Ukulawula iindleko kunye nokuphepha ukuhlawulwa kwetyala lekhadi lesikweledu ngokuqinisekileyo iinjongo ezincomekayo. Sekunjalo, nangona ucinga ukuba awuyi kufuna iitaliti kwixesha elizayo, oko kungenakwenzeka. Usenokuba usuphule umkhuba wokuhlawula isidlo sesidlo sakusihlwa okanye ukusebenzisa ikhadi lakho lekredithi ukuthenga iindidi ezintsha zeemfesane, kodwa Kunzima ukugcina imali yokuthenga indlu okanye imoto.
Ngoko, i-bankruptcy ithintela njani amanqaku emboleko? Kuxhalabisa ngokusemthethweni. Makhe sibone oko kwenzekayo xa ufaka.
Ziziphi iiFICO izikolo?
Omnye wabathungisi abahamba phambili beempawu zemboleko yinkampani ebizwa ngokuba ngu-Fair Isaac. Izikolo zibalwe ngokusebenzisa amafomula kunye nezilungiso eziqulunqwe yi-Fair Company Inkampani ezibizwa ngokuba yiiFICO. I-formula ka-Isaac inobulungisa inelungelo, oku kuthetha ukuba u-Isaac u-Fair ungumnikazi kwaye akudingeki ukuba anikezele loo ndlela kumntu. Ngenxa yoko, ngamanye amaxesha kunzima ukuchaza okanye ukuqikelela ukuba inkampani ibala njani nawuphi na amanqaku ekhredithi.
I-FICO izikolo zekredithi ziqala ukusuka ngaphantsi kwe-300 ukuya phezulu ukuya kuma-850.
I-Fair Fair Company isebenzisa ulwazi oluqulethwe kwingxelo yakho yekhredithi njengento ebalulekileyo yokubala amanqaku. Ii-arhente ezithathu eziphambili zeengxelo zokuthenga ngetyala, i-Equifax, i-Trans Union kunye ne-Experian, ingenakho ulwazi olufanayo, kwaye ngoko ke, umlinganiselo wakho wekhredithi unokuthi uhluke kwiziko elithile ukuya kwelinye.
Ngokuqhelekileyo, lo mmahluko awukho ngaphezu kwamanqaku ambalwa.
Ukuba u-Isaac onobulungisa ukubala amanqaku okuthenga ngetyala, kufuneka ube ncinane i-akhawunti enye evulekileyo inyanga ezintandathu okanye ngaphezulu, kwaye ubuncinane i-akhawunti echazwe kwi-credit bureau kwiinyanga ezintandathu zokugqibela.
U-Isaac onobuchule usebenzisa iziqendu ezahlukeneyo zeenkcukacha zemboleko, zombini ezingalunganga kunye ezilungileyo, ukubala amanqaku akho. Ngokutsho kwezinto zokwakheka kwenkampani, nakhu iipesenti zolunye uhlobo lwengcaciso luncedisa kumanqaku onke:
- Imbali yokuhlawula: 35%
- Iimali ezihlawulwe: 30%
- Ubude beNkcazo yeMali: 15%
- I-Credit entsha: 10%
- Iintlobo zeTyala kuSebenzisi: 10%
Ukuze ufunde okungakumbi malunga nokokuya ekunqumeni umlinganiselo wakho wekhredithi, jonga ukuba i-My FICO Scores Isilinganiswe njani.
Ezinye iikhampani zithengisa kwaye zinikezela ngeenqaku zemali-mboleko ngokusekelwe kwizibalo zazo, eziyahlukahluka kwezo zisetyenziswa ngu-Fair Isaac.
I-Bankruptcy ichaphazela njani i-Score yakho yeMatyala?
Uninzi lweentlobo zengcaciso engafanelekanga kwingxelo yakho yemboleko ziyakuchukumisa amanqaku akho. Ukuba ukhawuleza ukuhlawula okanye ukweqa iintlawulo, amanqaku akho aya kubonisa oko. Ukuthatha isixa esikhulu sematyala xa kuthelekiswa nomda kulawo ma-akhawunti kunokuba ngumba.
Ngaphambi kokuba ufinyelele kwinqanaba apho ufaka i-bankruptcy, mhlawumbi uye wakufumanisa nzima ukuhlawula rhoqo kwiakhawunti zakho.
Usenokuba uxoxe kakhulu okanye zonke iikhadi lakho lesikweletu. Kungakhathaliseki ukuba imeko iya kubachaphazela kakubi amanqaku ekhredithi.
Kunzima ukuqikelela ngokuqinisekileyo ukuba umlinganiselo wakho wesikweletu uza kwenza ntoni emva kokufumana ukukhutshwa kwebhanki yakho. Kubi kangakanani amanqaku akho ekhredithi xa ifayile ingabonakali inempembelelo enkulu apho uphela khona. Ukuba uqala uphantsi, uza kuphuma kwi-bankruptcy low. Ukuba uqala phezulu, amanqaku akho aya kulahla kakhulu. Kodwa abaninzi abantu baxela ukuba baphela malunga nama-550 njengoko bephuma ekutyaleni, kungakhathaliseki ukuba baqala ngamanqaku aphezulu okanye amanqaku aphezulu.
Ukuchithwa kweNkcazo kunye neZigqibo zeNkxaso zeKamva
Umgca wenkalo yabaninzi, nangona kunjalo, akuyiyo impembelelo yokutsalwa kwebhanki kuya kuba neempembelelo zemboleko. Kuyimpembelelo yokuba ukufakela i-bankruptcy kuya kuba nezigqibo zemboleko kwikamva.
Ngaphandle kwekhredithi yamatyala, ukuba i-bankruptcy ibonakala kwingxelo yemboleko kuyo yonke iya kuqhuba iinqununu ezininzi zezikredenti ngokukhawuleza ukuba kufakwe ukufakwa kwefowuni, okuyiminyaka elishumi.
Kukho iindaba ezilungileyo nethemba lekamva. Abantu abaninzi abafake i-bankruptcy baxela ukuba ukuba baqaphele emzameni yabo yokwakha i-credit yabo, musa ukuthatha i-matyala amaninzi ngokukhawuleza, kwaye uhlawule ngokunyanisekileyo amatyala abo ngexesha ngalinye, kuthatha malunga neminyaka emibini ukuba i-credit yabo amanqaku ukunyuka kwibala "elungileyo".
Emva koko, zifunde ukuba kutheni ukubaluleka kwamanqaku akho okwekhredithi kubalulekile nangona emva kokutshatyalaliswa kwebhanki, kunye namanyathelo ongayenza ukuphucula amanqaku akho.
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