Umlinganiselo wakho wekhredithi ngowona manani obalulekileyo ebomini bakho. La manani a manani amathathu abonisa ukuthenga ngetyala lakho, okanye amathuba okubuyisela imali oyibolekayo. Amanqaku okuthenga ngetyala aphezulu ukusuka kwi-300 ukuya ku-850, kunye neenqaku eziphezulu zekhredithi ezizilungele zonke.
Ukususela ngo-Aprili 2017, ama-20.7 ekhulwini kumaMerika anamanqaku e-FICO angaphezu kwe-800, ngokubhekiselele kwi-data evela kwi-FICO. Oku kwenza irekhodi ephakamileyo yabantu abanamaqaku angaphezulu kweekhredithi ngaphaya kwama-800 kunye ne-correlates ngokuthe ngqo ekuhlaleni amaxabiso okungafani.
Ekubeni imbali yentlawulo yenza iipesenti ezingama-35 ze-credit rating score calculation, kukho ubudlelwane obuqilileyo phakathi kokuba nomlinganiselo wekhredithi ephezulu kunye nexabiso eliphantsi lokuhlawulwa kwexesha.
Izinzuzo ze-800 Score Credit
Ngoko uzuza ntoni ngokufumana amanqaku angama-800? Ngaba le nto kufuneka uyenze? Hlola ezi zintathu izibonelelo zokuba nemanqaku angama-800.
Uvumelekile ukuba izicelo zakho zivunywe . Khumbula ukuba amanqaku ekhredithi abonisa ukuthenga ngetyala lakho. Ngokumalunga nolunye ulwazi lwakho lwezezimali, amanqaku akho ekhredithi anceda abanini-mboleko baqikelele ukuba uya kuhlawula imali oyibolekayo. Ngomlinganiselo ophezulu wesikweletu, ababolekisi bakubona njengomboleki omncinci kancinci kwaye unethuba elingcono lokuvunywa.
Uyakufanelekela ukufumana inzala engaphantsi . Amanqaku akho ekhredithi yinto ebalulekileyo yokumisela kwisantya somdla kwimali-mboleko . Ukufumana amanqaku angama-800 okuthenga ngetyala kuya kukuvumela ukuba ufanele ukufumana inzala engaphantsi kwaye ugcine amawaka eedola ngaphezu koboleko bakho.
Uza kubona impembelelo enkulu kwiimali-mboleko ezinkulu ozibuyisela ixesha elide, njengemali yokubolekwa kwemali kunye nemali mboleko.
Ungakhokheli nzala xa uphethe ibhalansi yekhadi lesikweletu . Kungakhathaliseki ukuba ngamanqaku ekhredithi, wonke umntu unokuphepha ukuhlawula umdlala wekhadi lesikweletu xa ehlawula ibhalansi yekhadi lesikweletu ngokupheleleyo inyanga nganye.
Ukufumana amanqaku angama-800 okuthenga ngetyala kuya kukuvumela ukuba ufaneleke kumakhadi-ngetyala anikezela ngesilinganiso se-0% sokunyusa ukuthenga kunye nokuhanjiswa kwemali. Ukuba nelinye lamakhadi ekwereti kwi-wallet yakho kukunika ukulungelelanisa ukuphatha ibhalansi yekhadi lesikweletu kwaye uyihlawule ixesha elide ngelixa uphepha ukuhlawulwa kweemali kwi-balance.
Iingcebiso zokwakha nokugcina i-800 Ikhredithi yeMatyala
Amanqaku angamakhulu angama-800 akhredithi ayigcinelwe abantu abenza imali eninzi okanye banalo uhlobo oluthile lwelungelo elikhethekileyo kunye neenkundla zemboleko. Nabani na othayatha i-credit yabo ngokufanelekileyo angakwazi ukufikelela nokugcina amanqaku angama-800. Nazi izicwangciso ezimbalwa.
Bhatala yonke into ngexesha . Imbali yakho yentlawulo yenza inxalenye enkulu yamanqaku akho ekwereti. Ingakumbi kwiintlawulo zexesha onayo kwingxelo yakho yekhredithi, bhetele kungenxa yamanqaku akho ekwereta. Bhatala zonke iikhadi lakho lokuthenga ngetyala kunye neengxowa-mboleko ngexesha ukwenzela ukuba imbali yakho yentlawulo ayihlupheki.
Gcina izilinganisi zekhadi lakho lesikweletu liphantsi . Ngokuqhelekileyo, ukugcina izilinganiso ezingaphantsi kweepesenti ezingama-30 zomlinganiselo wesikweletu kuyona nto ibaluleke kakhulu kumanqaku akho. Ukuba ufuna ukufikelela nokugcina amanqaku angama-800, ujonge ukugcina izilinganisi zekhadi lakho lokuthenga ngetyala. Abantu abanokufumana amanqaku angaphezulu kweekredithi basebenzisa ngaphantsi kweepesenti ezili-10 zomlinganiselo wabo wemali.
Kwikhadi lekhredithi elinomlinganiselo wemali oyi-$ 5,000, umzekelo, ukulinganisela kwe-$ 500 okanye ngaphantsi kwimbono yokugcina amanqaku aphezulu emboleko.
Gwema amaninzi amanqaku okuthenga ngetyala . Ngalinye ixesha xa wenza isicelo esifuna ukukhangela ingxowa-mboleko, uphando olunzima lubekwa kwingxelo yakho yekhredithi. Imibuzo enzima iyingama-10 ekhulwini lakho lemali. Akusiyo isixa esikhulu, kodwa ingabahluko phakathi kwe-800 kunye no-780 ngokuxhomekeke kwenye ingcaciso kwingxelo yakho yekhredithi. Xa ulungele ukufaka isicelo semboleko okanye ikhadi lekhredithi, yenza umsebenzi wesikolo sakho ngaphambi kwexesha ukwenzela ukuba ungasetyenziswa kanye kanye kwaye uphephe imibuzo emininzi yematyala.
Jonga i-credit yakho kwaye wenze ngokukhawuleza ukucima iimpazamo . Amanqaku akho ekhredithi nakweyiphi na indawo enikwe ngexesha elisekelwe kwingcaciso kwingxelo yakho yekhredithi ngexesha elo xesha. Oko kuthetha ukuba unokulahlekelwa ngumlinganiselo wakho wekhredithi ophezulu ukuba kukho utshintsho olubalulekileyo kwingxelo yakho yekhredithi, ngokukodwa iimpazamo.
Gcina iliso ngolwazi lwakho lwekhredithi ngokusebenzisa izixhobo ezihlawulelwayo ezihlawulelwayo kunye nohlawulo -CreditKarma.com, CreditSesame.com, WalletHub.com, AnnualCreditReport.com, kunye ne-myFICO.com. Ukuba ubona amaphutha, sebenzisa inkqubo yenkcazo yeengxoxo zemboleko ukuwacoca ngokukhawuleza.
Vumela ulwazi olubi ludlulele kwingxelo yakho yekredithi . Unokuba nobunzima ekufikelelekeni kumanqaku angama-800 okuthenga ngetyala kunye neentlawulo ezikhawulezileyo okanye ezinye izinto ezimbi kwi ingxelo zakho zemali. Ngenhlanhla, ezininzi iintlobo zengcaciso engalunganga ziya kuvela kwingxelo yakho yekredithi emva kweminyaka eyisixhenxe. Ukuba awukwazi ukususa izinto ezimbi ngenxa yokuba zichanekile, mane ube nesineke iminyaka embalwa, qhubeka uhlawula yonke into ngexesha.
Iindaba ezilungileyo kukuba ababolekisi abaninzi bacinga i-760 i-cutoff kwi-credit ephezulu. Ngenqaku lekhredithi ngaphaya kwelo nani, uya kufumana inzuzo efana neyomntu ophethe amanqaku angama-800. Uza kufuneka usebenze kancinci kwaye ulinde ixesha elide ukuba ufuna kwakhona amalungelo okuziqhayisa.