Amanye amashishini ahlola ingxelo yengxelo yakho yemali xa wenza isicelo seenkonzo kunye nabo. Ikhampani zekhadi zetyala, abathengisi, iinkampani zesebenzi, kunye neenkampani zomshuwalense zimbalwa zamashishini aqhele ukujonga iingxelo zemboleko njengenxalenye yesicelo sabo.
I-credit bureaus igcina irekhodi lazo zonke iirhwebo ezicela ingxelo yakho yekhredithi. Le rekhodi ibalwe kwicandelo leengxelo zekhredithi ezibizwa ngokuba yi- Inquiries .
Yonke imibuzo eyenziwe kwingxelo yakho yekhredithi kwiinyanga ezingama-24 zokugqibela zidweliswe kwingxelo yakho yekhredithi.
Naluphi na uhlolisisa ingxelo yakho yekhredithi, uyakwazi ukubona imibuzo evela kumashishini afake ikhredithi yakho emva kokuba uqalise isicelo ( imibuzo enzima ) kunye nakwamashishini athengisisa i-credit yakho kwi-desktop yakho kunye neenkonzo (i- soft questions ). Ngoko kubonakala ngathi unemibuzo eninzi. Xa amanye amashishini ahlola i-credit yakho, ayibona kuphela imibuzo evela kwizicelo ozenzayo, kungekhona imibuzo elula.
Ngeengxelo zeNgxelo zeNgxowa-mali
Usenokuba uyayazi ukuba le mibuzo iyimfuneko kumanqaku akho ekhredithi . Ipesenti ezilishumi zemilinganiselo yakho yekhredithi isekelwe kwimibandela eyenziwe kwingxowa-mali yakho. Ngethamsanqa, akuyiyo yonke imibuzo oyibonayo kwingxelo yakho yekhredithi ifakwe kwi-score score yakho. Okokuqala, kuphela imibuzo enzima - ezo ziphumo ezivela kwizicelo zakho zemali-mboleko-zibandakanyiwe kumanqaku akho ekhredithi.
Okwesibini, ngelixa imibuzo ivela kwingxelo yakho yekhredithi kwiminyaka emibini, kuphela ezo ezenziwe kwiinyanga ezili-12 ezidlulileyo zibandakanyiweyo kumanqaku akho. Ukusabalalisa izicelo zakho zemali-mboleko kunokugcina umlinganiselo wakho wekredithi ekuhluphekeni emva kwezicelo ezininzi.
Imibuzo - ingakumbi imibuzo enzima - enye yeendlela ababolekisi nababolekisi banquma ukuba bayayivuma isicelo esitsha.
Ekubeni imibuzo ibonisa ukuba ngaba uthengela i-credit nje kungekudala, abanokuba ngababoleki banokuzama ukuqikelela ukuba ngaba usanda kuthatha iakhawunti ezokwenza kube nzima ukufumana ikhadi lekhredithi okanye umboleko owenzayo. Abathengi abaye bachithwa ngenxa yesikweletu kwiinyanga ezili-12 ezidlulileyo baninzi ababolekayo abanomdla kunabangenayo. Yingakho i-credit engqinelana neziphumo zokubala kwimibono eyenziwe kunyaka owedlule.
Qaphela ukuba ukuba uthengise imali yokubolekwa kwemali okanye mboleko yemoto , ingxelo yakho yekhredithi ingaba nemibuzo emininzi evela kwiinkampani ongaziqondiyo. Kungenxa yokuba abaninzi abathengi kunye nabathengisi bemoto "bathengise ivenkile" egameni lakho bezama ukufumana umboleki-mali oza kukunika umlinganiselo ophezulu. Kwimeko apho, ababolekisi abahlukeneyo baya kutsala ingxelo yakho yekredithi ngexesha elincinci lokuba ufanele ukuboleka imali.
Iindaba ezilungileyo malunga nokuthengwa kweentengo kukuba iimodeli zokubeka iitaliti zonyango ziya kuthatha imibuzo ephakamileyo njengophando olulodwa nje kuphela ukuba izinga lokuthenga lithengiswa ngaphakathi kwefestile ethile yexesha, ukususela kwiintsuku ezili-14 ukuya kwezi-45 kuxhomekeke kumzekelo wekredithi. Iimodeli ezithandwayo zamatyala ezisandul Ngelishwa, abathengi abanalo ulawulo phezu kwamanqaku okubolekisa ngekhredithi ababolekisi basebenzise.
Kungenzeka ukuba umboleki wakho okhethiweyo uya kusebenzisa imodeli esebenzisa iwindi yeentsuku eziyi-14. Ngenxa yoko, kubalulekile ukugcina isantya sakho sithenga ukuya kufutshane ixesha elide kunokwenzeka.
Amanyathelo okuSusa iimpendulo kwiNgxelo yakho yeMboleko
Kubalulekile ukujonga ingxelo yakho yengxelo ngekredithi ukuqinisekisa ukuba akukho ziphoso kwingxelo yakho. Iimpazamo zinokubaluleka kumanqaku akhotyala. Kwimeko yemibuzo, banokubonisa ukuba ubusela bezobakho.
Ukuba usemarikeni kwikharityhulam entsha okanye mboleko okanye ufuna ukuhlambulula i-credit yakho, ukususa imibuzo engagunyaziswanga ibalulekileyo. Ufuna ingxelo yakho yekhredithi ibe ngummeli ochanekileyo wembali yakho yematyala.
Umthetho we-Federal unikeza ilungelo lokuphikisana nolwazi olungalungileyo kwi-ingxelo yakho yekhredithi. Oku kuquka imibuzo enzima awuzange uyigunyaze.
Ukuphikisana nophando, bhalela kwi-credit bureau ukuba ubazise ukuba uphenyo luyimpazamo kwaye ucele i-credit bureau ukuba isuse uphando kwi-credit report yakho. Kwileta yakho yokuphikisana, khankanya igama lebhizinisi elenza uphando ngomhla wokuphanda. Ukuquka le ngcaciso kuya kunceda i-credit bureau ichonge inkcazo ethile ephikisanayo.
Emva kokuba i-credit bureau ifumana ingxabano yakho, kufuneka ukuba kwenziwe uphando kunye nenkampani ebhalise uphenyo kwingxelo yakho yekhredithi. Ukuba uphando lubonisa uphenyo ngokwenene impazamo, uphando luya kususwa kwingxelo yakho yekhredithi.
Ungamangaliswa ukuba awuboni ukuphucula okuphawulekayo kumanqaku akho ekwereta emva kokubuza imibuzo. Iingxelo zenza kuphela inxalenye encinci yamanqaku akho ekhredithi. Uza kubona ukuphuculwa kweyona nto ephezulu kwikhredithi yakho ngokugxininisa ulwazi olubi kakhulu olufana neentlawulo zexesha elide okanye izikolo eziphezulu zekhadi lesikweletu.
Imibuzo evela kuKhuseleko
Sebenzisa inkqubo yenkcazo yeengxoxo zemboleko ukukhenksa imibuzo yokukhwabanisa evela kwingxelo yakho yekhredithi. Hlaziya kwakhona yonke ingxelo yengxelo yakho yekredithi ngokucophelela nayiphi na i-akhawunti engagunyaziswanga. Cinga ukubeka uqaphelo lokukhwabanisa okanye ukhuseleko kwi-credit report yakho ukukhusela imibuzo engagunyaziswanga kwangaphambili kunye nokuvulwa kweakhawunti yobuqhetseba.
Kuthiwani Ngemibuzo Eyenziwe Ngokwenene?
Ukuzama ukususa uphando olubangelwa kwisicelo owenziwe ngokwenene kungekudala. Iingxowa-mali zemali-mboleko zinelungelo lokunika ulwazi oluchanileyo njengoko lugqibeleleyo kunye nokukhawulelwa kwexesha lokubhengezwa ngetyala (iminyaka emibili malunga nemibuzo yeengxelo zemboleko). Ngako oko, awukwazi ukususa imibuzo evela kwingxelo yakho yekhredithi ngenxa yokuba utshintshe ingqondo yakho okanye ungathandi ukuba uphenyo apho.
Ngethamsanqa, imibuzo ayiyona nto ebangela ukukhathazeka. Bakho kuphela kwingxelo yakho yekredithi ngexesha elifutshane kwaye lichaphazela kuphela i-credit yakho ngexesha elifutshane. Uphando olwenziwe kule nyanga luya kubakho kwi-credit score yakho ngonyaka ozayo ngeli xesha.
Zingaphi Imibuzo Eninzi?
Ngelishwa, akunakwenzeka ukwazi inombolo ecacileyo yemibandela eya kuphazamisa amanqaku okuthenga ngetyala okanye ukukwazi kwakho ukufumana imboleko. Indlela efanelekileyo yokugcina imibuzo yakho phantsi kolawulo kukunciphisa inani lezicelo ezisekelwe kwintengo-mboleko ozenzayo, ingakumbi kwixesha leenyanga ezili-12.