise izikolo zemali-mboleko kubasebenzi bezicwangciso zemisebenzi. Amajelo amaphephandaba asenza ukuba le nto iphosakele kuba abantu abaqondi ukuba izikolo zetyala kunye neengxelo zemboleko akuzona izinto ezifanayo . Umqeshi unokujonga ingxelo yakho yekhredithi kodwa kungabi ngamanqaku akho.
Ukuvala iKhadi leMatyala liya kuphucula umvuzo wakho
Ukuvala ikhadi lekhredithi kunakho ukulimaza amanqaku akho okwekhredithi kunokuba uncede, ingakumbi ukuba uvale ikhadi ngokulinganisela.
Ukushiya iakhawunti evulekile, ingakumbi ukuba iimeko ezilungileyo , ngokuqhelekileyo kungcono kumanqaku akhokredithi.
Ukuba neMali yeMali kwiBhanki kuthetha ukuba unomvuzo omuhle weNgxowa-mali.
Ibhalansi yeBhanki ayiyona into esetyenzisiweyo yokubala amanqaku akho . Kukho ukulungelelaniswa phakathi kwemikhwa yokulondoloza kakuhle kunye nezikolo ezifanelekileyo zetyala, kodwa umntu unokufumana amanqaku embi ekhredithi kunye nemali eninzi ebhankini ukuba abayisebenzisi imali ukuhlawula iindleko zabo ngexesha ngalinye ngenyanga.
Ukuhlawula iqoqo kugcinwa kukuxhamla amanqaku akho kwiNgxowa-mboleko
Ukuhlawula i-akhawunti yokuqokelela kunokukunceda amanqaku akho okwekhredithi ngexesha elide, kodwa ungalindeli ukwanda okukhawulezayo ekuhlawuleleni iqoqo. Xa ukuqokelela kwirekhodi yakho yeekhredithi, kubangelwa kumanqaku akho okwekhredithi kuze kube yilapho umlinganiselo wexesha lokubhengezwa ngetyala lisebenza. Kukho okunye ukuqokelela ngaphantsi kweedola ezili-100, kodwa kuphela ngeemodeli ezitsha zokuthenga iingxowa-mali ezingenakuziphulaphula izi xabiso eziqokelelwayo eziphantsi.
I-Bad Credit Score ibonisa ukuba awusoze wamukelwa nayiphi na into
Umlinganiselo ombi wekhredithi wenza kube nzima ukufumana imvume, kodwa akuyena kuphela umbandela ababolekisi nababolekisi abayicinga xa bavavanya ukuthenga ngetyala lakho. Ingeniso kunye nenqanaba lamatyala ezinye izinto ezidlala indima. Unokuvunyelwa nangona amanqaku amanqaku emboleko, kodwa kufuneka uhlawule idiphozi yokukhusela okanye inzala ephezulu.
Kuya kuthatha iminyaka esixhenxe ukuphucula umvuzo ongekho mvuzo
Uninzi lwengcaciso engalunganga luhlala kwingxelo yakho yekredithi iminyaka eyisixhenxe, kodwa njengengcaciso engafanelekanga iminyaka, ichaphazela i-credit yakho engenamlinganiselo. Unokuphucula umvuzo wakho weekhredithi phambi kokuba ama-akhawunti angalunganga aphule xa wenza iintlawulo ezifike ngexesha kwaye ugcine inqanaba elifanelekileyo letyala eliya phambili.
Ukuphikisa i-Akhawunti Kuya kunceda i-Akhawunti yakho yeMboleko Unokuphikisa ulwazi lweengxelo zemboleko okholelwa ukuba alungile, kodwa oko akuqinisekisi ukuba ulwazi luya kususwa. Kwaye, ukuba ingxabano yakho ibuyiselwe kukuthanda kwakho, akukho siqinisekiso sokuthi umlinganiselo wakho wekhredithi uza kunyuka.
Ukufaka isicelo seNTSHOLONGWANE ENTSHA Kuya kuphazamisa amanqaku akho kwiNgxelo
Imibuzo eyenziwe xa ufaka isicelo sekhredithi entsha i-10% yemali yekredithi. Imibuzo ingalimaza amanqaku akho kwirejista, kodwa umphumo ochanekileyo kumlinganiselo wakho wekhredithi kuxhomekeke kuzo zonke ezinye iinkcukacha kumanqaku akho. Kungenzeka ukuba umlinganiselo wakho wekhredithi awukwazi ukuhamba konke emva kokuba wenze isicelo sesikweletu.
Kufuneka Uhambe Ematyaleni Ukwakha I-Good Score Score
Kufuneka usebenzise iimveliso zemboleko ekwakheni amanqaku omvuzo wesikolo. Oku kungenza kube lula njengokuvula ikhadi lekhredithi, ukuhlawula imali encinci nganye nyanga, uhlawule rhoqo ngenyanga. Awunayo - kwaye akufanelekanga - ukudala ityala elingakumbi kunokuba unako ukukwazi ukukwakha amanqaku amatyala .
Kufuneka Uhambe Ematyaleni Ukwakha I-Good Score Score
Unokufumana kuphela ingxelo yekhredithi yamahhala kule ndawo ephakathi. Amanqaku akho ekhredithi awafakiwe. Kukho ezinye iinkonzo ezinikezela izikolo zekhredithi zamahhala , njengeCredit Karma ngomzekelo. Abanye abakhupha amakhadi ekhredithi baye baqala ukufaka amanqaku ekhredithi kwiitatimenti zekhadi zenyanga zekredithi.
Ukungabi Naluphi na amatyala Ukuthetha ukuba Unayo iCredit Score Score
Inqanaba lakho letyala liyinto ebalulekileyo kumanqaku akho ekhredithi, kodwa ivela kwesibini kwimbali yokuhlawula. Ukuba uhlawule ityala lakho emva kwekhredithi engalunganga, kungathatha inyanga eziliqela, iminyaka yee-even, ukwenzela ukuba umlinganiselo wakho wekhredithi uhlawule. Yaye ukuba ungekhredithi ngenxa ye-bankruptcy, ngoko unomthwalo wokubhankanya i-bankruptcy enomyinge kumanqaku akho .
Kuphela Kufuneka Uhlolisise Ikhredithi Yakho Yesikweletu Ukuba Unesikolo Esibi okanye Uza Kufaka isicelo seMboleko
Bonke abathengi bafanele bahlole izikolo zabo zemali kunye neengxelo zemali-mboleko ngexesha elizeleyo kunyaka - elinye ixesha ubuncinci - ukuqinisekisa ubungqina babo bezempilo. Ukubeka esweni isithuba sakho sekhredithi ubuncinane kukuvumela ukuba uqinisekise ukuba ulawula i-credit yakho kakuhle.