Ukuba ubeka iliso lakho amanqaku ekhredithi kaninzi okanye usayinwe ukuba uqaphele izikripthi zemali zekredithi, ngoko uyazi ukuba i-credit score score changes over time. Naluphina ukwanda kwinqanaba lakho lemali-mboleko, uyonwabile. Kodwa ukulahla kwinqanaba lakho lekhredithi? Yikes. Yona nto yokugqibela ofuna ukuyibona.
Ngenxa yokuba ukubalwa kwamanqaku eebredithi kunzima kakhulu, kunokuba kunzima ukucacisa isizathu esona sizathu sokuhlaselwa kwamanqaku esikweletu. Amanqaku akho ekhredithi asekelwe kwingxelo kwingxelo yakho yekhredithi, ngoko ke ukuba umlinganiselo wakho wekredithi wehla ngokungalindelekanga, ngokuqhelekileyo ngenxa yokutshintsha kolwazi kwingxelo yakho yekhredithi. Akuyi kuba yinguqu enkulu yokuba amanqaku akho ekwereti awele. Nazi zimbalwa izizathu ezinokwenzeka ukuba umlinganiselo wakho wekhredithi unokusihla.
01 Ikhadi lakho lokuthenga ngetyala okanye ukuhlawulwa kwemboleko kwimihla engaphezu kweentsuku ezingama-30.
02 Wenza ukuthengwa kwekhadi lokuthenga ngetyala.
Enye into ebalulekileyo kwinqanaba lakho lekhredithi kukuba uninzi lwekhredithi yakho ekhoyo . Ukuba wenza ukuthenga okukhulu kwikhadi lakho lesikredithi inyanga enye, unokubona ukuhla kwamanqaku kwirejenti nokuba uhlawula ibhalansi ngokugcwele ngosuku lwakho olufunekayo.
Abaniki bamakhadi abemboleko ngamatyala baxela ukulinganisela kwekhadi lesikweletu njengosuku lokugqibela lomjikelo wokuhlawula. Isalathisi kwisitatimenti sekhadi lakho lesikweletu lidla ngokuba li-balance ebonakalayo kwingxelo yakho yekhredithi.
Iindaba ezilungileyo unako ukulungisa ngokukhawuleza impembelelo ebhalansi eliphezulu. Ukuhlawula ibhalansi, thintela ukwenza ezinye iikhadi lokuthenga ngetyala, kwaye ulinde ibhalansi ukuba ubonise ingxelo kwingxelo yakho yekhredithi. Oku kuya kukunceda ufumane amaphuzu amanqaku alahlekileyo.
03 I-akhawunti engakhokhelwa ithunyelwe kwiiqoqo.
Ukukhusela umlinganiselo wakho wekhredithi, kubalulekile ukuba uhlawule onke ama-akhawunti akho, kungekhona nje amakhadi akhokredari kunye nemiboleko. Ukuba uthe wawa emva kweentlawulo kwiakhawunti yakho engekho ngetyala, ibhalansi engagqibekanga ingathunyelwa kwi -ejensi yokuqokelela kwaye ifakwe kwingxelo yakho yekhredithi. Emva kokuba iqoqo ibonakalise ingxelo kwingxelo yakho yekredithi, ngokuqinisekileyo kuya kubangela ukuba uhla ekhompyutheni yakho yekhredithi.
04 Iqoqo lakho lokugqibela lishiye ingxelo yakho yekhredithi.
Xa ubala amanqaku ekhredithi, i- FICO ibeka abantu kwiibhakethi ezahlukeneyo, ezibizwa ngokuba ngamakhadikhadi. Iprojekthi yakho yekhredithi ifaniswa nabanye abantu kwi-scorecard yakho ukuza kunye namanqaku akho ekhredithi. Nangona usenokuba phezulu kwinqanaba lekhadi elilodwa kunye neqokelela kwingxelo yakho yekhredithi, unokuwela phantsi kwekhadi lekhadi elihlukileyo xa ulwazi oluthile olubi luwela kwingxelo yakho yekhredithi.
Olu hlobo lokuhla kwamanqaku ekhredithi ngaphandle kolawulo lwakho. Ngethamsanqa, xa nje uqhubeka uhlawula iindleko zakho ngexesha kwaye ugcina ityala lakho liphantsi, umlinganiselo wakho wekhredithi uya kuphucula.
05 Wenza isicelo esitsha sekhredithi.
Naliphi na ixesha obeka kuyo isicelo esitsha sekhredithi, uphando luyongezwa kwingxelo yakho yekhredithi. Ekubeni imibuzo iphakamisa i-10% yemali yakho yemali, ukufaka isicelo sekhredithi entsha kungathintela amanqaku akho.
Iingxelo zichaphazela kuphela amanqaku akho ekhredithi ngonyaka, ngoko ukuba ngaba yimibuzo yodwa kuphela, umlinganiselo wakho wekhredithi kufuneka ukhule ngokukhawuleza kwaye ugqibezele ukufumana kwakhona kwiinyanga ezili-12.
06 Enye yemingcele yakho yemali iyancitshiswa.
Umngcipheko we-credit inferior unempembelelo efanayo kumanqaku akho ekhredithi njengoko uhlawula into ebiza. Ukuba unomlinganiselo kwikhadi lesikweletu elinomlinganiselo omncinci wesikweletu, ukusetyenziswa kwakho kwetyala kukunyuka , kwaye umlinganiselo wakho wekhredithi uya kuhla.
07 Uvale ikhadi lekhredithi (okanye ukhansele enye).
Ukuvala ikhadi lekhredithi kunokulimaza amanqaku akho okwekhredithi, ngokukodwa ukuba ikhadi linomlinganiselo. Abaniki bamakhadi bamakhadi banokukhupha ikhadi lakho lekhredithi, elichaphazela nekhredithi yakho, kungekhona ukuba umbolekisi uvale i-akhawunti, kodwa ngenxa yokuba ivaliwe konke.
08 I-bankruptcy yakho yawa kwingxelo yakho yekhredithi.
Xa i-bankruptcy ityala ingxelo yakho yekredari emva kweminyaka eyisixhenxe (iminyaka elishumi ukuya kwiSahluko 7 i-bankruptcy), mhlawumbi uya kutshintshela kwi-credit card card. Unokubona ukuphahla kwinqanaba lakho lekhredithi kuba ngoku ukusebenza kwakho kweentengo kukuthelekiswa nabanye abantu abangazange bafake i-bankruptcy.