Indlela esebenza ngayo kunye nendlela yokufumana ngayo
Ukuba uqhuba ishishini, qhelana nekhredithi yezo shishino, kwaye qalise ukwakha ukuze ushiye i-credit yakho siqu kwi-equation.
Kutheni Usebenzisa I-Credit Credit?
Unokuboleka imali njengomntu ngamnye, ngoko kutheni ungena kwingxaki yokuboleka egameni lakho shishini?
Gcina izinto ezihlukeneyo: nangona akuyona into ebalulekileyo ngoku, ngelinye ilanga uya kuzibulela ngokwahlula iimali zakho zobuqu kunye nezoshishino. Ukufumana i mboleko njengeshishini elitsha, kufuneka usebenzise isicelo seNombolo yoKhuseleko loLuntu, oko kuthetha ukuba ababolekisi bathabatha iingxelo zemboleko zesikweletu sakho ukuze kuqinisekiswe ukuba ubolekisi bakho. Oku kuthetha ukuba nayiphi na ingxaki iza kuhamba kwiingxelo zakho zemali-mboleko-ukwenza kube nzima ukuboleka izinto ezibalulekileyo njengekhaya okanye imoto.
Nangona konke kuhamba kakuhle, ukuboleka imali kwi-shishini lakho kungadla ukukwazi ukuboleka njengomntu, kwaye oko kuya kukuchaphazela wena nentsapho yakho. Ababoleki bavavanya ukuba ungabakholeka kangakanani ngokusekelwe kwimali engenayo kunye neentlawulo zakho zamatyala ezikhoyo (usebenzisa ityala kwinani lentlawulo ). Ungakwazi ukukhangela ngokulula xa uboleka ishishini.
Ngaphambi kokuba uqalise i-credit yeentengo zemboleko, ababolekisi baya kufuna isiqinisekiso somntu siqu , nangona bavuma "umboleko wezoshishino." Kuya kufuneka ubeke iifayili ezifana nekhaya lakho kumgca, kwaye ezo ntlawulo ziba ngumlenze wemboleko .
Oku kunokukhokelela kwintlekele, kwaye kwenza kube nzima ukuhamba okanye ukuhlaziywa ngelixa ubolekisi bakho bebhankini besaqhubeka.
Amagama angcono: amanqaku amashishini aqingqiweyo ekhredithi enza kube lula ukusebenza. Abathengi banokuvumela ixesha elongezelelweyo lokubuyisela, kwaye uya kuba nokukhetha okungakumbi - unokusebenza kunye namafemu aphezulu, athembekileyo kunokuba ngubani na oza kukuthatha njengomthengi.
Ukuxhaswa ngemali engcono: xa uboleka, uya kuhlawula ngaphantsi xa unesikolo sekhredithi esomeleleyo. Ixabiso lentlawulo ngokuqhelekileyo lisekelwe kwingcipheko. Kungenzeka ukuba uza kubuyiselwa, ukuhlawula amaxabiso enzala kunye nezinye iindleko zemali. Iphucula inzuzo kwaye inikeza igumbi lokuphefumula.
Ukwandiswa kweevenkile: i- credit yakho ayikho nje ngokuboleka - inokuphinda ivakalise abathengi abanakho. Abathengi bafuna ukwazi ukuba ngaba ungeke ukwazi ukuhambisa kwiimyalelo zabo, kwaye iqela lakho lokuthengisa ngetyala liyindlela enye yokuvavanya ukusebenza kwakho. Ukuba uhlala ulandelelana nabathengisi, abathengi banokukhululeka ukubeka umyalelo omkhulu.
Ngokungafani nezikolo zakho zemali-mboleko, nabani na onokuzijonga ngetyala lakho lebhizinisi - alifihlakeleyo, kwaye abayidingi isizathu sokubuza.
Indlela yokwakha iMboleko
Ukwakha i-credit yekhredithi kufana nokwakha i-credit card yakho-ukuhlawula ngexesha-kunye nezinye iinkalo ezongezelelweyo.
Fumana ngokusemthethweni: ukuqala iprojekthi yeentengo zemboleko, kuya kufuneka ukuba ube ne- shishini . Yenza konke onako ukuhlula imibandela yakho yoshishino kunye neyakho.
- Fumana iNombolo yoNgcaciso yoMqeshi (i-EIN) kwi-IRS, kwaye usebenzise oko endaweni yeSSSN kwiimeko zezoshishino
- Unokufuna kwakhona okanye ufuna ukubandakanya - thetha kunye negqwetha ukuze ufunde okulungileyo
- Vula i-akhawunti egameni lakho shishini (ezinye iibhanki zinikezela ngokushishina ishishini ukuze uqalise)
- Ukuba kunokwenzeka, fumana ikhadi lekhredithi, umbolekisi omncinci, okanye umgca wekhredithi esuka kwibhankini lakho egameni lakho shishini
Yenza ikhredithi: "i-credit" ayifanele ibe ngumboleko osemthethweni - unokufumana (kunye nokwakha) ngetyala ngokusebenza nabathengisi. Xa uthenge ngetyala, ufumana iimpahla kunye neenkonzo namhlanje, kodwa akumele uhlawule kude kube kamva. Lo mzekelo usebenza kwiinkonzo ezininzi ezibandakanya ukubonelela ngeofisi kunye neendawo zokugcina izinto. Naliphi na ixesha unokuhlawula kwiintsuku ezingama-30 okanye ezingama-60, ufumana ityala.
Ukuba kunokwenzeka, sebenzisana nabathengisi kunye namaqabane abika ingxelo yekhredithi yakho kwii-credit bureaus. Nangona bengabonakali, kunokwenzeka ukongeza le mizila yezorhwebo njenge "ngxelo" kwi-Dun & Bradstreet ingxelo (iD & B inikeza iziphakamiso).
Njalo uhlawule ngexesha, uhlawule ngokukhawuleza ukufumana amanqaku angcono kakhulu - amanqaku akwaDun kunye neBradstreet asekelwe ngokukhawuleza ukuhlawula, ngokukhawuleza ukuhlawula ngokukhawuleza.
Ukubonelela ngolwazi kunye nokubeka iliso: ukwakha i-credit yakho yekhredithi ayikho into enzima. Unokufuna ukunikezela ngolwazi kwi-bureaus ye-credit, kwaye ngokuqinisekileyo uya kufuna ukuqinisekisa ukuba unolwazi oluchanekileyo kwinkampani yakho. Hlola kwakhona iingxelo zakho zekredithi kwaye ulungise iziphoso ozifumanayo.
KwiiNkampani zeNkxaso zeNtengiso
Ngokuxhomekeke kwenkcazo yakho, kukho ininzi (okanye ngaphezulu) yee-credit bureaus ngaphandle kwabantu, ihlanganisa yonke into esuka kwimbali yakho yokuboleka kwimbali yakho. Iinkampani zenkxaso-mali yenkampani yenkampani yenkampani yemali ininzi kakhulu, ngoko gxininisa kwii-three bureaus ezinkulu njengoko ukwakha i-credit: Dun & Bradstreet, i-Equifax, ne-Experian.
I-ofisi nganye inomzekelo wayo wokulinganisa, kwaye bonke basebenzise ulwazi oluhlukileyo. Le yilapho izikolo zekhredithi zoshishino zihluke kwiinqununu zamanani ezikratshi - izikolo zakho zemali zetyala zifana (nangona mhlawumbi kungenjalo), ngokusekelwe kwimbali yakho yentlawulo, iirekhodi zoluntu kunye nolunye ulwazi. Iimodeli zokulinganisa iziko ziya kufaka kwiqela elithile okanye ngaphantsi kwoluhlu oluvela kumboleki kumboleki.
Ngeenkcukacha zekhredithi zamashishini, ulwazi luvela kwimithombo eyahlukileyo ngokupheleleyo. Ku-Dun & Bradstreet, umzekelo, unika ulwazi oluninzi ukuzalisa iprofayili yakho nenombolo yakho ye-DUNS. Amanqaku angahle avele ukusuka ku-1 ukuya ku-100, okanye aya kuhla kwesinye isixa.
Imali, iMirhumo, iMirhumo
Iindleko ngenye umahluko omkhulu phakathi kwekhredithi yakho kunye namanqaku ekhredithi. Yilungele ukuhlawula ulwazi -kuba ucela okanye unika ulwazi. Awunakho ukufumana iingxelo zekhredithi zamahhala minyaka yonke (njengokuba wenza njengomthengi ngamnye phantsi komthetho we-federal ). Endaweni yoko, uya kuhlawula imali ethobekileyo ukuze ubone i-credit yakho. Ukuba kukho nayiphi na isilivere yokulala, iindleko zokulawula i-credit card yakho zingabakho iindleko ezidityanisiweyo.