Yintoni iCredit Score?
Umlinganiselo wakho wekhredithi yinani elilinganisa ukuthenga ngetyala lakho. Isekelwe kwingcaciso kwingxelo yakho yekhredithi, equka irekhodi lekhadi lakho lekhredithi kunye nembali yemboleko.
Umlinganiselo ophezulu wekhredithi onokuyifumana uxho mekeke kumzekelo wokuthenga umboleko weentengo esetyenzisiweyo.
Amanqaku ahlukeneyo aMatyala amaninzi
Olunye uhlobo lwamanqaku ekhredithi ngumlinganiselo weFICO . Umlinganiselo ophezulu we-FICO ngu-850 (ubuncinci 300). Kukho amanye amanqaku eebredithi, ukusuka kwi-credit bureau kunye namanye amaqela angaphandle. Ukuba uthenge enye yale miqaku, umniki-mgca uya kunika umlinganiselo wale nqanaba. (Ezi zihlandlo zivame ukulinganisa amanqaku eFICO, nge-850)
Ukuba unomlinganiselo omncinci wesikweletu unqabile kakhulu. Ngokutsho kwe-FICO, kuphela abantu abangama-25% abanomlinganiselo wokuthenga ngetyala banomlinganiselo ophezulu we-FICO kunama-785, kunye nepesenti ezincinci zabantu banomlinganiselo ophezulu we-FICO.
Kubaluleke Kangakanani Ubungakanani beeNgxelo zeNgxowa-mali
Inzuzo yokufumana amanqaku amatyala amaninzi kukufumana amaxabiso angaphantsi-mali kumakhadi-mboleko kunye nemali-mboleko kwaye wenze kube lula ukuba izicelo zakho zivunywe. Unokwenza oku ngaphandle kokufumana amanqaku aphezulu emali.
Zama iqela le-FICO ngaphaya kwe-720. Iziphumo ezingaphezu kwe-720 zithathwa njengeziqulathe kwaye ziza kukuvumela ukuba uhlale ufumana izibonelelo zamanqaku aphezulu.
Kwakhona, khumbula ukuba ababolekisi nababolekisi baqwalasela ngaphezu kwekhadi lakho lekhredithi xa bavavanya izicelo zakho. Baya kujonga kwakhona isixa semali enayo kunye nengeniso yakho.
Unokuphikiswa ngenxa yeemveliso ezithile zeentengo zemboleko, nangona unomvuzo omkhulu wesikweletu, ukuba unetyala elininzi okanye awuyi kuyenza imali eyaneleyo yomyinge wesikolodo okanye imali oyimali oyicelayo.
Nangona ufezekisa amanqaku amanqaku aphezulu kumatyala ngexesha elinye, akuthethi ukuba uya kuhlala ufumana amanqaku atyala apheleleyo. Amanqaku akho ekhredithi kaninzi atshintsha njengoko ulwazi malunga neengxelo zesikweletu sakho luguquka. Kuqhelekile ukuba izikolo zamatyala zizuze okanye zilahlekelwe ngamanqaku ukusuka ngolunye usuku ukuya kwesilandelayo. Utshintsho kwibhalansi yakho, umda weentengo, umlando wokuhlawula, kunye neengxelo, nokuba utshintsho kwi-score score algorithm lunokuchaphazela amanqaku akho.
Oko Kufuneka Ukufumana Amanqaku Aphezulu Kwimali
Kukho izinto ezimbalwa onokuzenza ukuze ufumane umgangatho ophezulu wekhredithi. Bhatala iibhokhwe zakho ngexesha nganye nyanga, nakwazo ezingabhalwanga kwingxelo yakho yekhredithi. Gwema ukuba netyala elininzi kunye nama-akhawunti amaninzi amaninzi. Gcina izicelo zakho zeebhanki ubuncinci, ubuncinane ngaphantsi kwe-7% yomda wesikweletu.
Ngo-Oktobha 2012, u-FICO wanikela iinkcukacha malunga nemikhwa embalwa yokuphumelela okukhulu-abathengi abaneziphumo ze-FICO ngaphezulu kwe-785. Aba bantu banalo:
- Umyinge wee-akhawunti ezixhenxe, zivule kwaye zivaliwe
- Umyinge weengxelo ezine ezineemali
- Abaninzi banemivuzo engaphantsi kwama-8 500 ee-akhawunti kwiingxelo ezingekho phantsi kwemali
- I-95% ayizange ihlawulwe iintlawulo kwiingxelo zabo zemali. Ngaphantsi kwe-1% ine-akhawunti okwangoku idlulileyo ngenxa
- I-1 kwi-100 ineqoqo kwi-akhawunti yabo, kwaye i-1 kwi-9,000 ine-bankruptcy okanye irhafu yerhafu
- Umyinge wabo weminyaka yobudala bekhredithi yiminyaka eyi-11. I-akhawunti endala yavulwa iminyaka engama-25 edlulileyo.
Umlinganiselo ophezulu ophezulu wekhredithi ulungele ukuwufuna, kodwa kulungile ukuba "ulungele" kumgangatho ophezulu kakhulu wekhredithi. Ukuba umlinganiselo wakho wekhredithi udinga uncedo, sebenzisa ixesha lokuhlaziya ingxelo yakho yekhredithi kunye nokuhlanganisa isicwangciso sokuphucula amanqaku akho .