Iindlela zokuPhucula iCredit Score yakho

Ukuphucula i-Score yakho yeMali ingakusindisa imali

Amanqaku akho ekhredithi ngumbolo ebaluleke kakhulu ababolekisi basebenzise ukwenzela ukuba banqunywe okanye bangenwetyala inkokhelo kuwe, nokuba yeyiphi izinga lentengo kunye nemigomo yemboleko okanye mboleko. Umncinci wamanqaku akho aphantsi, ubuncinane ukuba uya kuvunywa ukuba uboleke imali. Ukuba uvunyiwe, kufuneka uhlawule inzala ephezulu. Amanqaku akho ekhredithi ahlahliwe kwiinqanaba ezintlanu:

• Imbali yentlawulo - 35%
• Iimali ezipheleleyo ezihlawulwe - 30%

• Ubude beNkcazo yeMali - 15%
• I-Credit entsha - 10%
• Uhlobo lweTyala kuSebenzi - 10%

Yenza Iintlawulo Zakho Ngexesha

Into ebaluleke kakhulu ongayenza ukugcina amanqaku akho aphakamileyo, okanye ukuphucula kumanqaku akho kukuba wenze iintlawulo zakho ngexesha. Imbali yokuhlawula yinto ebalulekileyo ekusetyenziselwa ukufumana amanqaku akho ekhredithi. Iintlawulo ezinemihla engama-30 okanye ngaphezulu kwexesha elidlulileyo ngenxa yazo ziza kuboniswa kwingxelo yakho yekhredithi kwaye ifuthe kakubi kumanqaku akho. La manqaku amanqaku ahlala ehlala kwingxelo yakho iminyaka eyisixhenxe.

Gcina iNgxowa-mali Yakho Yonke Imali Ephantsi kolawulo

Ngeyona sibini inkulu kakhulu yesikalo sakho semali-mboleko sisonke isixa-mali omele sona, kubalulekile ukugcina ukuboleka phantsi kolawulo. Ukuba njengamanje unesibalo esikhulu semali ehlawulwayo, kufuneka ube ngowokuqala ukuboleka kwaye usebenze ekunciphiseni imali.

Oku akusoloko kulula, kodwa indlela yodwa yokuphucula imeko yakho yeebatyala kukuyeka ukuboleka okanye ukusebenzisa amakhadi-mboleko kwaye uqhubeke nokuhlawula ngokukhawuleza okunciphisa ibhalansi yakho.

Ukongeza, ufuna ukuqwalasela ukuba ingakanani imali yakho ekhoyo ekhoyo. Ngokomzekelo, ukuba namakhadi amaninzi ekhredithi axhonyiwe, okanye ngokusondeleyo kwimida yabo iya kubachaphazela kakubi amanqaku akho. Amakhadi amabini esikweleti ene-$ 5,000 umda kunye ne-$ 1,000 ibhalansi nganye iya kubonakala ibhetele kunekhadi elilodwa elinomlinganiselo we-$ 2,500 kunye ne-2,000 balance balance.

Gcina iiAkhawunti eziDala zivuliwe

Ubude bembali yeebhanki ngenye into ebalulekileyo yamanqaku ekhredithi, ngoko kuya kuba luncedo ukugcina i-akhawunti ezindala kwindawo evulekile. Nangona ufuna ukugcina inani elipheleleyo le-akhawunti elilawulwayo, ngamanye amaxesha inokulimaza amanqaku akho ukuvala i-akhawunti endala kunokuyigcina ivulekile, nokuba oko kuthetha ukuba unama-akhawunti avulekileyo.

Qaphela xa Uvula iiAkhawunti ezintsha

Ngoxa i-credit entsha yinto ebalulekileyo ebalulekileyo kumanqaku akho, kusengumcimbi obalulekileyo ukuqwalasela. Xa uthengisa umboleko omtsha okanye ikhadi lekhredithi, yenza ithenda yakho ngexesha elincinci xesha. Awufuni ukuba ingxelo yakho ibonise ukuba uhlala ukhangela i-credit.

Kananjalo awufuni ukuvula ii-akhawunti zekhredithi ongazizimisele ukuyisebenzisa. Kungaba nzima ukuba ufumane i-10% eyongezelelweyo xa uvula loo khadi levenkile yokuthengisa kodwa incinci yemali oyigcina ingabalulekanga xa iakhawunti ezininzi ezifana nalezi zinciphisa amanqaku akho.