Abantu abaninzi benza impazamo yokucinga ukuba ukuvala ikhadi lekhredithi liya kususa kwingxelo yabo yekhredithi. Kuphela, akunjalo. Ingxelo yakho yekhredithi inikeza umfanekiso opheleleyo wembali yakho yematyala kwaye oko kuthetha ukubika ingxelo zombini evulekileyo nevuliwe. Kukho mhlawumbi ezinye iindaba ezilungileyo ukuba unethemba lokuba i-akhawunti evalelwe ekugqibeleni ilahleka kwingxelo yakho yekhredithi.
Yintoni eyenzekayo Xa Uvala iKhadi leMboleko
Xa uvala ikhadi lekhredithi, akuyi kuhlawula ingxelo yakho yesikweletu kwangoko.
Ukuba usenza iintlawulo zenyanga nganye kwibhalansi yekhadi lesikweletu, umlando wakho wokuhlawula uya kuqhubeka uhlaziywa inyanga nganye de ihlawulwe imali kwaye umniki wekhadi lesikweletu uyayeka ukuthumela ukuhlaziywa kwenyanga. Naliphi na intlawulo emva kweentsuku ezingama-30 okanye ngaphezulu kuya kuhlaziywa kwingxelo yakho yekredithi kwaye ifakwe kumanqaku akho ekhredithi .
Xa i-akhawunti ihlawulwa, ayifuni i-credit report yakho. Endaweni yoko, ingxelo yakho yekhredithi iya kuhlaziywa ukubonisa ibhalansi ye-akhawunti.
Ubume beakhawunti yekhadi lesikweletu elivaliweyo liya kubikwa njengevaliwe, nangona usakwenza iintlawulo kwi-balance. Ubume bungabonisa ukuba i-akhawunti ivaliwe nguwe, umnikazi wekhadi, okanye umniki-khadi umniki-mboleko, kuxhomekeke kuloluphi uvale i-akhawunti. I-akhawunti evaliweyo iya kuba nefuthe elifanayo kwi-credit yakho, kungakhathaliseki ukuba ngubani ovale i-akhawunti. Ukuba i-akhawunti yakho ivaliwe ngokugqwetha, njengexesha lokugqibela kweentsuku ezingama-90 okanye ukuhlawuliswa, eziza kubonisa kwingxelo yakho ye-credit, nayo.
Ixesha elide iAkhawunti eViweyo ihlala kwiNgxelo yakho yeMboleko
Ubude bexesha elide lekhadi lekhredithi elivaliweyo kwingxelo yakho yemali kuxhomekeke ekubeni i-akhawunti ivalwe ngokuma kakuhle. I-akhawunti evaliweyo engavumelekanga, njengekhadi lekhredithi elihlawulisiweyo, liya kuhlala kwi-credit report yakho iminyaka eyisixhenxe. Lelo lixa elona likhulu lexesha elininzi ulwazi olubi lingabandakanywa kwingxelo yakho yekhredithi.
Ukuba i-akhawunti yakho ivaliwe ngokuma kakuhle, akukho myalelo ofuna ukuba isuswe kwingxelo yakho yekredithi ngexesha elithile. Ingakwazi ukuhlala kwingxelo yakho yekhredithi ngokungapheliyo, kodwa iya kususwa emva kweminyaka elishumi emva kokuba ivaliwe ngokusekelwe kwizikhokelo ze-credit bureau zokubika i-akhawunti ezivaliweyo.
Akuyona into embi ukuba i-akhawunti evaliweyo isala kwi-credit report yakho, kuxhomekeka kwindlela ibhalansi kunye nesimo se-akhawunti. Iingxelo ezivaliweyo ngokuqhelekileyo zenzakalisa amanqaku akho ekhredithi xa unesimo se-akhawunti esibi okanye ibhalansi ephezulu yekhadi lesikweletu. I-akhawunti ivalwe ngokuma kakuhle , nangona kunjalo, inokuba nempembelelo emihle kumanqaku akho ekhredithi ngokude nje ukuba i-akhawunti ifakwe kwingxelo yakho yekhredithi.
Unokufuna ukuhlawula ingxelo yakho yekredenti kuwo onke ama-akhawunti avaliweyo, kodwa unokuba nolwazi oluchanekileyo okanye oludlulileyo olukhutshwe kwingxelo yakho yekredithi. Ukuba oku kuyinyaniso kwii-akhawunti zakho ezivaliweyo, ngenisa impikiswano kunye ne-bureaus ye-credit ukuze i-akhawunti isuswe kwingxelo yakho yekredithi.