Vala Ikhadi lakho leKhadi ngendlela echanekileyo
Kukho izizathu ezininzi zokuvala ikhadi lekhredithi: unamakhadi amaninzi emakhadi , umnikeli wakho wamakhadi akhulise umyinge wakho wenzala okanye wongezwa umrhumo wonyaka, okanye ngenxa yokuba awufuni loo khadi lekhredithi. Ukushiya amakhadi ekhredithi evulekile kudla ngokuba yinto eyona nto ingcono kakhulu kwikhredithi yakho, kodwa ukuba uzimisele ukuvala ikhadi lakho lekhredithi, yile ndlela efanelekileyo yokwenza.
1. Cinga ukuba ngaba kuya kuba nefuthe kumanqaku akho ekhredithi.
Ngaphambi kokufowunela umniki-khadi wakho wekhadi lokuthenga ikhredithi, qalisa ukujonga ukuba ukuvala loo khadi kuya kuba nefuthe kumanqaku akho ekhredithi.
Ukuvala ikhadi lekhredithi akulisuswanga kwingxelo yakho yekredithi, kwaye akususeli nayiphi na imbali yentlawulo ehambelana nayo kwingxelo yakho yekhredithi. Ngoko ukuba unethemba lokuba unokuvala ikhadi lakho lesikweletu ukuze wenze i-credit bureaus "uyibale" ukuba uye wafika emva kwexesha, ungenalo inhlanhla. Naliphina imbali yentlawulo engalunganga iya kubambelela iminyaka engama-7.
Okungenani zibuyise iakhawunti yakho ekumeni kakuhle ukuze imeko yokuhlawula enokubakho ihlawulwe kwisikolo sakho semali. Ukuba kamva unquma ukuyivala, iya kuhlala kwi-credit report yakho malunga neminyaka engaphezulu kwe-10. Ukuba uvale i-akhawunti yakho ngexesha elidlulileyo, kufuneka liwe emva kweminyaka emithandathu.
2. Ukuhlawula ibhalansi yakho yekhadi lesikweletu
Unokuvala ikhadi lekhredithi nangona unayo ibhalansi, kodwa umlinganiselo wakho wekhredithi unokubandezeleka ngenxa yokuba ukusetyenziswa kwetyala kuya kubonakala kuphezulu. Ukusetyenziswa kwetyala kubona umyinge wemilinganiselo yakho yekhredithi kwimilinganiselo yekhadi lesikweletu kwaye inxalenye yesibini into ebalulekileyo ekungena kumanqaku akho.
Xa uvala ikhadi lakho lekhredithi ngokulinganisela, kuya kufuneka uhlawule rhoqo ngenyanga (ubuncinci ubuncinane) uze uhlawule ibhalansi. Ukuba unako, hlawula ibhalansi kwikhadi lesikweletu ngaphambi kokuba ulivale. Oku kuya kunciphisa impembelelo kumanqaku akho okuthenga ngetyala kwaye kukunikeze enye yentlawulo yekhadi lesikweledu ukuxhalabisa malunga.
Ukuba awukwazi ukuhlawulela ibhalansi yakho kwaye unomdla wokuhlawula ikhadi lakho lekredithi, cinga ukutshintshela ibhalansi kwenye ikhadi lekhredithi. Ikhadi lesikweletu ngaphandle kwekhredithi esetyenzisiweyo okanye omnye onomyinge wokutsala inzala ngabaviwa abalungileyo ukuhanjiswa kwemali.
3. Sebenzisa umvuzo wakho wekhadi lesikweletu.
Xa uvala ikhadi lakho lesikweletu, awuyi kukwazi ukusebenzisa nayiphi na imivuzo oye wasebenza nzima ukuba uzuze. Ngaphambi kokuba uvale ikhadi lakho, khangela umvuzo wakho wokulinganisela ukubona ukuba uninzi kangakanani umvuzo oye waphawula. Ukuhlawulela umvuzo wakho njengoko isitatimenti sekhredithi sinokunciphisa ibhalansi yakho ephumayo. Ewe, ukuba awuzange uhlangabezane nokuhlengahlengiswa kwesiqhekeza ungafuneka uvume ukulahlekelwa yimbuyekezo. Oku kunokwenzeka ukuba umnikeli wakho wekhadi lesikweletu ufuna ukuba uhlawule umvuzo wakho ngokunyuka kwama-$ 25 kwaye unayo i-$ 15 kuphela.
4. Qhagamshelana nomthengi wekhadi lomthengi wekhadi
Yenza umnxeba ngeenkonzo zamakhasimende akho ekharityhulam usebenzisa inombolo yefowuni emva kwekhadi lakho lesikweletu. Makhe ummeli azi ukuba ufuna ukuvala iakhawunti yekhadi lakho lesikweletu. Ungamangaliswa ukuba ummeleli uzama ukuthetha nawe ukugcina i-akhawunti yakho ivulekile. Ngokomzekelo, banokunikela ngenjongo yokunciphisa umlinganiselo wakho wenzala okanye ukubhalisa kwinkqubo yembuyekezo njengenkuthazo.
Ukuba uqinisekile ukuba ufuna ukuvala i-akhawunti, ungavumeli ukuba uqiniseke ngenye indlela. Qaphela usuku kunye nexesha owenze ngalo sicelo.
5. Landela ngokubhala.
Landela kunye neleta kumkhupheli wekhadi lakho lekhredithi ukuze urekhodi lwesicelo sokuvalwa kwekhadi lakho lesikweletu. Faka igama lakho, idilesi, kunye nenombolo yekhadi lesikweledu lesikweletu (okanye ubuncinane iidijithi ezine zokugqibela zekhadi). Bika ukuba wenze isicelo ngefowuni ukuba ivalwe i-akhawunti kwaye uqaphele umhla wesicelo. Thumela ileta yakho ngeposi eqinisekisiweyo ukuba unobungqina bokuba le ncwadi yithunyelwe ngeposi kwaye ifunyenwe ukuba loo nto inokuze ibuze. Gcina ikopi yileta kunye neeresi eqinisekisiweyo yeposi kwiirekhodi zakho.
Umnikezeli wakho wekhadi lokuthenga ngekhredithi uya kuvama ukuvala ikhadi lakho lesikweletu nangona ungahambelani neleta.
Ukuthumela ileta kukunika ubungqina bokuba wenze isicelo sokuba i-akhawunti yakho ivaliwe ukuba ingabe ibuza into ezayo.
6. Khangela ukuqinisekisa ukuba i-akhawunti yakho ivaliwe.
Kwiiveki ezimbalwa, khangela ikopoti yakho yekhredithi ukuqinisekisa ukuba ikhadi lekhredithi libiwe livaliwe nguwe. Unokujonga ingxelo yakho yekhredithi mahhala ngokuya kwi-AnnualCreditReport.com okanye ngokusebenzisa isevisi yamahhala njengeKharma Karma, iSesh Sesame, okanye i-WalletHub.
Akuyi kuba yenzakalisa inqaku lakho lekhredithi xa kungabonakali ngathi kuvaliwe okanye ukuba kubikwa ukuba kuvaliwe ngumniki wekhadi lakho lesikweletu , kodwa ufuna ukuba ingxelo yakho yekhredithi ibonakalise ngokuchanekileyo isimo se-akhawunti yakho. Xhagamshelana nomniki wekhadi lakho lesikweletu okanye ufake ingxabano kunye ne-bureau ye-credit xa iakhawunti yakho yekhadi lesikweletu ayichazwa njengevaliwe.