Ngo-Matshi 2008, wenza ukuba kwenzeke.
I-CreditKarma.com ye-Free Credit Score kunye neNgxelo yeMboleko
I-CreditKarma.com ikuvumela ukuba ufumane amanqaku okuthenga ngetyala kunye neengxelo zemboleko ngokungekho nto inyanzelekileyo. Akudingeki ukuba ufake inombolo yekhadi lesikweletu okanye ubhalisele kwinkonzo yokujonga ngetyala. Amanqaku okuthenga ngetyala kunye neengxelo zemboleko zikhululekile (isayithi yenza imali ngeentengiso). Ndiyisebenzise iminyaka emininzi kwaye ndizange ndihlawule nantoni na ukuba ndiyibukele ngetyala lam.
Ukuba ungumtsha kwiKharma Karma, ungasayina ukuze ufumane umvuzo wekhredithi wamahhala engaphantsi kwemizuzu emibini. Emva kokuba ubhalise, ungaqhubeka nokujonga ingxelo yakho yekhredithi kunye namanqaku ekhredithi mahhala imihla ngemihla. Amanqaku akho ekhredithi ahlaziywa imihla ngemihla kwaye ingxelo yengxelo yemboleko ivuselelwe ngeveki.
Inqaku elilodwa kwi-Credit Karma yamahhala amanqaku kukuba akuyena umlinganiselo we-FICO, owona osetyenziswa kakhulu ngababoleki. Nangona akuyena umlinganiselo wakho weFICO , ikunika umfanekiso wesimo sakho sekhredithi ngokusekelwe kwiiNgxelo zakho zeTransUnion kunye ne-Equifax.
Into ekhoyo engekho yile ingxelo yeNgxowa-mali ye-Experian (ubona ingxelo yakho ye-Experian credit kunye namanqaku mahhala nge-CreditSesame.com). Ukususela ngo-2008, iKharma yeKharma iye yandise iinkonzo zazo ukubandakanya ukubeka iliso kwansuku zonke, i- VantageScore , kunye ne-Auto Insurance Score. Zonke ezo nkonzo zikhululekile.
Ikhredithi yeKharma yeMatriki yeSimulator
Isimementi esisetyenzisiweyo esikuxelela indlela izenzo ezithile ezichaphazela ngayo amanqaku akho. Ucinga malunga nokufaka isicelo kwikharityhulam entsha ? I-Credit Karma iya kukuxelela indlela uphando olongezelelweyo luya kuthintela ngayo amanqaku akho. Ukuhlawula ibhalansi yekhadi lesikweletu ? Jonga ukuba amanqaku akho ekhredithi aya kunyuka kangakanani.
Umfanisi uya kukuvumela ukuba ukhethe phakathi kwezenzo ezithandwa kakhulu kunye nemingcele yemboleko , iintlawulo, kunye neerekhodi zoluntu ukuze ubone ukuba ngaba umlinganiselo wakho wekhredithi uza kunyuka okanye wehla. Ukuthelekiswa kwamanqaku okuthenga ngetyala kukuvumela ukuba uqhathanise umlinganiselo wakho wekhredithi kwabanye abathengi kwiindawo ezifanayo.
Ikhadi leNgxelo yeMboleko
I-Credit Report Report iKhadi ikunika ibakala le-AF enobumba kule mimandla elandelayo: Ngokubanzi, Ukusetyenziswa, iiNtlawulo ze-On-Time, Umyinge wama-Akhawunti aVulekileyo, iiAkhawunti eziNinzi, iiNgxelo ezinzima kunye neMarogatory Marks. La mabakala anokukunceda uhlolisise iindawo, ukuba zikhona, ezilimaza amanqaku akho. Ukuba usebenza ukuphucula umlinganiselo wakho wekhredithi, uyazi ukuba yintoni na indawo ekujoliswe kuyo.
Olunye ulwazi lweMboleko
Ukongeza kwenkcazelo yemaphu yesikweletu, unokufumana iinkcukacha malunga neakhawunti zakho zeetyala , kubandakanywa nemali yakho ibhalansi yanda okanye iyancipha ukusuka ekuhlaziyeni kwakho kokugqibela.
I-Karma yeMboleko inokuphinda icebise amakhadi enkonzo yemali-mboleko enokuthi uvumeleke ukuba ivunyiwe ngokusekelwe kwi-credit stand. Abanye abasebenzisi beKharma baKharityhulam abaye bafaka izicelo kula makhadi a matyala abhalisa amanqaku abo ematyala kunye nokuba ngaba avunyelwe. Le ngcaciso ikunika
Okukwintsusa
Ukususela ekubeni ndiqalise ukusebenzisa i-Credit Karma ngo-2008, iguqukile kwiwebhusayithi ukujonga amanqaku okuthenga ngetyala kwisixhobo sokukunceda ukuphucula ikhredithi yakho kwaye uhlole ityala lakho. Ikhululekile kwaye ulwazi luncedo. Akukho sizathu sokungasebenzisi iCredit Karma. Xa u tyelela isayithi, qiniseka ukuba uthayiphe i-URL ngokuchanekileyo. Khangela ishiyekhi kufuphi ne-URL phezulu kwesiphequluli sakho kwaye khangela ukuba i-URL iqala ngo "http s : //". I-"s" nguphawu lwakho lokuba u tyelela iwebhusayithi ekhuselekileyo.