Umzobo Ophazamisayo Oko kuphazamisa amanqaku akho
Ukuphucula umlinganiselo wakho wekhredithi, kufuneka uqonde oko kwenza ukuba i-credit score score you bad.
Ngaphambi kokuba wenze nantoni na enye, thumela ikopi yengxelo yakho yekhredithi kunye namanqaku ekhredithi . Unokuyalela yonke ingxelo yesithathu yemali yeentengo zemboleko kunye namanqaku, okanye unokuqala ngeyodwa. Ukuba ukhangele indlela yokunciphisa iindleko (iingxelo zekredithi kunye namanani angaba ngu-20 ukuya phezulu), zikho iindlela ezimbalwa zokufumana iingxelo zekhredithi zamahhala kunye nezikolo zemboleko.
Jonga i-credit score. Inomboro yamanani amathathu phakathi kuka-300 no-850 ukuba u-FICO okanye omnye umlinganiselo we-FICO okanye phakathi kwe-550 no-990 xa uyala i- Vantage Score . Kuzo zombini iimeko, kufuneka ube nengcaciso yoko kutheni amanqaku akho ekhredithi aphantsi. Umzekelo, ukusetyenziswa kwamatyala aphakamileyo, ii-akhawunti ezimbalwa, okanye ukugqithiswa kwangoku kunokuchaphazela amanqaku akho.
Emva koko, hlaziya ingxelo yakho yekhredithi kwii-akhawunti ezithile kunye nokusetyenziswa okuphezulu okanye ubugqwetha. Ukuba izinto ezimbi zingalunganga, zithi zikhutshwe ngokuphikisana neziko le-credit okanye i-furnisher information.
Ukunqoba Umlando Wentlawulo Engalunganga
Ukuba ingxelo yakho yekhredithi iqulethe iindwendwe ezininzi, uya kufuneka uhlawule iibhalansi ezidlulileyo kwaye uqale ukongeza iintlawulo ezithembekileyo kwingxelo yakho yekhredithi. Vula ii-akhawunti ezintsha ukuqala ukwakha imbali efanelekileyo yokuhlawula ukuba zonke ezinye i-akhawunti zakho zivaliwe. Ngenxa yamanqaku akho aphantsi, unokuba neengxaki zokufumana imvume yesikhadi lesikweletu somdabu.
Ngethamsanqa, kukho ezinye iindlela zokufumana ikhadi lekhredithi kunye nekhredithi engalunganga njengekhadi lekhredithi elikhuselekile, ikhadi levenkile yokuthengisa , okanye umboleko wesikweleti.
Xa ufumana i-akhawunti entsha, yenza zonke iintlawulo zakho zenyanga ngethuba, nangona kuthetha ukubeka intlawulo ngokuzenzekelayo. Isibalulekileyo kukusibekela umlando wakho wokuhlawula ongezantsi ngeentlawulo ezilungileyo.
Ukusetyenziswa kweTyala eliphezulu
Ukusetyenziswa kwekhredithi ephakamileyo kuthetha ukuba izikali kumakhadi wakho eemboleko kunye neemali-mboleko ziphezulu ngokumalunga nomda wemali-mboleko okanye inani lemali-mboleko yangaphambili. Ukulungiswa kokusetyenziswa kwekhredithi ephakamileyo kuyinto elula - hlawula ezo zilinganiso. Ewe, oku kungathabatha ixesha elininzi ukuba unayo imali eyaneleyo yokuzisa izilinganisi zekhadi lakho lesikweletu ngaphakathi kwe-10-30% yomda we-credit.
Unokwazi ukuvala izilinganiso zakho ngeendlela ezigqithiseleyo ukusetyenziswa. Ngokomzekelo, ukuba elinye ikhadi lekhredithi lisetyenziswa kwi-50% kwaye enye inokulinganisela kwe-$ 0, ungadlulisela inxalenye yemali ukuya kusetyenziswa kwakho. Ukukrazula oku, kufuneka uqinisekise ukuba ibhalansi yekhadi entsha yeebhanki ingaphantsi kwe-30% yomda. Musa ukulibala ukuba uhlawule iindleko zokudluliselwa kwemali kwisigqibo sakho. Kungaba kubiza ukushiya ibhalansi yakho apho kwaye uhlawule ngokugqithiseleyo.
Ukuthetha ngokusetyenziswa kwekhredithi , ukuba uqala ngeakhawunti yamakhadi amatyala , qiniseka ukugcina ezi zilinganiso zingaphantsi kwe-10 ukuya kwi-30% yomda wesikweletu . Leyona nqanaba elona lifanelekileyo lokukwakha amanqaku amanqaku atyala . Nantoni na ngasentla inokulimaza amanqaku akho.
Fumana umxube weTyala
Ukuba nomxube wee-akhawunti zekhredithi kubalulekile kuba ibonisa ababolekisi abanamava ngeentlobo ezahlukeneyo zeakhawunti. Amakhadi okuthenga ngetyala ahlukile kwiimali-mboleko ze-installment kwaye ukuba unako ukubambisana nabo bobabini kakuhle, ungumngcipheko ongcono wekhredithi kunokuba ababoleki abangenayo enye okanye enye.
Ukuba ufuna i-mboleko yesitementi kwingxelo yakho yekhredithi, jonga kwimanyano yesikweletu sommandla. Ezinye iinkontileka zeentengo zemboleko zinikela ngemboleko yemali-mboleko ukuze kuncedise ukuphakamisa amanqaku amabi . Emva kokuba uvunyiwe ukuba uboleke imali, umgaqo-mboleko ufakwa kwi-akhawunti yokulondoloza inzala.
Ukwenza rhoqo, iintlawulo zenyanga ngetyala, kungekhona kwimali kwi-akhawunti yokulondoloza, kodwa kwiimali zakho. Iintlawulo zakho ezilungileyo zixelwe kwi- credit bureaus nyanga nganye. Xa umboleko uhlawulwa, ukugcinwa kunye nomdla kungokwakho. Imboleko mboleko yomakhi-mboleko nayo inokukhetha ukongeza i-akhawunti kwiprofayili encinci yekhredithi ene-akhawunti encinci okanye ayikho.
Qiniseka ukuba usebenzisa ama-Akhawunti Adala
Iminyaka yembali yakho yekhredithi ngu-15% yembali yakho yematyala. Indlela elula yokuphucula umlinganiselo wakho wekhredithi kule ndawo kukuvumela ukuba i-akhawunti yakho yekredithi ikhule. Qinisekisa ukuba usebenzisa i-akhawunti yakho yekredithi endala ukuyigcina isebenza. Ukuba uvumela i-akhawunti ukuba ihambe kakhulu, ayiyi kunikwa ubunzima obuninzi kwimbali yakho yematyala. (Abanye abashicileli bekhadi baze bakhansele ii-akhawunti ezingenamsebenzi.)
Isixa sexesha ukususela kokuqala kwakho umlando weebhanki yinto enye nje yendlela inqaku lokubalwa kwemali- mboleko kubonakala ngayo kwixesha lakho lemali. Umyinge weminyaka yazo zonke i-akhawunti yakho yinto enye. Ukuvula ii-akhawunti ezininzi kunganciphisa umyinge weminyaka yobudala bemali, ngoko ungawavuli ngokungabalulekanga. Kodwa ngokuqinisekileyo, i- akhawunti evulekile njengoko kuyimfuneko ukukunceda amanqaku akho ekhredithi kwezinye iindawo.
Vumela ii-Inquiri zeMinyaka
Imibuzo iboniswe kwingxelo yakho yekhredithi rhoqo xa ufaka isicelo sekhredithi. Ngokungafani nolunye ulwazi olubi, iimbuzo zihlala kuphela kwingxelo yakho yeekhredithi iminyaka emibini, kodwa zichaphazela kuphela umlinganiselo wakho wekhredithi kwiinyanga ezili-12.
Imibuzo i-10% kuphela yamanqaku akho ekhredithi, kodwa inokwakho, inokukwazi ukukulahla ukusuka kuma-600 kuya ku-540. Emva kokuba uvule ii-akhawunti ezitsha ukuvuselela amanqaku akho ekwereti, vumela le mibuzo ngaphambi kweminyaka ngaphambi kokuba ucinge ngokufumana naziphi na ii-akhawunti.
Nika ixesha
Usenokuba sele wenza zonke izinto ezilungileyo - uvula ii-akhawunti ezintsha, ufunyanwe kwiingqungquthela, uhlawule iibhalansi zakho, kwaye uhlawula iindleko zakho ngexesha - kwaye awubonanga ukuphuculwa kwinqanaba lakho lemali. Into engcono ukuyenza yilinde. Kuthatha ixesha lokuba amanqaku akhokredithi abuyele kwiinkcukacha ezibi kakhulu, ngenxa yemibuzo yokuwa kweengxelo zakho zemali-mboleko, kunye nomlando wokubhalwa kwemali ophezulu ukugqithisa ixesha elidlulileyo. Yiba nesigulane uze ukhangele amanqaku akho okwekhredithi ezinyangeni ezimbalwa ukuze ubone ukuba yeyiphi imingcipheko enokuchaphazela amanqaku akho.