Kuphi ukufumana iifayile zeentengo zemali kunye neentlawulo zeentengo zemali
Inani lakho lekhredithi liyinombolo elineethathu ezintathu ezisetyenziselwa ibhanki ukuvumela isicelo sakho kumakhadi-mboleko, iimali-mboleko kunye nezinye iinkonzo ezisekelwe kwi-credit. Amabhanki awawodwa amashishini abasebenzisa umlinganiselo wakho wekhredithi, nangona kunjalo. Uya kufumana ukuba iinkampani zesebenzisi, abanikazi bezindlu, ababoneleli befowuni, kunye nezibhedlele zonke zikhangele amanqaku akho.
Kutheni Ufanele Uhlolisise I-Score Score yakho
Kufuneka ujonge amanqaku akho esikhokhelo ngokukhawuleza ukuze ubone apho umi khona, kodwa ukujonga phambi kokuba wenze i-credit enkulu okanye isicelo sakho semboleko kuyinto efanelekileyo.
Oku kuya kukunika ingcamango yokuba uya kuvuleka okanye awukho kunye nenani lentengo onokulindela. Abantu abaneengxelo zekhredithi ezingaphantsi kwe-620 bakuthola kunzima ukufumana izicelo ezivunyiweyo kwaye zishiywe ngamanani entengo aphezulu.
Uhlobo lweeMpawu ezahlukeneyo
Amanqaku ekhredithi lixesha eliqhelekileyo linikezelwa kwixabiso lexabiso leengxelo zakho zemali. Kukho "imveliso" ekhethekileyo yezikolo zemali ezisebenzisiweyo. Umlinganiselo weFICO, ogqitywe ngabavelisi bawo i-Fair Isaac Corporation, uphawu olusasaziwa kakhulu kumanqaku ekhredithi. I- VantageScore yenye yoluhlobo lwamanqaku ekhredithi aphuhliswe ngamanqanaba amathathu e-credit-e-Equifax, i-Experian, ne-TransUnion.
Iindlela ezihlanu zokufumana amanqaku akho eNgxowa-mali
Kukho iindawo ezimbalwa ezahlukileyo ongazithenga ngayo umvuzo wakho, kodwa nakhu ezinye zezona zihloniphekileyo.
- MyFico.com . Le yindawo kuphela apho ungathenga khona umlinganiselo wakho weFICO. Unokuyalela umlinganiselo wakho weFICO ngokusekelwe kwingxelo yakho yekhredithi e-Equifax, Experian, kunye neTransunion. Kwiminyaka embalwa, abathengi abakwazanga ukuthenga izikolo zabo ze-FICO ngokusekelwe kwirekhodi yengxelo ye-creditan. Ngombulelo, i-FICO kunye ne-Experian iye yavuselela ubuhlobo babo kwaye iphinda ivumele abathengi ukuba bathenge izikolo ze-FICO ezisekelwe kwi-Experian.
- Naliphi na i-credit bureaus . Unokuthenga i-individual-3-in-1 izikolo zekredithi ukusuka nganye kwiziko lemali-mboleko. Hlalani nikhumbule ukuba nganye i-credit bureau ine-model rating yayo, ngoko ke izikolo zakho zekhredithi zingahlukana kunye kwaye zize zihluke kumlinganiselo wakho we-FICO.
- Iiwebhusayithi zeekhredithi zamahhala . Iiwebhusayithi ezintathu zinikezela ngokukhululekileyo ngokupheleleyo, akukho-kubhaliso-ezifunekayo zemali zekredithi. Ziyi-CreditKarma.com, i-CreditSesame.com kunye ne-Quizzle.com. Qaphela nayiphi na amanqaku ekhredithi ekhululekile ekucela ukuba ufake inombolo yekhadi lesikweletu. Ubhalisile kwi-trial subscription kwi-service monitoring monitoring. Ukuba awuyikukhansela ngaphambi kokuba uvavanyo luphelile, inkampani iya kuqala ukuhlawula ikhadi lakho lekredithi ngenkonzo.
- Isitatimende sakho sekhadi lesikweletu . Abanye abanikidi bekhadi lesikredithi bathatha inxaxheba kwinkonzo entsha ye-FICO evumela abanikazi bamakhadi ukuba bajonge izikolo zabo zeFICO mahhala. Kuze kube ngoku, Qaphela , iBarclaycard kunye ne-First National Bank ye-Omaha amakhadi-krediti abhalise kwinkqubo ye-FICO. Ukuba umniki wekhadi lakho lesikweletu uthatha inxaxheba, kufuneka ukhangele ingxelo yakho yenyanga ukuba ubone umlinganiselo wakho weFICO wangoku.
- Kukhanyelwa ngetyala okanye kuvunyelwe ngamagama angancinci . Le ndlela ayikho into ekhohlisayo, kodwa yile ndlela isebenza ngayo. Ababoleki kunye nabaniki bamakhadi-kredit banokufuneka bathumele ikopi yamanqaku ekhredithi esetyenziswe kwisigqibo sokukhanyela isicelo sekhredithi okanye ukuvunywa kwesicelo, kodwa ngegama elincinci kunezona zicelo. Awunakwenza nantoni na ukufumana le nqanaba lekhredithi kodwa ufake isicelo. Ukuba ufanelekile, ufumana umvuzo wesikweletu ngokuzenzekelayo.
Ukuba awufuni ukungena kwi-intleko yokulawulwa kwamanqaku akho okweleta okanye ukutyikitya inkonzo entsha, ungasebenzisa i-MyFICO.com ye- credit rating estimator score . Isixhobo silinganisela amanqaku akho ekhredithi ngokusekelwe kwingcaciso oyifakayo malunga nembali yakho yekhredithi. Uya kufuneka uqhelane nolwazi kwingxelo yakho yekhredithi ukuze uqikelele ukuqikelelwa okuchanekileyo kwinqanaba lakho lesikweletu.
Nangona kungekho mthethweni weekhredithi zemali-mboleko zamaziko angaphandle, bonke abathengi banelungelo lokukhuphela iikopi zabo zeekhredithi ngonyaka ngamnye kwii-ofisi zesikweletu nge-AnnualCreditReport.com.