Imvelaphi emfutshane malunga neNkqubo yeMisebenzi yeNgxowa-mali
Ukuba uqala nje ukwakha i-credit yakho ukususela ekuqaleni, kuya kuthatha ubuncinane inyanga ezintandathu ngaphambi kokuba ube nomlinganiselo wokuthenga ngetyala.
I- credit score score algorithm ifuna ukuba ubuncinane i-akhawunti enye isebenze ubuncinci kwiinyanga ezintandathu ngaphambi kokuba ivelise umlinganiselo wesikweletu kuwe.
Amanqaku akho ekhredithi asekelwe kwingcaciso kwingxelo yakho yekhredithi. Luhlobo lwebakala olubonisa indlela oye walungisa ngayo i-credit ngexesha elidlulileyo. Ngaphandle kolwazi olulodwa kwingxelo yakho yekhredithi, akukho manqaku ekhredithi angenziwa ngawo.
Emva kokuba unayo i-akhawunti evulekileyo ubuncinane ubuncinane kweenyanga ezintandathu, ke umlinganiselo wakho wekhredithi unokuveliswa. Amanqaku esikweletu abalwa ngokusekelwe kwimbali yakho yentlawulo, inani lematyala, inani lemali oye wafumana amavareji, iintlobo zeakhawunti onamava kunye nenani lentlawulo yezicelo zemali zentengiso ezenzileyo.
Ngaphambi kokuba Uqale Ukwakha iNgxowa-mali
Naliphi na ulwazi olungalunganga kwingxelo yakho yekhredithi kunokukwenza kube nzima ukwenza i-credit yakho. Ngokomzekelo, ukuba unamaqoqo amatyala endala okanye amanye amatyala angakhokhelwa awonakalisa amanqaku akho, kukulungele ukunyamekela ezi phambi kokuba uzame ukuphucula amanqaku akho.
Ilungelo lakho lokunika ingxelo echanekileyo ngetyala kukuvumela ukuba uphikisane neziphene kunye nee-credit bureaus. Unokufumana ukuba kukho iiphoso kwingxelo yakho yekhredithi ngokutshekisha eyakho inkululeko nge-AnnualCreditReport.com. Ukuba ubona amaphutha, ungabhalela kwii-credit bureaus ucele ukuba zisuse izinto ezingachanekanga kwingxelo yakho yekhredithi.
Ukuba unobungqina bephutha, thumela ikopi ukukunceda ukuxhasa ibango lakho. (Gcina i-original yakho kwiirekhodi zakho).
Iindlela ezikhawulezileyo zokwakha iNgxowa-mali
Emva kokuba uphendule i-akhawunti engakabikho kwi-credit yakho, ukuba unayo nayiphi na, isinyathelo esilandelayo kukuqala ukongeza ulwazi oluntle.
Yiba ngumsebenzisi ogunyazisiweyo kwikhadi lomntu wesikweletu . Ukuba ngumsebenzisi ogunyazisiweyo kuthetha ukuba unako ukusebenzisa ikhadi lomntu wesikweletu, kodwa akukona uxanduva lokwenza iintlawulo. Emva kokuba ungumsebenzisi ogunyazisiweyo, yonke imbali ye-akhawunti yongezwa kwingxelo yakho yekhredithi kwaye ifakwe kwinqanaba lakho lekhredithi. Ukuba ungeze kwikhadi lesikweletu somntu, kufanele ukuba ngumngane okanye ilungu lelungu lentsapho kunye ne-balance balance kwaye akukho mlando weentlawulo zexesha elide.
Fumana ikhadi lekhredithi elikhuselekile okanye ezimbini, kunye nomda ophezulu wekhredithi ukuba unakho ukuthenga . Ikhadi lekhredithi elikhuselekileyo lilula ukufumana imvume yokuba wena Unokulawula umda wesikweletu kwikhadi lekhredithi elikhuselekile ngokuhlawula idiphozi ephakamileyo. Ukujongana nemilinganiselo emikhulu yemboleko kuya kunceda ukuphucula amanqaku akho okwenza imali kunye nokuvumela ukuba ufaneleke kumakhadi ekhredithi angakhuselekanga eneemali eziphezulu.
Qinisekisa ukuba uhlawula ngexesha ngalinye ngenyanga . Emva kokuba unayo i-akhawunti yakho, ukuhlawula ngexesha liyona nto ingcono kakhulu ongayenza ukwakha amanqaku amatyala entle.
Imbali yokuhlawula iyona nto ibalulekileyo ekuchaphazela amanqaku akho ekwereta. Ingakumbi kwiintlawulo zexesha unalo, bhetele. Kwinqanaba elongezelelweyo, kufuneka ufumane intlawulo encinane yentlawulo yakho ngexesha, ngoko ujonge ukuhlawula ubuncinane ubuncinane ngosuku olufunekayo ngenyanga.
Gcina ukulinganisela kwekhadi lakho lesikweletu . Isibini esona sikhulu esikhulu esichaphazela umlinganiselo wakho wekhredithi ngumyinge wetyala ophetheyo. Ukugcina ukulinganisela kwekhadi lakho lesikweletu phantsi kweepesenti ezingama-30 zomda weekhredithi kukulungele ukwakha isikweletu.
Yintoni Okufanele Uyiphephe Nangona Ukwakha Iingxowa-mali
Ngelixa usebenza ukwenza ukwakha i-credit yakho ngokukhawuleza, ufuna ukuphepha iimpazamo ezinokuphelisa.
Gwema ukuthatha amakhadi amaninzi ematyala ngexesha elinye kwisilingo sokwakha amanqaku akho ekhredithi ngokukhawuleza. Ukuba neakhadi zamatyala angeke akwenze i-credit card yakho ibhadule ephahleni.
Enyanisweni, ukuvula amakhadi amaninzi ematyala ngexesha elincinci lingazilimaza umlinganiselo wakho wekhredithi ngexesha elifutshane. Akunjalo nje kuphela, ukuthatha amakhadi angekrediti ngaphezu kokuba unokusingatha kukubeka engozini yokuhlawulwa kwexesha elifutshane, ukunyuka okuya kubangela ukuba kuphazamisekise amanqaku akho.
Hlala kude nokuthengwa kwamanqaku . Ezinye iinkampani zokulungisa iikredithi zithi zinokukunceda ukuphucula umlinganiselo wakho wekhredithi ngokuthengisa i-akhawunti-yeakhawunti kunye neembali zemali zemali ezisekelwe kakuhle ukuba ungeze nje igama lakho ukuze ukhutshwe ngokukhawuleza ngekhredithi. Iinkampani zokuthenga ngetyala zixhomekeke ngokwaneleyo ukuba zixelele ukuba ungumsebenzisi ogunyazisiweyo kwi-akhawunti evela kwisihlobo kwaye xa ungeze kwi-akhawunti ngenjongo yodwa yokukhulisa amanqaku akho.
Gcina ingqalelo, ukwakha i-credit yakho kukubandakanya ukuba ubonise ukuba ungayisebenzisa ngokufanelekileyo inkokhelo. Ukuba neakhawunti evulekile, esebenzayo ohlawula ngexesha, yindlela ekhawulezayo yokwakha i-credit yakho.