Ukuqokelelwa kwetyala lidlulileyo ngenxa yeakhawunti ezokwenza kube nzima kuwe ukuba ufumane imvume yokuthenga iitaliti kunye nemboleko. Ngenye yezona zihlobo ezibi kakhulu ezingenayo kwi- credit report yakho .
Ukuba unayo i-akhawunti yokuqokelela kwingxelo yakho, mhlawumbi ichaphazela amanqaku akho . Oku kuyinyani ngokukodwa kwiiqoqo zakutshanje. Unokuphucula umlinganiselo wakho wekhredithi ngokufumana le akhawunti yokuqokelela isusiwe kwingxelo yakho okanye ubuncinci ukuba babhalelwe ngokuthi "Ukuhlawulwa" okanye "Okwangoku."
Ngaphambi kokuba uhlawule i- akhawunti yokuqokelela , qalisa uxoxisana nomqokeleli wetyala ukuba ingxelo yakho yekredithi ihlaziywe kwizinto ezilungileyo. Isimo esisodwa esingamkelekanga ukuhlawulela ukuqokelela ngaphandle kokuba neyona nto iboniswe kwingxelo yakho yekhredithi.
Nazi ezinye iimeko zokuhlawulwa kunye neziphumo, ezidweliswe kwizinto ezintle zokuba zingcono (kodwa ziyamkeleka).
Efanelekileyo - Yisuswe kunye Nendawo yokuhlala
Uxoxisane nomqokeleli wetyala ukuba i-akhawunti isuswe kwingxelo yakho yekhredithi ngokutshintshela intlawulo. Thumela isicelo esibhaliweyo (umrhumo wencwadi yokucima) kumqokeleli onikezela intlawulo yokuhlawula ukuba umqokeleli ususa i-akhawunti kwiingxelo zekredithi. Inkokhelo yokuhlawula ixabiso lemali elingaphantsi kwepesenti efunekayo. Ngaphezulu xa uzimisele ukuhlawula, kunokwenzeka ukuba umqokeleli wetyala uya kusebenza nawe. Lindela impendulo ebhaliweyo evela kumqokeleli ngaphambi kokuthatha nayiphi na inyathelo.
Ukuba ukhetha, ungaqhagamshelana nomqokeleli ngefowuni uxoxisane nomvuzo wokucima. Nangona kunjalo, usengozini ukuthetha into ethile kumqokeleli ohambisa uxanduva okanye uxanduva lwetyala. Awufuni ukwenza oku ukuba ungekho okanye uphawule ukuphelelwa yisikhathi kwemimiselo yemingcele . Nangona ukhetha ukuxoxisana ngefowuni, usadingeka ukuba ube nesivumelwano ngokubhaliweyo.
Yenza i-imeyile yomqokeleli okanye uthumele ngefeksi incwadi kuquka nemimiselo yesivumelwano ngaphambi kokuba wenze intlawulo.
Khumbula, abaqokeleli beetyala akudingeki basuse ukungena okuchanekileyo kwingxelo yakho yekhredithi.
Into elandelayo engcono - Yifake isuswe ngeNtlawulo epheleleyo
Uninzi lwabaqokeleli bafuna inkokhelo ngokupheleleyo kwaye abayi kususa i-akhawunti kwingxelo yakho yekhredithi yokuhlawulwa kwemali. Xa kunjalo, yenza isibonelelo sokuhlawula i-akhawunti ngokupheleleyo ngokuchitshintshela umqokeleli ukususa i-akhawunti kwingxelo yakho yekhredithi. Kwakhona, thumela isicelo sakho ngokubhaliweyo uze ulinde de ukuba umqokeleli aphendule ebhaliweyo ngaphambi kokuba enze intlawulo .
Akunjalo, kodwa kunjalo - Kuhleliwe, Kodwa kubikwa njengokuba kukhokhelwa ngokupheleleyo
Ngokufanelekileyo, ufuna ukuba ukungena kususwe ngokupheleleyo kwingxelo yakho yekredithi. Ngelishwa, akubona bonke abaqokeleli abakulungele ukwenza oku kwintengiso yokuhlawula. Ukuba awukwazi ukuba ungenayo isuswe ngokupheleleyo, kufuneka uhlaziywe njenge "Ukuhlawulwa ngokupheleleyo." Ukunikezela umqokeleli intlawulo yokuhlawula i-% ngaphantsi kwexabiso elipheleleyo. Fumana umqokeleli ukuba avume ukuhlaziya i-akhawunti njenge "Ukuhlawulwa ngokupheleleyo." Isivumelwano kufuneka sibhalwe phantsi.
Yamkeleka - ihleliwe, kodwa ivakaliswe njenge-Settled
Hlela i-akhawunti kunye nomqokeleli kwaye wamkele ukuhlaziywa "kweentlawulo.
Gcinwa. "Gcina ukhumbule ukuba ukungena okukuyo kwingxelo yakho yebhanki akuyi kukhulisa amanqaku akho " Ukuhlawulwa ngokupheleleyo. "Ukuba ufuna i-akhawunti yakho ithi" Uhlawulwe ngokugcwele "kodwa awukwazi ukufumana umqokeleli ukwenza oko ukuhlawula, ngoko uhlawule iakhawunti ngokupheleleyo.
Uyamkeleka - hlawula ngokupheleleyo
Akukho nto ephosakeleyo ngokuhlawula imali epheleleyo yeqokelela letyala olinetyala. Kucacile ukuba awuzange uhlawule iqoqo engekho yakho. Ukuba awukhumbuli ityala, landela amanyathelo enkqubo yokuqinisekiswa kwetyala ukuba umqokeleli akuthumelele ubungqina bokuba ityala lakho lenu. Emva koko, xa unelisekile ukuba ngowakho, ungathumela intlawulo yemali epheleleyo yetyala.
Emva kokuhlawula iqoqo , fayili yakho ubungqina bentlawulo. Gcina ingxelo yakho yekhredithi ukuqinisekisa ukuba umqokeleli uhlaziya i-akhawunti njengoko ihlawulwe.
Ukuba umqokeleli akahlaziyi i-akhawunti, phikisa i-akhawunti kunye ne- bureau ye-credit , ukubonelela ngenkokhelo yentlawulo xa kuyimfuneko.