Izinto ongazifanele uyenze ukulungisa i-credit yakho
Ukuba ucinga ngokulungisa i-credit yakho, okanye nokuba uqhuba inkqubo ngoku, kukho ezinye izinto ongazifanele uyenze. Nazi iziphoso zokulungisa iitalenti ezili-10 ofuna ukuziphepha.
01 Akukho Ukulungiswa Kwetyala Lakho Kuzo Zonke
02 Ukuphikisa yonke into kwiNgxelo yakho yeMboleko
Le ndlela isetyenziswa rhoqo ngamaqumrhu okulungisa iitaliti. Kukho iingxaki ezimbini ngokuzama ukulungisa i-credit yakho ngale ndlela. Okokuqala, akukholelwa. Ukuba uphikisana nezinto ezininzi, i-credit bureaus inokuthi ichithe ingxabano yakho njengento eqhelekileyo. Okwesibini, awufuni ukuba yonke into ithathwe kwingxelo yakho yekhredithi. Ezinye iakhawunti ezichanekileyo ngokwenene zinceda ukulinganiswa kweentengo zemali kunye nokuphikisana nazo zingenza ukuba amanqaku akho ekhredithi alahle.
03 Ukuqesha Inkampani yeCredit Repair
Iinkampani zokulungisa iitaliti azikwazi ukuba ziziphumo ezilungileyo. Enyanisweni, i-Federal Trade Commission icatshulwe ngokuthi ayizange ibone inkampani yokulungiswa kweentengo zemboleko. Iinkampani zokulungisa ngetyala zihlala zenza izithembiso eziphakamileyo ezingenakuzaliswa ngokusemthethweni. Ekugqibeleni, ungcono ukugcina imali yakho nokwenza ngokwakho.
04 Ukukhansela iiAkhawunti zeKhadi leMatyala
Uninzi lwabantu aluqapheli ukuba ukuvalwa kwekhadi lesikweletu kungabikho emanqaku akho okwekhredithi, ngokukodwa ukuba kukho ikhadi lekhredithi elinokulinganisela okanye elinye lamakhadi akho ekwereti akhulileyo. Awusoze uphucule umlinganiselo wakho wekhredithi ngokuvala ikhadi lekhredithi, ngoko cinga kabini malunga nokukhansela enye.
05 Ukudlala iMidlalo yokuTshintshiselana kweMali
Ukutshintshela izilinganiso zekhadi lokuthenga ikhredithi ukuze ugweme ukwenza inkokhelo kuphela ukuhlehlisa ukuphepha. Eli qhinga liza kuthabatha nje ngoku. Ukuqwalasela imali yokudluliselwa kwemali eyongeziweyo kwinqanaba lakho xa usithumela, imali omele uyenze iyaqhubeka ikhula kunokunyuka.
06 Ukusika iiCredit Credit yakho
Uninzi lwabantu abadlulayo kwixesha elibi lekhredithi bafungela amakhadi ekredithi. Kodwa, ngaphandle kwabo, unokufumana ubunzima bokufumana iimboleko zemali okanye ezinye iintlobo zemboleko. Akunjalo nje kuphela, ukusebenzisa ikhadi lekhredithi ngendlela elungileyo kuya kunceda ukuvuselela ikhredithi yakho njengoko uhamba kwinkqubo yokulungisa.
07 Ukungaphumeleli kwezinye iiKhadi zeKhadi lokuTyala kwiindawo zabanye
Iintlawulo zokubaluleka kuqala zihlakaniphile. Ukunyathela ezinye iintlawulo kungenjalo. Ukuba ufuna ukuba i-credit yakho iphuculwe, akufanele uphephe iintlawulo. Ikhredithi yakho iya kuqhubeka ibe yimbi kunokuba ibe ngcono. Okukuphela kwee-akhawunti eziye zahlawulwa kwakhona okanye ziye zaqokelela. Ukuba kufuneka ukhethe phakathi kokuhlawula i-akhawunti yokuqokelela okanye ukuhlawula i-akhawunti okwangoku, khetha i-akhawunti ekhoyo ngoku.
08 Ukuthumela iiNcwadi ngaphandle kweeNcwadi eziqinisekisiweyo
Xa uthumela iileta kwiimali-mboleko zemali-mboleko, ii-arhente zokuqokelela, ababolekisi, nababolekisi, kufuneka uhlale uthumela ngeposi eqinisekisiweyo kunye ne-receipt receipt eceliwe. Oku kunika ubungqina bokuba incwadi yakho ithunyelwe kwaye ingaba ifumaneke.
09 Ukungakhangeli iNgxelo yakho yeMali
Ngaphambi kokuba uqale ulungise i-credit yakho, kufuneka ukhangele ingxelo yakho yekhredithi. Ingxelo yakho yekhredithi izokukunceda ukuba ufumanise ukuba yiziphi izinto ozifunayo ukugxila ekuphuculeni ikhredithi yakho. Ngaphandle kwekopi yengxelo yakho yekhredithi, uya kuba nzima ukucinga apho uqala ukulungisa i-credit yakho.
10 Ukufakela i-Bankruptcy
Akufanele usebenzise i-bankruptcy njengendlela yokulungisa ityala. I-Bankruptcy ayiyi kuphucula i-credit yakho nakwezinye iimeko, i-credit yakho ingaba yingozi ngakumbi emva kokufakela i-bankruptcy. Ekubeni i-bankruptcy ihlala kwingxelo yakho yekhredithi iminyaka engama-7 ukuya kwe-10, uya kuqhubeka unenkathazo yokufumana amakhadi kunye netyala-mboleko. Uninzi lwababolekisi babuza ukuba uke wafaka i-bankruptcy, ngoko ke nangemva kokutshatyalaliswa kwe-bankrupt ivela kwingxelo yakho yekhredithi, iyakusenza ungabi mboleko.