Isikhokelo soPhulo-Post-Bankruptcy Credit Repair
Ingqungquthela ephakanyisiweyo yokuba ukufakela i-bankruptcy kuyonakalise i-credit yakho ngonaphakade. Nangona kuyi nyaniso ukuba i-bankruptcy yenza umonakalo omkhulu kumanqaku akho ekhredithi, ngamanyathelo alungileyo unokufumana ityala elitsha kwakhona. I-Bankruptcy iya kuhlala kwingxelo yakho yebhanki kwiminyaka eyi-10 kwaye ibhalwe phantsi kwinkundla ye-bankruptcy ngonaphakade, kodwa inkokhelo ayiyi kuphelelwa umda kwixesha elipheleleyo lexesha. Uyakwazi ukulungisa i-credit yakho emva kokuphawulwa kwe-bankruptcy ukuze ufumane umvuzo wakho wemali kwi-track.
01 Qinisekisa ukuba ingxelo yakho yekhredithi ibonisa ngokuchanekileyo ukuchithwa kwakho.
02 Hlela ezinye iimpazamo kwi-credit report yakho.
Ingxenye yokulungiswa kwetyala iqinisekisa ukuba ingxelo yengxelo yemboleko ayiqukethe iimpazamo. Ukuphonononga onke ama-akhawunti kwingxelo yakho yemali-mboleko, nakwazo ezingengenxalenye yenkcazo yakho, kunye neziphambeko zokuphikisa ukuba zikhutshwe kwiimbali zakho zemali. Ungasebenzisa kwakhona umvuzo wokususa kunye neendlela zokubakhombisa ukulungiswa kwencwadi ukususa enye ingcaciso engafanelekanga kwingxelo yakho yekhredithi.
03 Qhubeka uhlawula ii-akhawunti ezingekho phantsi kwebhanki ngexesha.
Akukho onke ama-akhawunti akho aya kufakwa kwi-bankruptcy, umzekelo, iimali-mboleko zabafundi azinakukwazi ukukhutshwa kwi-bankruptcy. Iintlawulo ezilungileyo ziya kunceda ukuphucula amanqaku akho okwenza i-credit ngexesha, ngoko qiniseka ukuba uqhubeka ukhokhela nawaphi na amakhadi-mboleko okanye iimali-mboleko ezingenakufakwa kwifayile yakho. Kufuneka uhlale uqhubeka neentlawulo kwiingxelo ezingekho kwi ingxelo zakho zemali-mboleko kuba ziyakwazi ukuxelwa kamva xa uthe wawa emva kweentlawulo.
04 Musa ukuchitha ixesha okanye imali ezama ukutsalwa kwebhanki.
Uza kubona iintengiso ezivela kwiikhampani zokulungisa iitaliti ezithi ziyakususa i-bankruptcy kwingxelo yakho yekhredithi. Abakwazi ukwenza ngokusemthethweni le nto ukuba i-bankruptcy ilungile. Ukuba uzama ukuphikisa uluhlu lwebhanki, luya kuphinda lubuye luqinisekiswe. Kwakhona, iindlela zokulungisa iikredenti iinkampani ezisetyenziselwa ukususa i-bankruptcy kwingxelo yakho yemali-mboleko ayikho mthethweni kwaye ngamanye amaxesha ibangela iingxaki ezininzi kwixesha elide.
05 Khangela i-credit entsha.
Le ngenye yeengxaki ezinkulu zokungena kwi-post-bankruptcy creditment repair, kodwa enye yeyona nyathelo ebalulekileyo yokuvuselela ikhredithi yakho. Kukho amakhadi ekwereta avumela abafakizicelo abanembali yokubhankqalaza, kodwa ukuba unalo inhlanhla nangayiphi na le makhadi emveli yesikweletu, funa ikhadi lekhredithi elondekileyo . Amakhadi okuthenga ngetyala afuna ukuba wenze i-deposit deposit, kodwa ukuba wenza iifizi ngexesha elifanelekileyo unyaka, umniki-khadi unokuguqula ikhadi lakho kumntu ongakhuselekanga. Gcina ukhumbule ukuba i-credit iya kuba yindleko emva kokuphawulwa kwakho.
06 Yenza iintlawulo zekhadi lamatyala ngexeshana.
Izinto ezimbini eziza kukunceda kakhulu amanqaku akhotyala zixesha kunye neentlawulo zekhadi lesikweletu. Xa ufumana ikhadi elitsha lekhredithi - nokuba likhuselekile okanye likhuselekile - yenza iintlawulo zakho ngexesha ngeenyanga. Kulungile, hlawulela ibhalansi yakho ngokuzeleyo ukuze uzigcine ungabuyisanga kwisikwereka ingxaki.
07 Gcina izilinganiso zekhadi lakho lesikweletu phantsi.
Abathengi abanamanani amanqaku asematyala amaninzi bagcina amanani ekhadi lamatyala ephantsi. Oku akusiyo malunga nokulinganisela kwakho kwemali oyihlawulayo nyanga zonke, kodwa malunga nokuba uhlawule kangakanani kwindawo yokuqala. Umnikezeli wekhadi lokuthenga ngetyala (credit card) angakuchazela ibhalansi yakho yekhadi lesikweletu nganoma nayiphi na inyanga ngenyanga, ngoko ufuna ukuqinisekiswa ukuba uhlawule kuphela i-30% yomlinganiselo wakho wekredithi, ngaphantsi kwe-10% ibe ngcono.
08 Faka isicelo se-credit entsha ngokukhawuleza.
Ingxenye yesikhokelo sakho sekhredithi isekelwe kwizinto ezininzi ezenza izicelo zeentengo zemboleko. Gwema ukufaka amakhadi amatyala amancinci okanye iinkqubo zemboleko ngethuba elilodwa, ngokukodwa xa uhlaselwa. Ezi zicelo ezintsha ziza kwenza ababolekisi baqaphele ukuvuma ukuba banokucinga ukuba unokwenkqakraza ngetyala.
09 Thatha ngokukhawuleza.
Ukuba ungena ekukhawulezeni ukuvuselela umlinganiselo wakho wekhredithi, unokugqiba ukwenza impazamo eyokulibazisa ukuqhubela phambili kwesikweletu sakho. Ngoko, thabatha ixesha lakho ukubuyisela inkokhelo yakho kwindlela. Thatha intlawulo enye ngexesha. Xa ufumana ikhadi elitsha lekhredithi, hlawula oko unokukwazi ukuhlawula kwaye uhlawule ibhalansi nganye nyanga. Yenza ukuthatha iminyaka emininzi, kodwa unako ukuphumeza amanqaku aphezulu emboleko ngexesha.