Yithini Inombolo Yakho Yesikweletu?
Umlinganiselo wakho wekhredithi ngowona manani obalulekileyo ebomini bakho. Kubalulekile njengenombolo yakho yefowuni, ibhalansi yakho yebhanki yebhanki, okanye inombolo yakho yokhuseleko loluntu. Ababolekisi nababolekisi baya kujonga amanqaku ekhredithi yakho ukugqiba ukuba ngaba uyavuma yini isicelo sakho. Kufuneka ujonge amanqaku akho esikwereti, kwakhona, ukuze ube nombono wento ababolekisi bakho kunye nomthengisi abaya kubona xa bekhangela amanqaku ekhredithi.
Kuphi ukufumana amanqaku akho eNgxowa-mali?
Unokuyalela umlinganiselo wakho wekhredithi - e sekelwe kwingxelo yakho yekhredithi - evela kwimithombo eyahlukeneyo. Okokuqala, unokukhangela amanqaku akho ekhredithi mahhala ngezinye zezi nkonzo: CreditKarma.com, CreditSesame.com, Quizzle.com, WalletHub.com, kunye neLendingTree.com. Abanye abakhupha amakhadi ekhredithi benza ukuba amanqaku akho ekhredithi atholakale kwisitatimenti sakho sokuhlawula okanye kwi-intanethi kwiwebhusayithi yabo. Ekugqibeleni, ungathenga amanqaku akho okwekhredithi ukusuka kuyo nayiphi na inkulu yemali-mboleko-i- Equifax, i-Experian, ne-TransUnion-okanye nge-myFICO.com.
Xa uyala umlinganiselo wakho wekhredithi, konke onakho phambi kwakho yinombolo. Ukuba awuzange ulandele umlinganiselo wakho wekhredithi ngaphambili, okanye ukuba sele ude uhlolisise umlinganiselo wakho wekhredithi, awukwazi ukuqonda oko ukhangeleyo. Kufuneka ufunde indlela yokufunda amanqaku akho ekhredithi ukuze uqonde ukuba uluphi uhlobo lwamanqaku akho e-credit. Iinkampani ezininzi ezithengisa umlinganiselo wakho wekhredithi ziza kufaka i-gauge ekunceda ukuba ufunde amanqaku akho.
Leli garaji liyakunceda ukuba ufumane ukuba unetyala elihle okanye elibi kunye neemeko ezichaphazela amanqaku akho.
Yithini Ingxelo Yakho Yesikweletu?
Amanqaku okuthenga ngetyala anenani leenombolo ezintathu, ngokuphindaphindiweyo ukususela kwi-300 ukuya ku-850, kunye ne-300 ibe yinqanaba le-credit ephansi kunazo zonke onokukwazi ukuba nalo kunye ne-850 ibe yimivuzo ephezulu kakhulu yekhredithi.
Ukuphakama kwamanqaku akho ekhredithi kwinqanaba, i-credit yakho ingcono. Ezinye iimodeli zokumakisha iikredenti zingasebenzisa uluhlu oluthile, kodwa amanqaku aphezulu aya kuba ngcono kunokuba asezantsi. Ngokubanzi, amanqaku eebredithi awela kuluhlu olulandelayo:
- Ngaphezulu kwe 750: ityala elihle kakhulu
- 700-750: ityala elihle kakhulu
- 650-700: entle ngetyala
- 600-650: ezimbi
- Ngaphantsi kwe-600: kubi kakhulu
Amanqaku ekhredithi aphezulu athetha ukuba wenze umsebenzi omhle wokulawula i-credit yakho ngaphambili. Uphethe kakuhle i-akhawunti yakho yemali-mboleko, wagcina izilinganiso zakho kwizinga elilawulwayo, wenze iintlawulo zakho ngexesha, kwaye ugweme ukukhwabanisa kwekhredithi enkulu . Ngomlinganiselo ophezulu wokuthenga ngetyala, unakho ukuba ube nekhadi lakho lekhredithi kunye nezicelo zemboleko ezivunyiwe kunye nemigangatho efanelekileyo kakhulu.
Ngakolunye uhlangothi, izikolo eziphantsi kwamatyala zibonisa ukuba unenkathazo yokulawula i-credit esikhathini esidlulileyo. Mhlawumbi uye wahlawula izikwere zekhredithi eziphezulu, ubolekwe ngaphezu kokuba unakho ukuhlawula, ukulahlekelwa iintlawulo ezininzi, okanye mhlawumbi ube ne-foreclosure okanye ukubuyisela. Umlinganiselo wekredithi ophantsi wenza kube nzima ukufumana imvume yamakhadi-mboleko kunye neemboleko. Xa uvunyiwe, unokufumana inzala ephezulu.