1. Awudingi ukujonga ingxelo yakho yekhredithi ngaphandle kokuba ufaka isicelo se-credit.
Ukuvavanya ingxelo yakho yekredenti ngaphambi kokuba ufake isicelo semali mboleko enkulu ingakuphucula amathuba akho okuvunyelwa.
Ukuphononongwa kwengxelo yakho yekhredithi ngaphambi kokuba wenze isicelo sinika ithuba lokuhlambulula iimpazamo kunye nolunye ulwazi olungalunganga olunokukukhanyela.
Akufanele ulinde uze ulungiselele isicelo esikhulu ukujonga ingxelo yakho yekhredithi. Kwakhona kubalulekile ukujonga ingxelo yengxelo yemboleko okungenani kanye ngonyaka ukukhangela iimpawu zobusela okanye uqhenqa . Ukuphonononga ngokukodwa ingxelo yakho yekhredithi kuya kukuvumela ukuba ubambe kwaye ubhekane nobusela besazisi ngaphambi kokuba bubi kakhulu.
Ukuba ufuna umsebenzi okanye ukuba uphakanyisiwe kufuneka uhlolwe ingxelo yakho yekhredithi. Abaqashi abaninzi bajonga iingxelo zeentengo zemboleko (kungabikho izikolo zemali-mboleko) kwaye ufuna ukulungele oko bangakufumanisa. Oku kubaluleke ngakumbi ukuba ufuna isicelo sezimali okanye isikhundla esiphambili sezinga eliphezulu. Unelungelo lokunika ingxelo yekhredithi yamahhala ukuba awusebenzi kwaye uceba ukujonga umsebenzi kwiintsuku ezingama-60 ezizayo.
Kwaye, nangaliphi na ixesha xa unqatshelwe kwikhadi lesikweletu, umboleko okanye enye inkonzo ngenxa yolwazi kwingxelo yakho yekhredithi, kufuneka ukhangele ikopi yengxelo yakho yekhredithi esetyenziswe kwisigqibo ukuqinisekisa ukuba ulwazi luchanekile. Uya kuba nelungelo lokunika ingxelo yekhredithi yamahhala kulo mzekelo. Ukuba iimpazamo zeengxelo zemboleko zikhokelela ekubeni unqatshelwe, unokuphikisana nezo mpazamo nge-credit bureau kwaye ubuze umbolekisi ukuba acinge kwakhona isicelo sakho.
2. Ukujonga ingxelo yakho yekhredithi kuya kulimaza ikhredithi yakho.
Mhlawumbi uye wakuva ukuba imibuzo kwi-credit report yakho inokuchaphazela kakubi i-credit yakho, kodwa loo nto ayibandakanyi nemibuzo yakho kwi-credit yakho. Kukho iintlobo ezimbini zeengxelo zemboleko. Imibuzo enzima yenziwa xa wenza isicelo sekhredithi okanye imveliso esekelwe kwi-credit okanye inkonzo. Le mibuzo ibuhlungu amanqaku akho. Imibuzo epholileyo yenziwa xa uhlola ityala lakho okanye ithenkethi yeshishini, ikhredithi yakho kwisikrini esiphezulu kwimveliso yeentengo okanye iinkonzo. Le mibuzo epholileyo ayilangazi amanqaku akho.
Ukuhamba ngekhredithi ukuze ikhonkco lakho lihlolwe liza kulimaza ikhredithi yakho. Ukuze ugweme ukuba i-credit yakho ithinteke, kufuneka uhlolisise i-credit yakho ingxelo ngokuya ngqo kwenye yezinto ezintathu ezinkulu zemali-mboleko. Kukho umrhumo xa ulayisa ingxelo yakho yekhredithi esuka kwiziko leentengo zemboleko ngaphandle kokuba uvumelekile ukuba wenze ingxelo yekhredithi yamahhala phantsi kwe- Fair Credit Reporting Act . Unokuyalela enye ingxelo yekhredithi yamahhala ngonyaka ngamnye nge-AnnualCreditReport.com, indawo yokuyalela ingxelo yekhredithi yamahhala enikezwe ngumthetho wesigqeba.
Ziindaba ezilungileyo ukuba ukuhlolwa kwekhredithi yakho akuyi kukulimaza ikhredithi yakho. Oko kuthetha ukuba unokujonga i-credit yakho rhoqo njengoko ufuna ngaphandle kokwesaba ukuba kuya kukulimaza.
3. Ukuhlawula i-akhawunti ngenxa yexesha elidlulileyo liya kususa kwi-akhawunti yakho ye-credit.
Ukuhlawula ibhalansi yecala kungcono kwi-credit yakho ngexesha elide. Ngelishwa, le ntlawulo ayiyi kusula i-akhawunti okanye iinkcukacha zembali yentlawulo evela kwingxelo yakho yekhredithi. Zonke iirhafu ezidlulileyo eziza kuhlala zihlala kwingxelo yakho yekredithi malunga nobude bexesha lokunika ingxelo ngekhredithi, kodwa i-akhawunti yakho iza kuhlaziywa ukubonisa ukuba ufumene i-balance balance. Ukuba i-akhawunti yakho isaphila kwaye isebenzayo, iindleko zakho ezizayo ngexesha elizayo ziya kubikwa njenge-ok.
Ulwazi oluchanekileyo oluchaziweyo lungalondoloza kwingxelo yakho yekredithi ukuya kwiminyaka esixhenxe. Emva kwelo xesha, iinkcukacha ezimbi kufuneka zisuswe kwingxelo yakho yekredithi ngokuzenzekelayo.
4. Ukuhlawula ityala kuya kwandisa umda wexesha lokunika imali.
Abanye abantu bayanqikaza ukuhlawula i-akhawunti endala kuba bakholelwa ukuba inkokhelo iya kuqalisa kwakhona ukunika ingxelo ye-credit time clock, igcine i-akhawunti kwingxelo yabo yekhredithi enye iminyaka esixhenxe.
Ngethamsanqa, oku akunjalo.
Umda wexesha lokunika ingxelo ngekhredithi isekelwe kwixesha elidlulileyo ukususela kwisenzo esichaphazelekayo. Ukwenza iintlawulo kwi-akhawunti akuyi kuphinda kuqalise ixesha elo xesha. Ngokomzekelo, ukuba unemihla engama-30 emva kwekhadi lesikweletu ngo-Disemba 2010, uphinde ubanjwe ngoJanuwari 2011 kwaye uhlawule ngexesha elide, ukuhlawulwa kwexesha elizayo kuya kuhlawula ingxelo yakho ye-credit ngo-Disemba 2017. ukususela kuloo ngongoma phambili kuya kuhlala kwi-credit report yakho.
5. Ukuvala i-akhawunti iya kuyisusa kwingxelo yakho yekhredithi.
Enye into engafanelekanga ukuba ukuvala nje i-akhawunti iya kuyisusa kwingxelo yakho yekhredithi. Nangona kunjalo, akunjalo. Xa uvale i-akhawunti, into eyenzekayo nje ngokuphathelele kwingxelo yakho yekhredithi kukuba isimo se-akhawunti sichazwa sivaliwe. I-akhawunti iya kuhlala kwirekhodi yakho yebhanki kwixesha eliseleyo lexesha lokunika ingxelo ngetyala xa livaliwe ngokuma okubi, umzekelo, ukuba i-akhawunti ihlawulwe. Okanye, ukuba i-akhawunti yayimi kakuhle xa ivaliwe, iya kuhlala kwingxelo yakho yekhredithi esekelwe kwizikhokelo zemali-mboleko zemali-mboleko yokunika ingxelo ngokukhawuleza, ii-akhawunti ezivaliweyo.
Ukutshata kuya kufaka ingxelo yakho yekhredithi kunye neqabane lakho.
Xa utshata, uya kuqhubeka nokugcina ingxelo yesikweletu esahlukileyo kwiqabane lakho, nokuba uguqula igama lakho lokugqibela. Amanye ama-akhawunti ahlangeneyo, ii-akhawunti zomsebenzisi ezigunyazisiweyo, kunye neakhawunti ezityinwe kunye kunye nazo zingabonakala kuzo zombini zomtshato iingxelo zeentengo zemali, kodwa i-akhawunti nganye iya kuqhubeka ibhalwe kwi-akhawunti yomntu ngamnye.
7. Iikhadi lamatyala kuphela kunye neengxowa-mboleko zibonakaliswa kwingxelo yakho yekhredithi.
Xa ufunda ngxelo yakho ye-credit, ungamangaliswa kuzo zonke iintlobo zeakhawunti ezibonisa. Iibhilidi zonyango, ukuqokelela amatyala, kunye neengxelo zoluntu ezifana ne-bankruptcy okanye iibhensi zerhafu zidweliswe kwingxelo yakho yekhredithi ngokungezelela kumakhadi-mboleko kunye nemboleko.
Ngenxa yokuba bengabakwii-akhawunti zekreditenti, iibhokhwe ezinjengeentlawulo zefowuni okanye iintlawulo zesebenzisi azixeliwe rhoqo kwiivenkile zemboleko. Ukuba ezi ngxelo ziba zikhohlakele, ziyakongezwa kwingxelo yakho yekhredithi njenge-akhawunti yokuqokelela.
Imbali yengqesho kunye nemali engenayo ifakwe kwingxelo yakho yekhredithi.
Kwisifundo se-TransUnion sika-2015, iipesenti ezingama-55 zabantu abasanda kutshekisha ingxelo yabo yengxelo yemboleko bakholelwa ukuba imbali yengqesho epheleleyo yabonakala kwiingxelo zabo. Kwaye i-41 ekhulwini yayicinga ukuba imali engenayo ibhaliwe kwiingxelo zabo zemali. Umqeshi wakho wangoku angabhaniswa kwingxelo yakho yekhredithi, kodwa kunjalo. Ingxelo yakho yekhredithi ayiyi kugcina uluhlu lwabaqeshi bakho bangaphambili kwaye aluyilo uluhlu lwakho lwemali engenayo. Izicelo zemali-mboleko kunye neziboleko, nangona kunjalo, ziya kucela ingqesho kunye neenkcukacha zengeniso ukuvumela isicelo sakho.
Imbali yerenti ibhaliwe kwingxelo yakho yekhredithi.
Kwi-TransUnion study, ama-49 ekhulwini labantu abanekhredithi enkulu kakhulu bakholelwa ukuba iintlawulo zokuqeshisa zibandakanyiwe kwiingxelo zemboleko. Iingxelo zokuqeshisa ngokuqhelekileyo azibonakali kwingxelo yakho yemali-mboleko, kodwa kunokubakho ukungabikho. Ukuhlawula iindleko ezenziwe kwiindawo zokuhlala ezibika kwi-Experian RentBureau ziya kufakwa kwi-Experian yakho ingxelo ye-credit. Iingxowa-mboleko zemali-mboleko ngokuqhelekileyo azikwabelani ngolwazi, ngoko ke le ntlawulo ingabonakali kwezinye iingxelo zemali-mboleko.
10. Iingxelo ozibhalileyo kuphela azibonakali kwingxelo yakho yekhredithi.
Xa ubhakha ikhadi lekhredithi okanye mboleko, kubonakala kwirekhodi yakho yekhredithi nje ngolunye ulwazi njengamanye ama-akhawunti akho. Ukusetyenziswa kweakhawunti kunye nomsebenzi wokuhlawula uya kubonakala kwingxelo yakho yekredithi kwaye ichaphazele i-credit yakho, nokuba awuyena osebenzisa okanye ozuza kwi-akhawunti. Ngaphandle kokuba igama lakho lishicilelwe ngaphandle kwemvume yakho, awukwazi ukususa i-akhawunti echanekileyo kwingxelo yakho yekhredithi.