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Akunzima ukufumana iwebhsayithi ethembisa umvuzo wesikratshi samahhala. Kunzima ukufumana i-website ekunika umlinganiselo wesikweletu sangempela ngaphandle kokucela inombolo yakho yekhadi lesikweletu. Uninzi lwamaziko amanqaku ekhredithi avulekileyo anesigxina apho akukhanga khona ngezithembiso zemivuzo yekhredithi yamahhala. Kodwa, ukuze ufumane loo nqanaba, kufuna ukuba ubhalisele ukubhaliselwa kweesilingo kwinkonzo yokujonga ngetyala .

Ukubanjwa kukuba uhlawuliswa ukubhalisa ukuba awuyikukhansela kwisithuba esithile, ngokuqhelekileyo iintsuku ezisixhenxe.

Akufanele ufune ukuyeka inombolo yakho yekhadi lesikwelethi into enokuthi ikhululeke-kwaye akudingeki. Kukho iindlela ezimbalwa onokufumana umvuzo wesikweledu samahhala ngaphandle kokufaka inombolo yakho yekhadi lesikweletu.

IiSayithi ezinezikolo eziMahla

I-CreditKarma.com inikezela ngamanqaku akho ekhredithi ekhululekile ngokusekelwe kwingxelo yakho yeTransUnion . Bongeza kwakhona i- VantageScore yakho kunye nenqaku le- inshorensi , kungabi neendleko ezongezelelweyo. Ngelixa unokucelwa inombolo yakho yokhuseleko yoluntu kunye nolunye ulwazi oluchonga, awuyi kucelwa ukuba unike inombolo yakho yekhadi lesikweletu. Eyona nto ingcono kakhulu, unokujonga ubungakanani bakho bekhredithi imihla ngemihla ukuba ufuna.

I-Quizzle.com ikuvumela ukuba ujonge i-Experian yakho yamanqaku esikhokhwayo kunye neengxelo zekhredithi mahhala, akukho khadi lekhredithi elifunekayo. Ngelixa unako ukufikelela kwisikolo sakho sekhredithi samahhala kwaye uchaze nge-Quizzle nanini na, le mibini iya kuhlaziywa rhoqo emva kweenyanga ezintandathu.

Injongo ye-CreditSesame.com kukukuxhoma kunye neentlobo zokunciphisa iintlawulo zakho ngeetyala kunye nokuchithwa kwekhadi lokuthenga ngemali. Amanqaku akho ekhredithi-mali ayingxenye yerhwebo kwaye akudingeki ukuba unikezele ngolwazi lwekhadi lakho lekhredithi ukuze ulifumane.

Okufunekayo kwiMpawu zokuThengwa kweMboleko

Unokwazi ngomthetho ofuna i- credit bureaus ukunika bonke abathengi ikopi yeengxelo zabo zemali zonyaka .

Lo myalelo, ngelanga, awunikezi abathengi ukufikelela kwizikolo zabo zemali. Kodwa, kukho omnye umthetho onika abanye abathengi ngamanqaku okuthenga ngetyala, kodwa emva kokuba benze isicelo esisekelwe kwi-credit.

Umthetho omtsha wokuthengisa umthengiso wamatyala udinga ukuba amabhanki anike umvuzo wesikolo-mali samahhala kubafaki-sicelo abaphikisiwe okanye bavunyiwe ngokwemigqaliselo encinci ngenxa yekhredithi yabo. Akunakufuneka wenze nantoni na ukufumana le phawu lekhredithi. Kuthumela ngokuzenzekelayo ngokusekelwe kwisigqibo somboleki.

Ngelishwa, kukho amaxesha apho awuzukufumana le nqanaba lekhredithi yehhafu, nangona uphikisiwe. Ngokomzekelo, amabhanki akufuneki ukuba athumele amanqaku okuthenga ngetyala ngemali xa usebenzisa i-credit card amanqaku kunye neenkampani zomshuwalense akudingeki ukuba achaze amanqaku asekelwe kwi-credit asetyenziselwa ukunika i-premium yakho ye-inshorensi.

Ayikho iqhinga leFICO

Impendulo yeengxelo zemali zekhredithi yamahhala kukuba ukuba amanqaku angeke abe ngumlinganiselo weFICO , amanqaku aqhelekileyo asetyenziswa ngababoleki. I-Karma yeMboleko, i-Quizzle, kunye neSesh Sesame yonke inika inguqu ye-credit bureau ye- credit score , oko kukuthi umlinganiselo we- FAKO . La manqaku ahlukahluka komnye kunye kwaye ahluke kumlinganiselo wakho we-FICO ngokusekelwe kwirekhodi ye-credit bureau.

Unokufumana isikolo samahhala se-FICO kunye nekripthi yokubhengezwa kwamatyala, kodwa oko kuphela ukuba ibhanki isebenzisa amanqaku eFICO ekwenzeni isigqibo.

Ngaphandle koko, uya kufumana enye amanqaku, kodwa kuya kuba ngamanqaku okwenyani ebhanki asetyenziswayo, kunokuba amanqaku emfundo.