Abantu abaninzi bavala ama-akhawunti abafuni ukucinga ukuba i-akhawunti iya kususwa ngokuzenzekelayo kwingxelo yabo yekhredithi. Ngelishwa, akunjalo. Ingxelo yakho yekhredithi iqule imbali yeakhawunti yakho yekredithi, zombini ivulekile kwaye ivaliwe, ngoko ukuvala i-akhawunti akuyi kuyenza ngokuzenzekelayo iirekhodi zakho zemali.
Xa uvalela i-akhawunti, isimo se-akhawunti kwingxelo yakho yekhredithi ihlaziywa nje ukubonisa ukuba i-akhawunti ivaliwe.
Ukuba usayenza iintlawulo kwi-balance balance, umlando wakho wokuhlawula umvuzo uya kuqhubeka uhlaziywa inyanga nganye ukubonakalisa ukukhawuleza kweentlawulo zakho.
Xa Kusondele Ukuwa
Iingxelo ezivaliweyo aziyi kuhlala kwi-credit report yakho ngonaphakade. Ngokuxhomekeke kwixesha kunye nemo ye-akhawunti, kunokusondela ukuba ulahle ingxelo yakho yekhredithi ngokulungileyo. Ukuba kunjalo, konke okufuneka ukwenze ulinde iinyanga ezimbalwa ukuba ingxelo yakho yekredenti ihlaziywe.
Uninzi olunolwazi oluchanekileyo luya kubalwa kuphela kwi-akhawunti yakho yeekhredithi iminyaka eyisixhenxe. Ukuba i-akhawunti evaliweyo ibandakanya ulwazi olubi olungaphezulu kweminyaka engama-7, ungasebenzisa inkqubo yokubambisana neengxelo zemboleko ukuze ususe i-akhawunti kwingxelo yakho yekhredithi.
Akukho mthetho ofuna i-credit bureaus ukususa i-akhawunti evaliweyo echazwe ngokuchanekileyo, iqinisekiswe kwaye ayiquki nayiphi na inkcazelo endala, engalunganga. Kunoko, i-akhawunti iyakuthi ihlale kwingxelo yakho yeebhanki kwiminyaka elishumi okanye nayiphi na ixesha ixesha le-credit bureau elimisele ukunika ingxelo nge-akhawunti evaliweyo.
Musa ukuxhalaba - ezi ntlobo ze-akhawunti ngokuqhelekileyo azilimazi umlinganiselo wakho wekrediti nje nje ngokuba zinokulinganisela.
Ukususwa kweAkhawunti eValiweyo kwiNgxelo yakho yeMboleko
Kwezinye iimeko, i-akhawunti evaliweyo inokusebenza kunye nawe, ingakumbi ukuba i-akhawunti ivalwe ngophalaphulo kwaye ibonakalisa kakubi kwi-credit report yakho.
Ukuba unokususa i-akhawunti kwingxelo yakho yekhredithi, umlando wakho wekhredithi uza kubonakala ngcono.
Ngelishwa, ukususa i-akhawunti evaliwe kwingxelo yakho yekhredithi akulula. Ungasusa kuphela i-akhawunti evaliweyo evela kwingxelo yakho yemali kwiimeko ezithile.
Ukuba i-akhawunti ivuliwe ngokuqinisekileyo kodwa ingabonakali ngokungalunganga njengevaliwe, ungasebenzisa inkqubo yenkcazo yeengxelo zemboleko ukuze uyidibanise njenge-akhawunti evulekile. Ukuba libikwe njengevaliwe (xa livulekileyo) lingabangela ubuhlungu kwinqanaba lakho lekhredithi , ngokukodwa ukuba ikhadi lekhredithi linokulinganisela. Unokuphikisana naluphi na olunye ulwazi olungalunganga malunga ne-akhawunti evaliweyo, njengeentlawulo ezibikwe ngokukhawuleza ezahlawulwa ngokukhawuleza ngexesha.
Ungasebenzisa i- goodwill ileta ukuba ucele umboleki-mali ukuba asuse i-akhawunti evaliweyo, ehlawulwe kwingxelo yakho yekredithi. Ababolekisi akudingeki ukuba banikele kwisicelo sakho, kungakhathaliseki ukuba uyabuza kangakanani, kodwa unokufumana inhlanhla kwaye ufumane umboleki-mboleko onobubele kwisicelo sakho.
Ukufumana i-akhawunti ngeemali, umvuzo wokususa isicwangciso esinokukunceda ukuba ususe i-akhawunti evaliweyo kwingxelo yakho yekhredithi. Ukuhlawulwa kweleta yokucima inika inkokhelo ye-akhawunti ngokutshintshisa ukususa kuyo kwingxelo yakho yekhredithi.
Kwakhona, ababolekisi akufanele bahambisane, kodwa ngamanye amaxesha abanye abathengi kunye nabaqokeleli beetyala bavumelana nokulungiselela.