Phakathi kokucwangcisa umtshato wakho kunye nokucwangcisa ubomi kunye nalowo umthandayo, enye yezinto ocinga ukuba yintoni umtshato oya kuchaphazela ngayo amanqaku akho. Ingaba ikhredithi yomlingani wakho iya kuthintela yakho okanye ngokuphambene nayo? Emtshatweni, ubomi obuninzi budibeneyo; ngaba oku kuquka i-credit yakho?
Yintoni eyenzeka Ngetyala lakho xa ushada
Okokuqala, iindaba ezilungileyo. Kwiimeko ezininzi, akukho nto iya kwenzeka kwi-credit yakho emva kokuba utshintshe "I-dos." Wena kunye nomlingane wakho uya kuqhubeka nokufumana iingxelo zeentengo zemboleko eziqulethe iimbali zakho.
Imbali yekhredithi yomlingani wakho ayiyi kuvela kwingxelo yakho yekhredithi. Ingxelo yakho yekhredithi ayiyi kuvela. Ngoko ke, ukuba lakho iqabane lingumlando wentengo engekho, akukho mntu uya kukwazi ngokujonga ingxelo yakho yekhredithi.
Ngethamsanqa, umlinganiselo wakho wekhredithi awuyi kuqubuka ngenxa yokuba utshata nomntu onomlando weebhanki. Akukho namanqaku akho aya kuphucula ngokukodwa kwinqanaba lakho lekhredithi elifanelekileyo. Umvuzo ngamnye womtshato uza kuqhubeka kubalwa ngokusekelwe kwingcaciso kwingxelo yakhe yekredithi.
Ingaba igama liya kutshintsha umlando omtsha?
Ukuba iqabane liguqula igama labo, igama elitsha liya kubonakaliswa kwingxelo yengxelo yomtshato. Inkolelo yokuba umfazi oguqula igama lakhe uyonakalisa imbali yakhe yembali yedyala ayiyinyaniso. Ekubeni ulwazi lomntu ngamnye weengxelo zemboleko luxhomekeke ngokukhawuleza kwinombolo yezokhuseleko loluntu, iqabane elitshintsha igama labo liya kuqhubeka liba neengxelo zekredithi enye kunye neengxelo phantsi kwegama elidala kunye namagama amatsha.
Ngamanye amaxesha i-credit bureaus iphosakele idala iifayile zekredithi ekwahlukileyo emva kwegama lokutshintsha, kodwa oku akufanekanga kwaye akufanele kwenzeke. Ukuba oku kwenzeka kuwe, unokuqhagamshelana ne- bureaus ye-credit ukuze iifayile zakho zekredithi zihlanganiswe kwakhona.
Ixesha leNkcitho yakho yomtshato ithinteka njani kuwe
Ukuba wena kunye neqabane lakho nifake isicelo sekhadi lesikweletu okanye umbolekiso, zombini izikolo zakho zekhredithi ziya kuhlolwa ukuze zivume i sicelo.
Ukuba omnye okanye bobabini unomvuzo ongekho mthethweni , kukho ithuba lokuba isicelo sakho asiyi kuvunyelwa. Okanye, ukuba isicelo sivunyiwe, inzala kunye nemirhumo ingaba phezulu kunokuba ngaba iqabane elinomlinganiselo ophezulu wekhredithi usetyenziswa ngokwahlukileyo.
Ngeakhawunti ezidibeneyo kunye ne-akhawunti yomsebenzisi ogunyazisiweyo , imbali ye-akhawunti kuphela ixelwa kwiingxelo zeentengo zomtshato, nokuba ngaba omnye umlingane osebenzisa i-akhawunti kuphela.
Kwiingxelo ezidibeneyo , bobabini abatshatileyo banomsebenzi wokwenza ikhadi lokuthenga ngetyala kunye neentlawulo zemboleko. Ukongezelela, ukuba i-akhawunti iyangcolisa, umbolekisi okanye umboleki uya kuzama ukuqokelela kubini abesilisa nabini. Nge-akhawunti yomsebenzisi ogunyazisiweyo , umnini-akhawunti oyintloko kuphela onoxanduva lokusemthethweni ukuhlawula ityala lekhadi lesikweletu .
Xa omnye umfazi ephethe kakubi
Xa wena kunye neqabane lakho ninamanani ahlukeneyo ekrejethi, kufuneka unqume indlela ofuna ukujongana ngayo nezicelo ezisekelwe kwi-credit. Ingaba iqabane elithengileyo ngetyala liza kwenza zonke izicelo zifumane amazinga angcono? Uya kufaka isicelo kunye kunye nokwamkela inzala ephezulu yokuphucula umlinganiselo wekredithi yomnye umlingane ? Ezi zigqibo zixhomekeka kwiimeko zakho zemali kunye nezinto eziphambili.