Indlela yokuSusa ukuKhutshwa kweMali evela kwiNgxelo yakho yeMboleko

Gxotha ama-Entries Off-Off Entries

Inkokhelo enye yezinto ezimbi kakhulu onokuzenza kwi-akhawunti yakho yekhredithi. Ukuhlawulwa kwentlawulo kwinto eyenzekayo xa ungaphumeleli ukuhlawulwa kwekhadi lakho lesikweletu ngeenyanga eziliqela- ngokuqhelekileyo iinyanga ezintandathu ngokulandelana. Emva kweenyanga ezimbalwa zokungahlawulwanga, umboleki-mali uyabhala ityala njengalahleko (kwiincwadi zabo zokubhala), ikhansela i-akhawunti yakho, kunye neemfuno zokuhlawula i- balance balance .

Ngexesha apho i-akhawunti ihlawulwa-mali, umlinganiselo wakho wekredithi usuye wafumana umonakalo omkhulu.

Umnikezeli wakho wekhadi lokuthenga ngetyala unokunciphisa umda wakho wesikweletu. Ukuba ufake isicelo sekhadi lesikweletu ezinyangeni ezikhokelela ekuhlawulweni kwakho, isicelo sakho sinqatshelwe.

Emva kokuhlawuliswa kwirejista yakho kwingxelo yemali-mboleko , iya kuhlala khona iminyaka eyisixhenxe ukusuka ngomhla ohlawulwe ngawo. Iphelele, i-akhawunti ihlala kwingxelo yakho yeekhredithi iminyaka eyisixhenxe nesigamu. Lexesha elide lokuba ungenayo into engalunganga kwingxelo yakho yekhredithi.

Ukuhlawulwa kweNkokhelo akuthethi ukuxolelwa

Ungamvumeli igama lakho. Usenokwenza uxanduva lokuhlawula umrhumo . Ngethuba nje ukuhlawulwa kwecala kuhlawuliwe, umboleki-mali unokuqhubeka nokuzama ukuqokelela kwi-akhawunti kwaye oko kunokubandakanya ukukutshatyalalisa oko ufunwayo.

Ababolekisi bexesha elizayo kunye nababolekisi baya kuthatha i-charge off-offs, ngokukodwa ukuba banokukhanyela nayiphi na ikhadi lekhredithi kunye neentlawulo zemali mboleko, ngoko ke unomdla wokususa i-pay-offs kwingxelo yakho yekhredithi.

Ingxoxo yindlela yakho efanelekileyo yokunciphisa imiphumo ye-akhawunti ehlawulweyo.

Thetha kuCreditor

Ngokuqhelekileyo, ukuhlawulwa kweentlawulo kudluliselwa kumqokeleli wetyala lomntu wesithathu emva kosuku lokuhlawula. Kodwa, xa kuziwa ukuhlawula i-off-offs, kungcono ukujongana nomthengi wangaphambili (obanike ingxelo ye -status-off-off status ) kunomqokeleli wetyala.

Umqokeli akakwazi ukwenza nantoni na malunga nokuba ingxelo yomthengi oyimvelaphi kwii- credit bureaus .

Ukuze ususe umrhumo-mali, kufuneka uqhagamshelane nomboleki-mboleko wokuqala ukuba uqale uxoxisana nokususwa kwenkokhelo. Ufuna ukukhokelela umbolekisi ukuba asuse inkokhelo evela kwingxelo yakho yekhredithi ngokutshintshela intlawulo. Ngaphambi kokuba wenze ifowuni, yazi ukuba unako ukuhlawula kwi-akhawunti. Ingakumbi unakho ukuhlawula kwaye ngokukhawuleza ungayihlawula, unamandla angakumbi okuxoxisana nawe. Ukuba unakho ukuhlawula ngokupheleleyo, usemgangathweni olungcono ukuxoxisana. Cela ukuthetha nomntu onelungelo lokususa inkokhelo evela kwingxelo yakho yekhredithi.

Mvumele umboleki-mali ukuba unomdla wokuhlawula i-akhawunti kwaye ungathanda ukwenza amalungiselelo okuhlawula ngokutshintshela ukuba imeko ekhutshwe yirejista isuswe kwingxelo yakho yekhredithi . Thetha ngokuthobeka nangomsebenzi. Gwema ukugxeka umboleki-mali, wenze izizathu, okanye unike ibali lobomi bakho. Gcina mfutshane kwaye uye kwindawo. Iimeko ezilungileyo kakhulu, umbolekisi uyavuma ukuba asuse inkokhelo evela kwingxelo yakho yekhredithi.

Ukuthumela intlawulo yeleta yokucima ngenye indlela yokuxoxisana nokususwa kwenkokhelo. Lele ncwadi icela ukuba umbolekisi asuse i-akhawunti yakho kwingxelo yekhredithi ngokutshintshela intlawulo epheleleyo.

Isihluthulelo somvuzo ophumeleleyo wencwadi yokucima ifumaneka esandleni sokunene. Zama ukufumana igama kwaye uqondise idilesi yomntu osebenza kwinkampani, umphathi okanye omnye umqeshwa ophezulu, kunokuba athumele ileta yakho kwidilesi ebhaliweyo yedilesi.

Iikhampani zekhadi lokuthenga ngetyala zibophekile ukuba zinike ingxelo yengxelo yemboleko kwii -credit bureaus , ngoko kuya kunzima ukufumana umbolekisi ukuba avume ukususa ihlawulwe kwi-credit report yakho. Nangona kunjalo, abanye abanamakhadi baye baphumelela ekwenzeni umvuzo wokususa isivumelwano. Ukuba awukwazi ukufumana umboleki-mali ukuba avume ukususa ngokupheleleyo ukuhlawulwa kwecala, zama izinto ezincinci ezinjenge-"eValiweyo" kunokulula "okuKhokhelwa."

Fumana isiVumelwano ekuBhalweni

Xa umboleki-mali avuma ukususa ukuhlawuliswa kwirekhodi yakho ye-credit, fumana isivumelwano ngokubhaliweyo.

Unokwenza oku ngeendlela ezimbini:

1. Ngaba umntu othe wathetha ngefeksi nawe ikopi yesivumelwano kwi-letterheadhead yenkampani.
2. Ngenye indlela, fumana igama, idilesi yeposi, nenombolo yefowuni yomntu othethile naye. Thumela ikopi yesivumelwano sakho kulowo mntu ngeposi eqinisekisiweyo kunye ne-receipt ye-receipt eceliwe. Cela umqondiso womntu uze ubuye ikopi kuwe.

Gwema ukwenza intlawulo uze ube nesivumelwano ngokubhaliweyo kwaye unokubonisa ngaphandle kwesidima sokungabaza umntu ovela kwiofisi yomboleki wenza isivumelwano.

Emva kokuba uzalisekise inxalenye yakho yesivumelwano, khangela ingxelo yakho yekredithi ukuqinisekisa ukuba umbolekisi ususile ukuhlawulwa.

Xa Ungeke Ufumane Indlela Yakho

Ukuba uxoxiswano lwakho luhluleka kwaye awukwazi ukufumana umboleki-mboleko, gqiba ukuba ufuna ukuhlawula i-akhawunti okanye cha. Nangona i-akhawunti iya kuqhubeka ixelwe njengotyala-mali kude kufike ixesha lokunika ingxelo ngetyala , kuya kuphazamisa amanqaku akho kwikhredithi ngaphantsi kwexesha elidlula. Nangona kunjalo, abanye ababolekisi abanakukunika i-credit okanye entsha mboleko kuze kube yilapho uzinakekele zonke i- akhawunti ezidlulileyo . Ngoko ke, ukuba uceba ukufumana imali yokubolekwa kwemali okanye yemboleko yemoto kwiminyaka esixhenxe ezayo, kungcono ukuhlawula i-akhawunti. Xa ihlawulwe, qiniseka ukuba ingxelo yakho yekhredithi ibonakalisa intlawulo. Kuthiwani ukuba i- charge-off yakho ithunyelwe kwi-IRS?