Umyinge oqhelekileyo wokuba ulwaphulo lwexhoba uchitha iiyure ezingama-600 ukucima ubungqina bawo. Oku kuthetha ukufumana iingxelo kunye neefidavithi ezibonisa ukweba, ukuqikelela oko kutyeshelwe, kunye nokusebenza ukufumana ubunikazi babo. Lexesha elininzi lokuchitha ulwaphulo lolwaphulo-mthetho olwaluchengile.
Iindaba ezimbi kukuba awukwazi ukuzikhusela i-100% kwi-wiba yobunikazi. Iindaba ezilungileyo unokunciphisa kakhulu umngcipheko ngokuthatha ngokukhawuleza xa ulwazi lwakho luye lwacatshiswa.
01 Beka isilumkiso soBuqhetseba
02 Faka iNgcaciso yeNgxelo yeNgxowa-mali yokhuseleko
Ukhuselo olukhuselekileyo luya kwinqanaba elingaphaya kokuqaphelisa ubuqhetseba ngokufuna iPIN okanye iphasiwedi phambi kokuba ishishini lenze ingxelo yengxelo yakho yekhredithi. Ngokungafani nokuqaphela ukukhwabanisa, kukho umrhumo wokubeka ukukhutshwa kwokhuseleko kwingxelo yakho yekhredithi (ngaphandle kokuba sele usuxhoba lobusela besazisi).
03 Yenza imibiko yeeNgxelo zakho zeNtengo zeNtengiso
Unyaka ngamnye, unelungelo lokunika ingxelo yekhredithi enye kwi-three bureaus nganye. Ngokuyalela enye yezi ngxelo rhoqo kwiinyanga ezine, unokugcina iliso kwi-credit yakho yonke iminyaka. Impendulo yodwa kukuba unokufumana ingxelo eyodwa ye-bureau ngexesha. Ngoko ukuba ulwaphulo lobunikazi alubonakali kuzo zonke iingxelo zakho ezintathu, ungayilahleka unyaka.
04 Thenga iiNgxelo zakho zeNtengo
Ukuba uye wasebenzisa iingxelo zakho zeentengo zemboleko zonyaka, unako ukuthenga enye into ephantsi njenge $ 11 (Equifax) okanye zonke ezintathu ukuya ngaphantsi njenge-$ 15 (ukusuka kwi-TrueCredit.com). Uyakwazi ukufumana ingxelo yekhredithi yamahhala xa ubhalisela inkonzo yokujonga ngetyala. Qinisekisa ukuba ukhansela inkonzo yokujonga ngetyala ngaphambi kokuba uvavanyo lugqitywe ukuze luphephe ukuhlawulwa.
05 Gcina iAkhawunti zakho kwi-Intanethi
Ukuba ibhanki yakho ikuvumela ukujonga i-akhawunti yakho kwi-intanethi, bhalisa. Ngena ukungena kwi-akhawunti yakho rhoqo ukuze uqinisekise ukuba akukho zityholo ezingagunyaziswanga zenziwe kwi-akhawunti yakho. Gcina ulwazi lwakho lokungena lukhuselekile ngokungawubhali phantsi kwaye ungaxeleli nabani na.
06 Bhalisa kwiNgxelo yokuThengwa kweMali
Nangona asiyincongo ngenxa yeendleko eziphezulu ngokubhekiselele kwezinye iindlela, ukubeka iliso ngetyala kuyindlela enye yokufumanisa ukwebiwa kwezazisi. Thelekisa iindleko zesevisi zokubeka iliso kwiinkonzo kwiindleko zokuyalela ingxelo yengxelo yakho yeekhredithi, kwaye uya kufumana ukuba ukuthenga iingxelo ezimbalwa zeentengo zemali ngonyaka kungabizi. Ukuba uthatha isigqibo sokuba ubhalisele ukubeka iliso kwi-credit, qiniseka ukuba uthengisa.
07 Gcina iNombolo yoKhuseleko loLuntu
Kwizandla ezingafanelekanga, inombolo yakho yokhuseleko yentlalo ingaba yingozi kumboleko wakho. Gwema ukuthwala ikhadi lakho lokhuseleko loluntu kwisikhwama sakho. Musa ukubhala inombolo yakho. Nokuba uqaphele ukuba ngubani ojikelezayo xa unikela inombolo yakho kubameli beenkonzo zabathengi.
08 Khetha i-Your Check Check Order
Ukuhlolwa kwebiwe ngamanye amasela athatha ubunjani bakho. Ngokuhamba kwakho kunye nokujonga inombolo ye-akhawunti, isela lingenza ukuhlola ezintsha kwaye zisebenzise ukuthenga. Xa uyala amasheke amatsha, zikhethile ukusuka ebhankini kunokuba uthumelele ekhaya lakho.
09 Yeke Izibonelelo zeKhadi leMatyala eNgaphambi kokuVunywa
Lezo zinikezelo zekhadi lekhredithi langaphambili livunyiwe. Amasela ayaziwa ukuba asebenzise ezi zinikezelo ukuze athole amakhadi ekwereta egameni lexhoba. Ikhredithi yekhredithi echitshiweyo ngaphambi kokulahla. Okanye uziyeke ngokuphela kokuphuma.
10 Bhatala iiBill zakho kwi-Intanethi
Kwi-# 8, ufunde ukuba amasela angabonakali asebenzisa ukuhlola ukuba utshintshe ubunikazi bakho. Ewe, banokuphanga i-check out of your mailbox xa ubhalela iibhidi. Iibhanki ezininzi zibonelela ngokuhlawula imali ye-intanethi. Ukuba awukwazi ukuthumela iibhola zakho kwibhokisi yepostile ekhuselekileyo, hlawula kwi-intanethi.