Ukucoca Ukulungiswa Kwemboleko NgeeNcwadi Ezilungileyo
Inxalenye enkulu yokulungiswa kwemali ibandakanya ukufumana izinto ezisuswe kwingxelo yakho yekhredithi. Izinto ezingenakunokuthi ungasusa kwingxelo yakho yeekhredithi, kuya kuba lula ukuphakamisa amanqaku akho. Ngelishwa, ukususa izinto ezintle akulula ngaso sonke isikhathi, ngakumbi xa ezi zinto ezimbi zibikwa ngokuchanekileyo.
Inkqubo yeengxoxo zengxoxo yekhredithi isebenza xa kukho izinto ezingekho phantsi kwirekhodi yakho yekhredithi engafanele ibe khona.
Ngokomzekelo, unokuphikisana neakhawunti ezingezakho okanye izinto ezidlulileyo umda wexesha lokubika ngetyala . Nangona kunjalo, ukuphikisana ngokuchanekileyo ngolwazi kungabikho mpu meko kuba ababolekisi baqinisekisa le ngcaciso kunye nee-ofisi zesikratshi aziyikususa kwingxelo yakho yekhredithi.
Ukuba usenayo ibhalansi kwi-akhawunti engafanelekanga, unokukwazi ukuxoxisana ukuba ikhutshwe kwingxelo yakho yekhredithi ngokutshintshela ukuhlawula ibhalansi. Esi sicwangciso sibizwa ngokuba "hlawula ukucima."
Xa sele uhlawule ityala, awukho inkokhelo yokusebenzisa njengendlela yokufumana ukuba isuswe kwingxelo yakho yekhredithi. Kunoko, ungasebenzisa ileta yokuthakazelisa ukuba ucele ukukhutshwa kweengxelo zeengxelo zemboleko oye wahlawulwa.
Yintoni i-Letter Goodwill?
Ileta yokunyanisekileyo yileta oyithumelayo kubathengi bakho abacela ukuba basuse okanye bayeke ukunika ingxelo engafanelekanga kwingxelo yakho yekhredithi njengomcimbi wokukholiswa.
Ababolekisi abanyanzelekile ukuba basuse ulwazi oluchanekileyo kwingxelo yakho yekhredithi ngaphandle kokuba ulwazi luchanekile. Nangona kunjalo, ukuba unako ukuhlawula ngokukhawuleza phakathi kweminye imbali yentengo yemboleko , abanye ababolekisi baya kuba mnandi kwaye basuse (okanye bayeke ukunika ingxelo) emva kweentlawulo.
Njengazo zonke iileta ozithumela kubathengi, ileta yakho yokuthakazelisa kufuneka ibe mfutshane kwaye ilula.
Ukwazisa ukuba yiyiphi i-akhawunti oyifunayo ukuba uyihlaziye, khankanya imbali yakho yentlawulo efanelekileyo, uchaze ngokufutshane into ebangela ukuba uphelelwe loo ntlawulo, kwaye ubuze ukuba ingxelo yakho yekredithi ihlaziywe njengesidima. Gcina ithoni yakho ibe yinto enomdla kunye neentlonipho kwaye ugweme ukugweba okanye ukugxeka umboleki.
Thumela incwadi yakho yokunceda kwidilesi yomthengi echazwe kwi-akhawunti yakho yekredenti okanye isitatimenti senkokhelo yakutshanje. Qinisekisa ukuba usebenzisa idilesi yeenkcukacha, kungekhona idilesi oyithumela kuyo intlawulo. Sebenzisa i-imeyile eqinisekisiweyo ukuze uqinisekise ukuba ileta yakho yenze. Ukuba akukho dilesi kwi-credit report , okanye ukuba awufumani impendulo malunga neentsuku zoshishino malunga ne-7 ukuya kwi-10, khangela enye idilesi kwiwebhusayithi yomboleki.
Impendulo yoMgcini
Emva kokufumana ileta yakho yokuthakazelisa, abanye ababolekisi baya kuhlaziya ingxelo yakho yekhredithi. Abanye baya kuthi banako ukususa ngokusemthethweni ulwazi kwi-credit report yakho. Iiforam ze-myFICO ziquka iileta ezintle eziphumelelayo. Ezi ncwadi zicela ukuba ababolekisi bawenze "utshintsho lokulungelelanisa" kunokuba bacele ngokukodwa ukuba abanetyala bawususe ulwazi olubi . (Ukususwa kolwazi olubi luhlala luphulaphula isivumelwano semboleko kunye neefreeaus zemali.)
Ileta kunye neFowuni yeeFowuni
Unokwenza isicelo sokunceda ngokufowuni kunokuba uthumele ileta, kodwa ngokuphindaphindiweyo kungabikho, abameli beenkonzo zabathengi abaphendule ifowuni abanalo igunya lokwenza olu hlobo lweenguqu kwi-akhawunti yakho. Ukuba unokufowunela umnxeba ophezulu kwinkampani, unakho amathuba (kodwa kungekhona i-100%) ukuba isicelo sakho sinikezwe.