Iimpawu zeFICO yakho yeMatyala
Uphi I-FICO I-Credit Score evela
I-FICO yakho yamanqaku ekhredithi ibalwa yi-Fair Fair Corporation. U-Isaac ontle ubheka ulwazi kwingxelo yakho yekhredithi , kwaye uqokelela idatha usebenzisa ifom yefayile.
Qaphela ukuba amanqaku akho okwekhredithi ye-FICO ayenzi nje ngcaciso njengoko u-Isaac Fair ukhona. Ukuba kukho ulwazi olungafanelekanga okanye olude lwangoku, luyakuchukumisa amanqaku akho ekhredithi ye-FICO .
Indlela i-FICO yeKharity Score idibene ngayo
Ukudala amanqaku ekhredithi ye-FICO, u-Fair Fair usebenzisa iincwadana ezimbalwa zolwazi:
I-FICO Iimpawu zeMboleko zeMboleko
- 35% Imbali Yentlawulo
- 30% Iimali ezihlawulwayo
- 15% Ubude beTyala
- I-10% entsha yeNtengo
- I-10% Uhlobo lweNkcitho
Ukuba uzama ukuphucula umlinganiselo wekredithi yakho yeFICO, unokufuna ukugxila kwelinye okanye ngaphezulu kwezinto ezingentla. Amaphepha ambalwa alandelayo anokunceda ukuba uthathe amanyathelo ukuphucula nganye yale mimandla.
Kukho okungakumbi kunakho ngaphezu kwe-FICO yeeNgxelo zeNgxowa-mali
Ngaphambi kokuba uphule umva wakho uzama ukulawula amanqaku akho okwekhredithi ye-FICO, khumbula ukuba ababolekisi bangakhangela ezinye izinto ngaphandle kweempawu zesikweletu sakho se-FICO.
Umzekelo, unokukwazi ukubonisa umboleki-mali ofumana umsebenzi ohlawulekayo oza kukuvumela ukuba uhlawule zonke iintlawulo zakho zetyala - oku akuyiyo into eya kuvela kwi-FICO yakho yamanqaku okuthenga ngetyala.
Ukuphuculwa kweeNkcazo zeMatyala - iMbali yeNtlawulo
- Bhatala ngexesha , akukho mfihlelo yemilingo apha
- Ukuba awukwazi ukuhlawula ngexesha, yazisa umboleki wakho omele usebenze okuthile
- Fumana kwangoku kwiakhawunti ezidlulileyo
Ukuphuculwa kweeNkcazo zeMatyala - Iimali eziKhokhwayo
- Gcina izilinganiso eziphantsi ngokumalunga nomda wakho wemali- 30% okanye ngaphantsi .
- Musa ukuvula ii-akhawunti ezintsha nje ukunciphisa amandla akho ekhredithi asetyenziswayo-nokuba nomthamo omkhulu kunomngcipheko nawo
Ukuphuculwa kweeNgxelo zeMatyala-Ubude beCandelo leNgetyala
- Cinga ukugcina iincwadi ezindala zivulekile ukuba ube ngumboleki olungileyo
- Qala ukwakha isikweletu ngokukhawuleza
Ukuphuculwa kweeNkcazo zeMatyala - Udidi olutsha lweNtengo
- Xa uthengisa ityala elitsha, ligcine konke ngexesha elifutshane nje ngeentsuku ezili-14 okanye ngaphantsi
- Ababoleki abanembali embi banokuphucula amanqaku esikweletu ngokuvula i-akhawunti entsha nokuyilawula ngokufanelekileyo
Ukuphuculwa kweeMali zeMatyala - Iintlobo zeNkcazo yeNtengo
- Inkokhelo yesikhokelo (apho uhlawula khona izitolimende zenyanga zonke ukuphelisa ityala) "kungcono" kunokuba ityala elivukelayo ( ityala elivulekileyo lekhadi lesikweletu)
- Amanye amatyala eenkampani zemali (njengokuthenga imveliso kunye nomthengisi ngemali) unokunciphisa amanqaku akho
- Iindidi ezahlukeneyo zemboleko ziyanceda. Bayazi ukuba ungumboleki ovuthiweyo ukuba unemali mboleko , umbolekiso wemoto , amakhredithi ambalwa , kunye nemboleko yomfundi . Ukuba yonke into enetyala lekhadi lesikweletu , uya kubonakala ungenalwazi
Ngokuqhelekileyo, kufuneka ukwazi ukuba kuthatha ixesha kunye nokuqeqesha ukuphucula amanqaku esikweletu. Imithetho ekhankanywe ngasentla kufuneka ibe yinto yesibini kuwe. Ekugqibeleni, ungawa naziphi na izithembiso zokuphucula izikolo zekhredithi ngobusuku (okanye ngemali).
Kwiimeko ezinqabileyo, unokufumana iimpazamo ezisemthethweni zisuswe kwiirekhodi zakho zekrediti ngokukhawuleza kunokuba ziqheleke (usebenzisa ukulungiswa ngokukhawuleza ), kodwa akukho nto ongayenza malunga nolwazi oluchanileyo.