Amanqaku akho ekhredithi yinani elinamandla elichaphazela ubomi bakho ngoku nakwixesha elizayo, ngeendlela onokucinga ngazo. Amanqaku akho anquma amaxabiso enzala oyihlawula ngamakhadi-mboleko kunye nemali-mboleko, kwaye unceda abanini-mboleko ukuba banokuthi bafumaneke ukuba bavunyelwe loo makhadi amakhadi kunye neemboleko kwindawo yokuqala.
Amashishini angalindelekanga, afana neenkampani zomshuwalense, sele aqalise ukusebenzisa amanqaku akho ekhredithi ukwenza izigqibo ngawe. Iinkampani zenkampani zikhangele ikhredithi yakho ngaphambi kokuseka inkonzo entsha egameni lakho, kwaye abanye abaqeshi baqwalasela imbali yakho yematyala (kodwa kungekhona umlinganiselo wakho wekredithi) ukugqiba ukuba unokunika umsebenzi, ukuphakanyiswa okanye ukunyuswa.
Ukukhusela nokwakha i-credit yakho kubaluleke kunanini ngaphambili, kwaye indlela ojongene ngayo le miba mihlanu inokuyenza yonke impazamo ekunqumeni umlinganiselo wakho wekhredithi.
01 Ibhili Yakho Yentlawulo yeMbali
Imbali yokuhlawula inquma ipesenti ezingama-35 zemali yakho yekhredithi. Enyanisweni, ukuba uhlawule ngexesha elifanelekileyo ngexesha lakho lokuhlawula iithintelo zakho kumanqaku akho okwekhredithi ngaphezu kweyiphi na into. Imiba eninzi yokuhlawula, njengento yokuhlawula imali, ukuqokelela, ukutshatyalaliswa kwemali, ukuhlaziywa, izibambiso zerhafu okanye ukuchithwa kwemali kungonakalisa amanqaku akho okwenza i-credit, okwenza kube nzima ukuba ufumane imvume yinto efuna i-credit.
Into engcono kakhulu ongayenza kumanqaku akho ekhredithi kukuba wenze iintlawulo zakho ngexesha ngalinye ngenyanga.
02 Amanqaku akho Amanqaku amatyala
Inqanaba lakho lamatyala linquma iipesenti ezingama-30 zemali yakho yemali. Ukubalwa kwamanani okuthenga ngetyala, njengenqaku le-FICO, jonga izinto ezimbalwa eziphambili ezinxulumene namatyala akho. Isixa salo lonke ityala ophetheyo, umyinge wemilinganiselo yekhadi lakho lesikweledu kumlinganiselo wakho wesikweletu (obizwa ngokuba yi- credit use ), kunye nolwalamano lwemali yakho yemali mboleko kwixabiso lemali-mboleko yangaphambili.
Njengesikhokelo, kufuneka ugcine ukusetyenziswa kwekhadi lakho lesikweletu ngamaphesenti angama-30 okanye ngaphantsi, oku kuthetha ukuhlawulwa ukuya kuma-30 ekhulwini kwanoma imaphi umda okhoyo.
Ukuba nezikali eziphezulu okanye amatyala amaninzi kunokuchaphazela kakhulu amanqaku akho. Iindaba ezilungileyo kukuba umlinganiselo wakho wekhredithi unokuphucula ngokukhawuleza njengoko uhlawula izikolo zakho.
03 Imbali yakho yeMbali yobudala
Ingakanani i-akhawunti yakho yekredithi endala? Ubudala bekhredithi ngamaphesenti ama-15 emanqaku akho okuthenga ngetyala kwaye ubona ubudala be-akhawunti yakho endala kunye nobudala beminyaka yakho yonke. Ukuba nexesha elidala "credit" lilungele amanqaku akho ekwereta ngoba ibonisa ukuba unamava amaninzi okuphatha iitaliti. Ukuvula ii-akhawunti ezintsha okanye ukuvala ama-akhawunti akhona kunokunciphisa umyinge wakho weminyaka. Ngenxa yeso sizathu, akuyiyo ingcamango efanelekileyo yokuvula ii-akhawunti ezininzi ngokukhawuleza.
Iintlobo zeTyala kwiNgxelo yakho
Iintlobo ezimbini ezibalulekileyo zeakhawunti zekredithi zikhoyo: iiakhawunti eziguqukayo kunye neengxowa-mboleko zentengo. Ukuba zombini iintlobo zeeakhawunti kwingxelo yakho yekhredithi ibhetele kumaphulo akho ekhredithi kuba ibonisa ukuba unamava okulawula iintlobo ezahlukeneyo zemboleko.
Kungcono nokuba unemali-mboleko yeentlobo ezahlukeneyo zeempahla, njengemoto okanye ikhaya, ngokungekho kumakhadi wesikweletu, mhlawumbi umfundi okanye umboleko wakho. uhlobo oluthile lwekhredithi, njengemboleko yemali yesitolimende, ayiyi kutshabalalisa amanqaku akho.
05 Inani leengxelo zeNgxowa-mali
Njalo xa ufaka isicelo esifuna ukukhangela ingxowa-mboleko, uphando lubekwe kwingxelo yakho yebhanki ebonisa ukuba wenze isicelo esisekelwe kwi-credit. Imibuzo yenza iipesenti ezili-10 zemali yakho yekhredithi. Enye okanye emibini imibuzo ayiyi kubuhlungu kakhulu, kodwa imibuzo emininzi, ingakumbi ngexesha elifutshane, inokubhatala amanqaku amanqaku eFICO. Gcina izicelo zakho ubuncinci ukugcina amanqaku akho.
Iindaba ezilungileyo kukuba yimibuzo kuphela eyenziwe kwiinyanga ezili-12 zokugqibela kwi-credit score. Imibuzo iphela ngokupheleleyo kwingxelo yakho yekredithi emva kweenyanga ezingama-24.
Qaphela ukuba ukujonga ingxelo yakho yekredithi kubangele uphenyo "oluthambileyo" , olungathinteli umlinganiselo wakho wekhredithi.
06 Izinto ezingayithinti iNgxowa-mali yakho
Ezinye izinto zivame ukucinga ukuba zichaphazela umlinganiselo wakho wekhredithi, kodwa ayenzi ngokuthe ngqo. Ulwazi olunjengemali engenayo, izilinganiso zebhanki, kunye nemeko yengqesho inokuchaphazela ukukwazi kwakho ukufumana imvume, kodwa ayenzi ngokwenene kwi-algorithm ebala amanqaku ekhredithi. Ubudala, isimo somtshato, kunye ne-debit okanye ukusetyenziswa kwekhadi lokubhadela kwangaphambili akuchaphazeli umlinganiselo wakho wekhredithi.