Iakhawunti yakho yekhadi lesikweletu iqwalaselwa ngaphambili ngenxa yokulahlekelwa ukuhlawulwa kwekhadi lakho lesikweletu. Ixesha elidlulileyo ngenxa yokuba iakhawunti yakho iya kuba, umthengi wakho okanye umboleki-mboleko wenza ntoni ukuba ufumane kwakhona.
Xa i-akhawunti yakho iphela nje ngenxa yokudlulela, imizamo yokuqokelela ilula. Ngokomzekelo, unokufumana ifowuni yomnxeba onobungane okanye idlulileyo ngenxa yetale ekukhumbuza ukuba uhlawule. Njengoko i-akhawunti yakho ithola emva koko, iileta kunye neefowuni zifumana ngakumbi. Impembelelo kumanqaku akho ekhredithi nayo ibaluleke nakakhulu xa i-akhawunti yakho ihamba ngeentsuku ezili-90 ezidlulileyo. Ukuba unayo i-akhawunti okwangoku idlulileyo ngenxa yoko, kukho iindlela ezimbalwa zokujongana nazo.
01 Bhatala yonke idlulileyo ibhalansi.
02 Khangela.
Ngamanye amaxesha ibhalansi yakho yokudlulela ibingakanani kakhulu ukuhlawula konke kanye. Thetha kumboleki wakho ngokusasaza i-balance balance eyadlulileyo kwiinyanga ezimbini okanye ezintathu. Ngaloo ndlela, unokufumana ixesha elide. Nangona umbolekisi wakho akayi kuvumelana ngokusemthethweni kwisicwangciso sokukufumana, unako ukuthumela iintlawulo ezongezelelweyo. Thumela ngokubanzi njengoko unako ukude ufumana bonke.
Qaphela, nangona wenza iintlawulo, i-akhawunti yakho ayinakuqwalaselwa "njengamanje" de uze ufumaneke. Ukuba awuyi kubamba ngaphambi kokuba ube yiminyaka eyi-180 edlulileyo ngenxa, i-akhawunti yakho iya kuhlawulwa. Ngelo xesha, i-akhawunti yakho iya kuvalwa kwaye ibhalansi yonke iya kuzaliswa ngokupheleleyo.
03 Xubusha umvuzo wokususa.
Ukuba unako ukuhlawula i-balance balance, kufuneka ukuba ucele umbolekisi ukuba aphinde abuyisele i-akhawunti yakho ibonakalise ukuba ulwaphulo-mthetho alubonakali. Ababolekisi akudingeki ukuba benze oku, kodwa abanye baya kuvuma ukuba eli lixesha lokuqala ulahlekile kwiintlawulo zakho.
04 Qinisekisa iakhawunti.
Ukudibanisa i- akhawunti yakho ayiyihlawuli, ngeyodwa. Endaweni yoko, uye wagxotha inkokhelo ngeenxa zonke ukuze kube lula ukuhlawula. Ukuhlanganiswa kwetyala kuzisa i-akhawunti yakho yangoku kunye nokukunceda ukuba ugweme ukuhlawulwa kwemali, kodwa ngoku unetyala elitsha lokuhlawula.
Unokuhlanganisela usebenzisa ukutshintshela imali kunye nokuhambisa ibhalansi kwenye ikhadi lekhredithi. Qaphela ukuba kungathatha iiveki ezimbalwa ukugqithiselwa kwemali ukugqiba. Yenza isicelo sokudlulisela imali ngokukhawuleza xa ugqiba le ndlela yindlela efanelekileyo yokusingatha i-akhawunti yakho yangaphambili. Ufuna ukudluliselwa ukugqiba phambi kokuba i-akhawunti yakho ityala.
05 Hlela i-akhawunti.
Ukuba ufumanisa ukuba akunakwenzeka ukubuyela kwindlela kunye neentlawulo zakho, ungazama ukwenza isicwangciso sokuhlala kunye nomboleki. Ngokulungisa i-akhawunti yakho, umboleki-mali uyavuma ukwamukela intlawulo yemali ephantsi ukuze anelise i-akhawunti.
Xa unikela isibonelelo sokuhlawula kumboleki, kufuneka ube nemali eyaneleyo yokulungisa i-akhawunti okanye ubuncinane ukwazi ukuboleka. Qaphela xa ulungisa i-akhawunti yakho, isimo se-"Settled" siza kuvela kwingxelo yakho yekhredithi.
06 Ifayili yokuchithwa.
Ukuba unzima kunye neengxelo ezidlulileyo zeeakhawunti kwaye izikweletu zakho zinqabile, unokufuneka ufake ifayile . Akulona khetho olufanelekileyo, kodwa mhlawumbi yinto enokukusebenzela yona. Ngaphambi kokuba uthathe isigqibo sokungena kwi-bankruptcy, thetha kwi-arhente ye-credit counseling-avunywe yinkundla ukufumana ukuba kukho ezinye iindlela onokubanjwa.
07 Funa umcebisi ngezekhredithi.
Ukuba ufunyanwe kwiintlawulo zakho, kodwa unzima ukukwenza ubuncinci ngeveki, icebo lolawulo lwetyala nge-arhente yokucebisa ngetyala inokukusebenzela. Ngelishwa, abanye ababolekisi baya kufuna ukuba bazise i-akhawunti yakho yangoku phambi kokuba bavumelane nesantya senzala esezantsi kunye nentlawulo kwisicwangciso solawulo lwetyala. Ukuba ungeke ukwazi ukubanjwa, i-arhente yokunika iingcebiso ngekhredithi ayikwazi ukukunceda ukugcina i-akhawunti yakho kwi-charge-off.