Emva kobugqwetha obukhulu, umboleki wakho unokuthatha inxaxheba kumthetho. Ukuba inkundla ithola ukuxhaswa ngumbolekisi, isenzo siya kuba yirekhodi yoluntu, kwaye kwezinye iimeko, isenzo siya kufumana indlela yokunika ingxelo yengxelo yakho yekhredithi.
Ziziphi Iirekhodi Zomphakathi Ezibonakalayo Kwiingxelo Zemali?
Iirekhodi zomphakathi ezinokuvela kwiirekhodi zakho zemali ziquka ukuchithwa, ukugwetywa, okanye i-taxi yerhafu.
Kwamanye amazwe, ukuchithwa nokuhlaziywa kwakhona kwirekhodi kawonkewonke. Ezi zingeniso zizinto ezigqithiseleyo zokungena ezibonakalayo kwingxelo yakho yekhredithi kuba zibonisa ukungcola okukhulu.
Azikho zonke izenzo zenkundla ezibekwa kwingxelo yakho yekhredithi. Uqhawulo, umzekelo, ngumcimbi werekodi kawonkewonke, engabonakali kwingxelo yakho yekredithi okanye ukuphazamisa amanqaku akho. Ngokuqhelekileyo iirekhodi zoluntu kuphela ezivela kwiityala ezichaphazela ikhredithi yakho.
INgxelo yeNgxelo yeNgxelo yeMali yokuLawulwa kweeNgxelo
Uninzi lweengxelo zoluntu zihlala kwi-credit report yakho iminyaka eyisixhenxe. Isahluko 7 se-bankruptcy, nangona kunjalo, sinokuhlala kwingxelo yakho yemali-mali ukuya kwiminyaka eyi-10. E-California, izibambiso zerhafu zihlala kwi-credit report yakho ukufikelela kwiminyaka eyi-10 ukususela ngomhla owenziwe ngayo i-lien. Iingxowa zerhafu ezingakhokhelwa, kwezinye iimeko, zihlala kwi-credit report yakho ukuya kwi-15 iminyaka.
Ukususwa kweeRekhodi zikaRhulumente ezivela kwiNgxelo yakho yeMboleko
Ukuba irekhodi likawonkewonke likwimeko yengxelo yakho yekhredithi ngephutha, ungasebenzisa inkqubo yokubambisana neengxelo zemboleko ukuze uyisuswe.
Kananjalo unelungelo lokuphikisana nephutha enkundleni eyanikezela ukungena ukuba i-credit bureau ayikhiphi impazamo.
Nangona iarhente zokulungisa iitaliti ezithi zichaze ngenye indlela, kunokuba nzima kwaye akunakwenzeka ukuba zisuse iirekhodi zoluntu ezisemthethweni ezivela kwingxelo yakho yekhredithi. Ezi zinto ziphantse ziqinisekiswe rhoqo nenkundla.
Izigwebo
Ukuba isigwebo safakwa ngephutha, umzekelo, awuzange usebenze ngokufanelekileyo, unako ukufumana isigwebo esishiyiweyo. Kungcono ukuthetha nommeli ukuba ukholelwa ukuba isigwebo sifikelelwe kuwe ngephutha. Ukuba nesigwebo esishiyiweyo sifana nesigwebo esingaze senzeke, kwaye i-credit bureaus ayikwazi ukuchaza lolu hlobo lwesigwebo.
Iintlawulo Zentlawulo
Unokwazi ukuba nekhokheji yentela isuswe kwingxelo yakho yekredithi ngokukhawuleza ukuhlawula i-taxi yerhafu uze ucele isebe lemali-ngeniso-nokuba ingaba yi-IRS okanye isebe lakho lemali engenayo-ukukhupha i-link.
Nangona ungeke ukwazi ukususa irekhodi kawonkewonke evela kwingxelo yakho yekredithi, ukuyihlawula kunokukunceda ukuba wakhe kwakhona umlinganiselo wakho wekhredithi.
Ukuphucula iNgxowa-mali yakho emva kweRekhodi yoluntu
Nangona iirekhodi zoluntu ziwonakalisa kakhulu amanqaku akho ekhredithi, ingakumbi xa into yokuqala ibelwe kwi-credit report yakho, akusiyo isiphelo sehlabathi. Njengoko irekhodi likhula, libuhlungu amanqaku akho kwirejenti. Ukuhlawula onke ama-akhawunti akho ngexesha kunye nokugcina amanqanaba akho phantsi kwamatyala kunganciphisa impembelelo kumanqaku akho.