Ngaba Iimpawu Zemali Ezingenanto Zikho Ngempela?
Amanqaku okuthenga ngetyala ngamanani ababolekisi basebenzise ukukuhlalutya njengomboleki. Lezo manani ziveliswa yiikhomputha ezihamba ngxelo yengxelo yemboleko, kwaye zihlala zenza umehluko phakathi kokuvunyelwa nokuphika.
Ngaba kufuneka uhlawule ukuze ufumanise ukuba yimaphi amanqaku akho?
Njengeengcamango malunga nesixeko sase-El Dorado, izithembiso zeengxelo zemali-mboleko zamahhala zihlala zingekho. Uya kufumana ngokukhawuleza ukuba iinkampani ezithengisa izikolo zamahhala zifuna ukuhlawula ngokukhawuleza okanye kamva.
Kodwa kukho iindlela ezimbalwa zokufumana izikolo ezikhululekile (nangona ngamanye amaxesha ufumana oko uhlawulayo). Masibambe kwizinto ozikhethayo ngezansi.
Iintlobo zeeNgxelo zeMatyala
Unokumangaliswa ukwazi ukuba unamanani amanqaku ekhredithi - kungekhona enye. Kubaqalayo, nganye i-credit bureau ivelisa amanqaku ekhredithi, kwaye nganye imodeli yokulinganisa idala amanqaku ayo (kwaye kukho amanqaku amaninzi). Ngaphambi kokuba uthathe amanqaku ngokubaluleka, fumana ukuba uluphi uhlobo lwamanqaku.
Amanqaku amanqaku okwangoku ngoku kungumlinganiselo we-FICO - ngulowo obolekayo ngokuqhelekileyo asebenzisa iibhanti ezibaluleke kakhulu (njengemali-mboleko, iimali-mboleko zemali , kunye namakhadi-mboleko). Ezinye izikolo, ezifana neVantageScore, zinokuthi ziba ziqhelane, kodwa ama-FICO amanqaku awona manqaku axabisekileyo.
Naliphi na amanqaku anokukunceda ukuba uqonde ukuba unetyala "elihle" okanye "elibi" - ukuba umlinganiselo wakho uphakeme, ngoko wenza kakuhle - kwaye ziziphi izinto ezinokuba zilimaza amanqaku akho . Nangona kunjalo, inani elithile ofumanayo alinokuba luncedo ngaphandle kokuba ukhangele kumgangatho weFICO wenene.
Izikolo zeMali-mboleko eziMahla
Ngexesha elizayo uboleka, cela i-freebie.
Naliphi na ixesha ofaka isicelo semboleko, umboleki wakho ufumana amanqaku eFICO njengenxalenye yenkqubo yokuboleka imali. Buza umnini-mboleko wakho ukuba akuxelele ukuba yimaphi amanqaku akho - mhlawumbi ayengazi ukuba unomdla, kwaye bayavuya kakhulu ukwabelana nalo lwazi kunye nawe.
Ukongezelela kubabolekisi bemveli, oontanga kubaboleki kunye nabanye abathengi bemali- mboleko baninzi banikezela ngamanqaku okuthenga ngetyala (okanye ezinye izibonakaliso zeziphi amanqaku akho) xa ubhalisela iinkonzo zabo.
Ukuba ngababolekisi, ngokusekelwe kumanqaku okuthenga ngetyala, bathabatha isigqibo sokungavumi kwemboleko yakho (okanye ugqibe ukunikela ngemigangatho emnandi), kufuneka banikele ngamanqaku ekhredithi asetyenziswayo.
Kulula ukufumana umvuzo wesikweledu samahhala xa ufaka isicelo sembolekisi, kodwa unokuba ufuna ukufumana i-scoop kaninzi. Ezinye iibhanki zinika izikolo zekhredithi ze-FICO zamahhala kunye nokuhlaziywa nyanga zonke xa usebenzisa ikhadi labo lesikweletu. Ngokomzekelo, abathengi be-Chase Slate bangabona ishati ibonisa indlela amanqaku abo eFICO atshintshile ngayo ixesha. Ikhampani yakho yekhadi lesikweletu ihlola rhoqo i-credit yakho (ukuba ubone ukuba uwela kumaxesha anzima, okanye ukuba kufuneka ikhulise umda wakho wesikweletu ), ngoko kulula ukuba banike le nkonzo.
Izikolo zokuThengisa ngeNtengo zeNtengiso
Lewebhu izele izitifiketi ezithembisa iikratshi ezikhululekile.
Uza kubhalisa ngokubanzi ukunikezelwa kwetyala, funda ukubona amanqaku akho, uze uhlawule umrhumo wobhaliso (emva kwenyanga okanye njalo). Nangona kunjalo, unako ukurhoxisa ukubhalisa kwaye wehla iintlawulo.
Nangona le ndlela ingakufumana umlinganiselo wekredithi wamahhala ngezikhathi ezithile, kufuneka ugxume kwiindawo ezininzi zeehagi ukwenza zonke izibonelelo zecandelo (kwaye kufuneka ukhumbule ukukhansela ukubhalisa kwakho ukuphepha ukuhlawula). Ukongeza, uthumela iinkcukacha ezibucayi kwiiwebhusayithi ezahlukeneyo, ngoko ingozi yokutshintshwa kwezazisi iyanda . Ekugqibeleni, igama lakho kunye nolwazi lokuqhagamshelana luphela kwiinkcukacha ezininzi zokuthengisa kwaye kufuneka uhlawule intlawulo (ngendlela yokutshatyalaliswa kweentengiso) kwiminyaka ezayo.
Iimali eziMahla eziMali ezivela kwiiNgcaciso ezingezinye
Kwakhona, i-FICO ngamanqaku okuthenga ngetyala ngokuqinisekileyo ngamanqaku abaluleke kakhulu kwiimali-mboleko ezinkulu.
Nangona kunjalo, unokufumana amanye amanqaku ayenziwe ngokweziko evela kumashishini athile. Ii-ofisi zemali-mboleko kunye newebhsayithi zemali ezizodwa ezijoliswe kwiinkcukacha zemboleko zinikezela amanqaku, ngamanye amaxesha mahhala. Zisekelwe kwezinye iinkcukacha ezifanayo ezisetyenziswe kwisikolo sakho seFICO, kwaye zivavanya i-credit yakho usebenzisa ifilosofi efanayo.
Ufuna imizekelo embalwa? Iziza ezingezansi zibonelela ngezikolo zamahhala (ezingenakuba yiziphumo zeFICO) kumalungu. Olu luhlu aluvumelwanga kwezi nkampani, kwaye akukho siqinisekiso sokuthi ufumana into emnandi, kodwa ezi ziyaziwayo:
- IKharma yeKrenda
- Quizzle
- Credit.com
- Credit Sesame
Amanqaku athile asebenzise i-algorithm efanayo ye-FICO enikezelwa ngumboleki wakho (ngamanye amaxesha abizwa ngokuba yi "FAKO" amanqaku), kodwa banokukunika ingcamango yokuba njani ababolekisi bacinga ngetyala lakho. Qaphela ukuba kwixesha elidlulileyo la manqaku alindeleke ukuba aphezulu kunomlinganiselo wakho we-FICO-mhlawumbi akukho mntu ufuna ukuba ngumbali weendaba ezimbi.