Uludwe lwezinto ezili-10 onokuzenzayo namhlanje ukuphucula umvuzo wakho wanikezela izinto ezili-10 ongayenza ukuphakamisa amanqaku akho. Ezinye izinto ozenzayo aziyi kuba nefuthe ngqo kwi-credit score yakho, kodwa kunoko, ziyimphambili kwisinye isinyathelo esiya kunceda amanqaku akho. Nazi ezinye iindlela ezili-10 onokuziphucula umlinganiselo wakho wekhredithi.
01 Thola ikhadi elitsha lekhredithi.
Kunzima ukuphucula umlinganiselo wakho wekhredithi ngaphandle kolwazi oluhle kwingxelo yakho yekhredithi. Ukuba unenkathazo yokufumana imvume, fumana ikhadi lekhredithi ngenkokhelo embi okanye fumana ikhadi lekhredithi elikhuselekile . Qaphela, ukuba sele unayo i-akhawunti evulekile ongayi kuyenza, ungafumani ikhadi elitsha lekredithi kude kubekho ii-akhawunti zakho zangoku ziphantsi kolawulo.
02 Ukuboleka umboleko wezikweleti zemali.
Ezinye iinkontileka zeentengo zemboleko zinikeza umkhiqizo obizwa ngokuba ngumbolekisi wezakhiwo zemali. Obolekayo ufakwa kwi-akhawunti yokulondoloza kwaye usebenza njengentengo yemboleko. Uya kwenza iintlawulo zenyanga ngetyala kwaye xa uhlawulwa ngokugcwele, imali kwi-akhawunti yokulondoloza, kunye nomdla okwenziweyo, ngowakho ukugcina. Okwangoku, i-credit union iyabhawula iintlawulo zakho zenyanga kwii-credit bureaus.
03 Bhatala ibhalansi kufuphi nomda.
Ukusetyenziswa kwetyala lakho - ubuninzi bekhredithi yakho esetyenziswayo - ngu-30% wemali yakho yemali. Ukulingana kwamanani akho kumlinganiselo wesikweletu sakho, okubi nakwimilinganiselo yakho yekhredithi. Ukuba une-sum sum of cash ungayisebenzisa ukuhlawula kwi-akhawunti, uyibeke kwibhalansi ephezulu. (Ukuba kufuneka ukhethe phakathi kokuhlawula ibhaso elidlulileyo elingahlawulwanga okanye ukuhlawula ibhalansi, hlawulela ibhalansi yexesha elidlulileyo.)
04 Bhatala zonke izilinganiso zekhadi lesikweletu ukuya kwi-10% yomda.
Ukuphonononga iakhawunti yakho yekhadi lesikrediti kwaye uhlawule nayiphi na ibhalansi engaphezulu kwe-10% yomda (30% yomyinge ulungile, kodwa i-10% ilungile). Ngokomzekelo, ukuba unayo i-akhawunti eneemali eziyi-$ 1000 kunye ne-700 700 ibhalansi, loo akhawunti kufuneka ihlawulwe phantsi.
05 Thumela i-goodwill ileta kumntu-mboleko.
Ukuba unayo i-akhawunti engalunganga ekhokhelwe i-akhawunti, cela umthengi ukuba asuse i-akhawunti njengento yokuthakazelelwa. Inceda ukuba unokufumana igama kunye nedilesi yomntu kwikhamera yekhadi lesikweletu kunokuba uthumele ileta kwidilesi ebhaliweyo yencwadi.
06 Cela umthengi ukuba asuse i-akhawunti ngokutshintshela intlawulo.
Ukuba unako ukuhlawula ibhanki elidlulileyo okanye i-akhawunti yokuqokelela ngokugcwele, cela umthengi ukuba asuse i-akhawunti kwingxelo yakho yekhredithi ngokutshintshela intlawulo. Oku kubizwa ngokuba " ukuhlawula ukucima ." Ukuba i-akhawunti ivulekile, umbolekisi angavuma ukuba abuyele kwakhona. Yiba nesidima xa ucela oku kunceda kwaye ungabi nomsindo xa umboleki-mali enqaba.
07 Ingxabano yeengxelo zemali zeengxelo zemali.
Uninzi lwengcaciso engalunganga lunokuxelwa kuphela iminyaka esixhenxe. Izinto ezineminyaka engaphezulu kwesikhombisa zingase zinyamalale ngokuzenzekelayo. Ungasebenzisa ingxabano yeengxelo zemboleko ukuba ube nezinto ezidala, ezimbi ezikhutshwe kwingxelo yakho yekredithi . Qaphela ukuba iSahluko 7 sokutshatyalaliswa kwemali singahlala kwingxelo yakho yemali iminyaka eyi-10. E-California, izilwanyana zerhafu (ezihlawulwayo okanye ezingakhokhelwa) zingabikwa kwi-10 ukuya kwiminyaka.
08 Yenza zonke iintlawulo zakho rhoqo.
Bhatala ubuncinane ubuncinci kuwo onke ama-akhawunti akho, kwanawo angabikho kwingxelo yakho yekhredithi. Naluphina ibhanki elidlulileyo liyakonakalisa i-credit yakho ukuba ithunyelwe kwi- arhente yokuqokelela , ephantse ihlala ibika iakhawunti kwiimboleko zemali-mboleko. Iingxowankulu zenzakalisa amanqaku akho kwirejenti ngaphantsi kokuba zikhulile ukuze zivuselele izikhohlakele zakudala ngokulahleka kwikhadi lekhredithi okanye ukuhlawulwa kwemboleko.
09 Ukuqinisekiswa kwesicelo kwi-akhawunti yokuqokelela.
Abaqokeleli bematyala kufuneka baqinisekise iimali zakho xa wenza isicelo kwisithuba seentsuku ezingama-30 kwifowuni yokuqala okanye ileta. Emva kokuba i-ejensi yokuqokelela ifumana isicelo sakho sokuqinisekisa, abayikwazi ukufaka ityala kwingxelo yakho yeebhanki uze uthunyelwe ubungqina bokuba i-arhente yokuqokelela inokuqokelela kwi-matyala. Oku kungenziwa ukulungiswa kwesikhashana nje, njengoko i-arhente yokuqokelela inokunika ingxelo ngetyala lakho emva kokuba liqinisekisile ityala.
10 Khangela amanqaku ekhredithi malunga neengcebiso ezithile.
Xa ukhangela amanqaku akho ekhredithi kwiziko ezifana ne-CreditKarma.com (inkululeko) okanye i-myFICO.com (hlawula imali okanye ubhalisele isilingo samahhala), uya kufumana isishwankathelo sezinto ezichaphazela kakubi amanqaku akho . Bobabini baneemimululsi ezibonisa ukuba amanqaku akho angatshintshwa ngokusekelwe kwizenzo ezithile.