Emva koko, iintlawulo zexesha-ngexesha zihlawulwa ngexesha-akufanelekanga ukuba uhlawula umboleko okanye ugcine umbane. Ngelishwa, ukuhlawula iindleko zakho zesebenzisi akukwazi ukuba nefuthe kwiimpawu zakho zemali zemveli.
Kodwa kukho ezinye izinto ezibalulekileyo:
- Ukuba kukho i-"alternative" yamanqaku okuthenga ngetyala, ezo ntlawulo zinokukunceda ukuba ufumaneke.
- Ukuba uya kulahla emva kweentlawulo zesevisi, i-credit yakho iya kubandezeleka njengokuba i-akhawunti iya kwi-arhente yokuqokelela.
- Imbali yakho yeentlawulo zomsebenzi unokuchaphazela amandla akho okufumana ezinye iinkonzo (ukuba uhamba okanye utshintshe ababoneleli ngeenkonzo, umzekelo).
Eminye imivuzo yeMatyala
Unamanani amaninzi ekrejethi . Umlinganiselo obaluleke kakhulu wekhredithi ngumlinganiselo wekredithi ye - FICO (kwaye unayo amanqaku amanqaku ekhredithi ye-FICO - ubuncinane enye kwi-arhente enkulu yokunika ingxelo ngetyala). Loo mgangatho ukhangela ngokukodwa indlela obuyisele ngayo imali mboleko kwixesha elidlulileyo kunye neprofayili yakho yangoku. Yiyo amanqaku ababolekisi abasebenzisa ngokubaluleka kwemali-mboleko ye-dollar ephezulu njengemali mboleko yasekhaya kunye nemali-mboleko yemigangatho ejwayelekile. Iintlawulo zentsebenzo azange zenziwe kwi-FICO.
Amanqaku eentengo zemali athatha indlela eyahlukileyo.
Imibutho ephuhlisa loo manqaku iyaqaphela ukuba abaninzi abathengi abanalo imbali eyaneleyo yokuboleka ukuba bavelise umlinganiselo wekhredithi ye-FICO. I-arhente yokubika ngetyala ayikwazi ukuba aba bantu bakhona, kodwa baviwa abafanelekileyo ngokufanelekileyo kwimali-mboleko kunye nesevisi yenkonzo.
Laba bantu kunye neentsapho zenza iintlawulo zexesha-mali kwimibutho emininzi nyanga zonke (ngenkonzo yefowuni, intanethi, intambo, umbane, igesi, amanzi, udoti, umququzeleli, ii-HOA, kunye nokunye).
Lezo ntlawulo kufuneka zibalekele into ethile, kwaye amanqaku amatyala amatsha aqikelela indlela yokuchonga abathengi abanoxanduva kunye nokubanceda bafumane iimboleko.
Umngeni ufumana umboleki-mboleko osebenzisa ezo zikolo zenye iikhredithi. Unokulindela abaninzi nababolekisi ukuba benze njalo, kwaye izikolo ze-FICO ziguquke nokuba zibandakanye iintlawulo zesevisi ngexesha elide.
Ukuba awuyi kuhlawula izixhobo zakho
Indlela yesibini ukuba iibill zakho zesebenzayo ziyakuchukumisa izikolo zakho zekhredithi ukuba uyayeka ukuzihlawula. Nangona ezininzi iinkonzo zingalokothi zibike ulwazi oluhle (ukuba uhlale uhlawula ngexesha-umzekelo), baya kubika ulwazi olubi. Xa i-akhawunti yakho iya kwi-arhente yokuqokelela, ityala liya kuxelwa kwi -credit bureaus .
Ezi ngxelo zeqoqo ziwonakalisa lakho i-credit. Ngaphezu koko, bangaba zigwebo zomthetho malunga nawe, ezimbi nakwiimpawu zakho zekhredithi. Ngaphezulu kwayo yonke into, mhlawumbi uya kufuneka uhlawulwe ngemali eyongezelelweyo ngenxa ye-akhawunti yokuqokelela. Oku kungabonakala kungenabulungisa: Ababoneleli benkonzo bangalimaza i-credit yakho ukuba awuyi kuhlawula, kodwa awufumani nayiphi na inzuzo (ngaphandle kwenkonzo enikezelweyo) yokuhlawula iibhokhwe zakho.
Lezo nkampani azidingeki ukuba zilungele kwaye ziqwalasele njengababolekisi-abanakukunika amawaka eedola ukuba ungadlulela-kwaye abafuni ukuthobela iimfuno ze-Fair Credit Reporting Act ( FCRA).
Ngenxa yoko, baya kuvula i-akhawunti yakho kwaye banike iinkonzo, kwaye i-credit yakho ibandakanyeka kuphela xa ulala kakhulu emva kweebhili.
Kude kangakanani emva? Njengokuba kukho iintlawulo zakho zemali-mboleko, ukuhlawula iintsuku ezimbalwa ngokukhawuleza akunakwenzeka ukuba kubangele iingxaki ezinkulu (nangona iifizi zokugqibela zentlawulo zongeza). Xa iintlawulo zingaphaya kweentsuku ezingama-30 zifikile, ezo ntlawulo ziya kuphawulwa, kwaye i-arhente zokuqokelela ziza kubandakanyeka xa uyekile ukwenza iintlawulo ngeenyanga eziliqela okanye ngaphezulu.
Chaza "iNgxowa"
Nangona iirhafu zakho zesebenzi zingenakuchaphazela ngqo ukukwazi kwakho ukufumana mboleko, ezo ntlawulo zinokukunceda okanye kukulimaza kwezinye iindawo. Ngokufanayo nakwezinye iinkampani zemboleko zemali, ezinye iinkampani zilandelela umlando wakho weentlawulo zesevisi. Ukuba uhlala uhlawula ngexesha, kuya kuba lula ukufumana iinkonzo.
Ukuba unembali yokuhlawula ngokukhawuleza, kuya kuba nzima ukufumana inkonzo (unokwenza ufune ukungena kwiihitshi ezingaphezulu okanye wenze idiphozithi enkulu ukufumana inkonzo).
Ngoko, kuxhomekeke kwinto othetha ngayo ngokuthi "ngetyala," ezo ntlawulo zesebenzi zingabalulekanga. Nazi ezinye iindlela zokwakha i-credit yakho.
Qhubeka uhlawula ixesha
Ukuba uzama ukwakha i-credit yakho, kubalulekile ukugcina zonke iintlawulo zakho zesevisi ngexesha. Lezo ntlawulo zinokukunceda izikolo zakho zemveli zemali (ufumana ngaphezulu nangaphezulu rhoqo ngonyaka) - kwaye ubeka ingozi ekumonakaliseni i-credit yakho xa ulala kakhulu emva kweentlawulo.
Hlola i-Credit yakho
Ukongezelela kokuhlala ngoku kwizinto ezisetyenziswayo, khawuqwalasela idatha yakho yemveli yemboleko. Ukuqala, khangela iirekhodi zakho zekredithi rhoqo ( ikhululekile phantsi komthetho we-federal ). Fumana ingxelo kwi-ofisi enkulu ye-credit bureau emva kweenyanga ezine, ngoko uya kubamba iingxaki ngaphambi kokuphuma. Hlela nayiphi na iiposiso kwiingxelo zakho , njengoko zingakudluli ngokungabalulekanga amanqaku akho.
Imali Ekhuselekile
Ukufumana mboleko kunye nokwenza iintlawulo zakho ngexesha kufuneka zincede izikolo zakho zemali. Ukuba unzima ukufumana imvume, zama imali-mboleko ekhuselekile-nokuba i-mboleko encinci yeedola ezingamakhulu ambalwa unokunceda. Ngetyala eliqinisekisiwe, unikezela ngemali (okanye enye enye into ) ukuze unciphise ingozi yomboleki. I-Cash mhlawumbi iyona ndlela ibhetele yokubambisa, kunye nediphozithi yemali ingakunceda ukuba ufaneleke kwikharityhulam ye-credit card . Injongo kunye nemboleko ekhuselekileko ayiyikufumana imali-injongo kukubuyiselwa kwemboleko kunye nokwakha isikweletu.
Fumana Uncedo kwi-Co-Signers
Ukuba awukwazi ukufumana imvume yokuboleka imali encinci, umntu owaziyo unokukwazi ukukunceda. I-cosigner ibonisa iimfuno zemboleko kunye nawe kwaye uthembisa ukubuyisela xa ungenzi iintlawulo. Loo mntu uthatha ingozi ngokukunceda (kunye nekhredithi yabo ingathinteka ), ngoko kukuthanda ukucela. Mcele kuphela loo nto kumntu othi:
- Unetyala elingcono kunawe
- Unemali eyaneleyo yokukunceda ukuba ufanele ukufumana imali mboleko kunye nokuhlawula izibophelelo zabo zangoku
- Unokukwazi ukubeka ingozi yokuba awuyi kubuyiselwa (baya kuba ngamaphesenti angama-100 abajongene netyala ukuba awukwazi ukuhlawula nayiphi na isizathu-nangona ulwaphule okanye ubulawe ngengozi)
- Uqonda izingozi zokubhalisela ngokubhaliweyo
Fumana kwangoku
Ikhredithi yakho ngokuyinhloko isekelwe kwimbali yokwenza iintlawulo zexesha-mali kwimali-mboleko. Ukuba ungasemva kweentlawulo zembolekiso, banjiswa phezulu - i-credit yakho iya kuphucula ngokukhawuleza. Oku kunokuba kulula ukutsho kunokuzenzela. Ukuba unzima namatyala, qha ga mshelana nababolekisi bakho kwaye ubuze ukuba kukho nayiphi na inkqubo ekhoyo ukukunceda ukuba ubuyele kumzila. Ukuzibandakanya kungavulwa iingcango ongazange wazi ukuba zikhona.