Ngelixa i-bankruptcy isinyathelo sokuqala sokuseka kwakhona i-credit card, awukwazi nje ukufaka ifowuni kwaye ulindele ukunyakaza okukhulu. Kufuneka usebenze kuyo. Kuya kuthatha ingqwalasela, kwaye kuya kuthatha ixesha, kodwa kuya kwenziwa.
Yintoni eyenza iCredit Score yakho?
Amanqaku okuthenga ngetyala ancike kwiinkcukacha eziqokelelelwe kwiinyanga kunye neminyaka. Enyangeni enye okanye iinyanga zithandathu zedatha azinako ukwanela ukuba i-credit score score company ivelise amanqaku aza kukunika ithuba elifanelekileyo leentengo zemali. Kodwa mhlawumbi unyaka okanye ezimbini zedatha ziya. Ukufunda okungakumbi malunga nezikolo zekhredithi emva kokuphawulwa kwebhanki:
I-Bankruptcy ichaphazela njani amanqaku emboleko?
Ngaba Imali Yakho Yesikweleti Kubalulekile Emva Kokuqhawula?
Nantsi indlela oya kufika ngayo. . . .
Ukuhlawula iimfanelo zakho eziqhubekayo kwixesha
Ukuchithwa akuyikuphelisa ngokupheleleyo amatyala. Ezinye iingxowa-mali, ngokukodwa ezo zikhuselekile, ziyakwazi ukusinda kwi-bankruptcy ngenxa yokuba umnini-mboleko unelungelo lokungenani ubunani bebhanki. Ezi ziyaziwa ngokuba yiziqinisekiso .
Ngokuqhelekileyo, ukuqinisekiswa kusinda kwi-bankruptcy kunye nemigomo efanayo loo mboleko eyangena kuyo. Ngoko ke, ukuba unayo imboleko yemoto xa ufaka iSahluko 7 kwaye ufuna ukugcina imoto, uya kuqhubeka wenze iintlawulo njengoko zikhankanywe maxwebhu e mboleko.
Ngenxa yokuba eli tyala liqinisekisiwe, okanye alikhishwa, umboleki uya kuqhubeka nokunika ingxelo ngetyala kwaye unyango lwenyanga nganye kwi-arhente yokubika ngetyala.
Ukuqinisekiswa kunokuhamba ixesha elide ekuvuseleleni kwakhona amanqaku ekhredithi. Kodwa, ba sebenza kuphela xa wenza iintlawulo ngexesha.
Cinga ngeKhadi leMali eliKhuselekileyo
Ngekhadi lekhredithi elilondoloziweyo, ubeka umnini-mboleko inani elinganayo okanye elilingana nelona lugqithiso lwekhredithi ekhadini.
Ukuba uyeka ukwenza iintlawulo, umboleki-mboleko unokugcina idiphozithi yokwenza oko ungakhange uyihlawule.
Abantu abaninzi babona oku akufani kakhulu nokusebenzisa iibhanki zabo zebhanki kunye nekhadi lokudibanisa kuba kusekho ukubeka imali kwidiphozithi. Kodwa kukho ulwahlulo olubaluleke kakhulu.
Kwimiba engalunganga: iintlawulo oza kuhlawulela ilungelo. Ngokuqhelekileyo, umboleki-mali uya kuhlawula umrhumo wonyaka, mhlawumbi umrhumo wolawulo wokusekwa kwe-akhawunti, kunye nepesenti eziphezulu zepesenti. Ekubeni ezo ntlawulo zivame ukutshintshwa ngqo kwi-akhawunti, kwaye ngenxa yemida yokuthenga ngetyala kumakhadi alondoloziwe ngokuqhelekileyo aphantsi-$ 300 ukuya kuma-$ 500 ukuqala, unokufumana lula kunye nesitatimende sakho sokuqala ukuba isiqingatha se-credit card yakho sifikelele ekubhekiselele kwiimali zokubambisa.
Kwinqanaba elongezelelweyo: umlando wakho wokuhlawula ikhadi elikhuselekile liya kuxelwa kwi-arhente yokubika ngetyala. Oku akuyinyaniso kumsebenzi wakho wekhadi lomdatha. Kwi-credit report yakho, ikhadi elikhuselekileyo liya kujongana naliphi na i-akhawunti. Ukuba uhlawula ngokwemiqathango ye-akhawunti, umlinganiselo wakho wekhredithi uza kuphakama. Ukuba uhluleka ukuhlawula ngokwemiqathango, amanqaku ekhredithi aya kuwa.
Ukufunda okungakumbi Iikhodi Zentengiso Ezingcono Konke Unokuzifumana emva kwe-Bankruptcy .
Ukusebenzisa Ezinye Iintlobo Zetyala
Kwimimandla yethu, abathengisi beemoto bayathengisa ngokuthe ngqo abantu abasanda kuvela kwi-bankruptcy.
Iinyanga ezimbalwa ezimbalwa emva kokufumana ukukhutshwa kwabo, abaninzi abathengi bam baya kuqala ukufumana iileta ezivela kubanikazi bokunikezela ukubanceda bavuselele kwakhona iitaliti ngokuthenga isithuthi ngexesha. Ukusuka oko ndikubonile, imiqathango kulezi ntlobo zemali-mboleko ayihambelani nemimiselo enikwe kwezinye iindawo zemarike yangasese. Kodwa ayenjalo. Nangona abantu abaneempembelelo zemali ezifanelekileyo bangafumana ama-5%, le mboleko ingalingana no-18% okanye ngaphezulu.
Abanye abantu baye banenhlanhla yokufumana amakhadi ekwereta avela kubathengisi. Oku akulula njengoko kwakunjalo xa izakhiwo zesebe zazisetyenziswa ngokuzimeleyo kwaye aziyiyo inxalenye yentambo yeemarike ezininzi, kwaye zithwala i-akhawunti yazo.
Gwema iAgre Repair Agencies
Okokuqala, akukho nkonzo yokulungisa iitaliti inokwenza oko ongenakuzenzela wena ngoncedo lwaluphi na uluhlu lwezinto ezisekelwe kwiwebhu okanye iincwadi ezivela e-Amazon.
Ukuba ulwazi olungalunganga okanye olungaphelelwa yisikhathi luvela kwingxelo yakho yeekhredithi, kukho amanyathelo onokuthatha ukuze ulungiswe. Ukuba ulwazi kwingxelo yakho yekhredithi ayibi, kodwa kusenokwenene, ayikwazi ukususwa ngonaphakade.
Nangona kunjalo, izikhwama zokulungisa iitaliti zanda. Ngokuqhelekileyo basebenzisa inzuzo yokuba igosa lokubika ngetyala liya kususa ulwazi oluphikisanayo ngexesha elide ngexesha impikiswano iyaphenywa. Ngolwazi olubi oluphikisanayo ngxelo, iimbali zakho zemali zingabonakala zicocekile kunokuba zikhangeleke.
Kodwa, kunokwenzeka, ulwazi luya kuvela kwingxelo yakho xa uphando lugqibile. Amashishini okulungisa iitaliti enza imali yabo ngokuhlawula iirhafu ezihambayo, ngokuphindaphindiweyo ngokubhaliselwa kwenyanga, ukulungiselela iingxabano ezilandelelanayo abazisebenzisayo ukugcina ulwazi oluchanekileyo, kodwa olubi, ulwazi oluvela kwifayile yakho.
Kuthatha ixesha
Nantsi ingezantsi: kuthatha ixesha. Ekugqibeleni ulwazi olubi luya kulahla ingxelo yesikweletu sakho. Okungakumbi kwaye ngokukhawuleza ungathatha indawo yokungena kwii-akhawunti ezintsha ezibonisa ukuba unakho ukuhlawula iindleko zakho ngokwemiqathango yazo, ukuphakama kwamanqaku akho ekhredithi kuya kuphakama.
Ukuhlaziywa ngo-Apreli 2018 nguCarron Nicks.