Nangona unokuba nemibandela eyodwa okanye emibini echaphazela kakubi umlinganiselo wakho wekhredithi, kunye nesicwangciso esithile kunye nomonde, zonke iingxelo zeengxelo zemboleko ziyakulungiswa.
Ulwazi olungalunganga kwiNgxelo yakho yeMboleko
Ukuthetha ngokuthe tye, into elula ukukulungisa ingxelo yengxelo yemboleko ingcaciso engalungile. Iiphoso zecala zingakhokelela lula kwiiphoso zengxelo zekredithi . Musa ukuwabalalisa ezi mpazamo kuba zinokulimaza ikhredithi yakho. Hambisa ileta yengxabano yengxelo yemboleko ukuze ufumane ulwazi olungalungile.
IiNkcazo ezidlulileyo
Imbali yakho yentlawulo inefuthe elikhulu kumanqaku akho ekwereti. Ukuhlawulwa kwexesha elizayo kuya kuphazamisa amanqaku akho okwekhredithi ngaphezu kwanoma yintoni enye njengembali yentlawulo yeepesenti ezingama-35 ze-FICO. Yenza kwangoku kunaliphi na iakhawunti ephazamisayo. Ukuba unayo i-akhawunti engama-30 okanye kwiintsuku ezingama-60 ngokukhawuleza, yenza ezo ntlawulo zibagcine ukuba bangabikho kwi-credit to your credit. Xa ii-akhawunti zidlulileyo iintsuku ezingama-90, zibhekwa njengezigqithiseleyo kwaye ziya kuqokelela.
Ukuxoxisana nababolekisi kunye nabaqokeleli beetyala ukuba ususe i-pay-offs kunye ne- akhawunti yokuqokelela kwingxelo yakho ye-credit.
Akudingeki ukuba basuse le ngcaciso, kodwa unokukwazi ukuxoxisana nabo ngokuhlawula ukususwa . Ukuba i-akhawunti sele ihlawulwe kakade, iileta zokuncedisa iyakuthi ibhetri yakho ibhetele.
Amanani eBhalansi aphezulu kunye noNyaka
Inqanaba lakho letyala linempembelelo yesibini kumgangatho wakho wekhredithi njengama-30 ekhulwini kwinqanaba lakho le- FICO .
Ngokufanelekileyo, izilinganisi zekhadi lakho lesikweletu kufuneka zibe okanye zingaphantsi kweepesenti ezingama-30 zomyinge wakho wemali . Oko kuthetha ukuba kufuneka ube nenani elingaphezulu kwama-$ 300 kwikhadi lesikweleti elinomyinge we-$ 1,000.
Okokuqala, gxininisa ukuletha i-balance-limit-balance under the limit of your credit limit. Emva koko, sebenzela ukuzisa zonke izilinganiso zamanqaku akho ekhredithi phantsi kwinqanaba elincomekayo lokuthenga ngetyala .
Izigwebo ezingahlawulwa
Ukuhlawula naziphi na izigwebo ezikhoyo. Baza kuhlala belimaza i-credit yakho de uze uyihlawule okanye ide iwele emva kweminyaka eyisixhenxe okanye emva kommiselo wemingcele , nokuba yiyiphi into ezayo kuqala.
Ingxowa yomfundi ngokungekho
Ukungahlawulwanga kwemali yomfundi akusoloko isigxina. Thetha nomboleki wakho ukufumanisa ukuba zeziphi izikhetho zokubolekisa ngemali mboleko kubafundi ukuzithumela ngaphandle. Ngokuqhelekileyo, kuya kufuneka wenze iinyanga ezininzi zeentlawulo ezifike ngexesha ngaphambi kokuba umboleko wakho womfundi uza kuqwalaselwa njengamanje. Kwiimeko ezithile, unokufuna ukuqwalasela inkqubo yokuxolelwa kwemboleko yomfundi .
Ukuqhawula, ukuQala, ukuHlawulwa kweeNtlawulo zeNtlawulo, izigwebo ezihlawulwe
Ngolu hlobo lwangeniso, akukho nto yokulungisa, ngaphandle kokuba ukungena kungalunganga. Kuloo meko, uya kusebenzisa inkqubo yokuphikisana ukuba inqaku lisuswe kwingxelo yakho yekhredithi. Kusenokwenzeka ukuba usebenze neenkundla kunye neebhanki ukuba iirekhodi zazo zihlaziywe.
Ukuba ukuhlawulwa kwebhanki okanye olunye ulwaphulo olunzulu ludweliswe kwingxelo yakho yekhredithi, gxininisa ekwakhiweni kwetyala lakho ngokungongeza imbali yentlawulo kunye nokubonisa ukuba unokulawula i-credit yakho . Ukuba awukwazi ukuvunyelwa kwikhadi lekhredithi rhoqo, isicelo sekhadi lesikweletu elikhuselekile . Sebenzisa ikhadi ukuze wenze ukuthenga okuncinci kwaye uhlawule i-bill yakho ngokupheleleyo ngenyanga.