Ukuba uzama ukuhlambulula ingxelo yakho yekhredithi , unokufumana amanani amakhredithi avulekileyo awunayo kwifa lakho. Oku kwenza kube nzima ukuvala i-akhawunti ngenxa yokuba unayo inombolo epheleleyo ye-akhawunti ukunika umnikezeli wekhadi lesikweletu. Ngethamsanqa, kuba iingxelo zekhadi lesikredenti zihlala zibophelelwe kwiinkcukacha zakho zobuqu, njengenombolo yakho yokhuseleko loluntu, unako ukuvala ikhadi lekhredithi ngaphandle kokuba nenombolo ye-akhawunti.
01 Okokuqala, Qinisekisa ukuba Ok uVala iKhadi
Amanye amakhadi ekhredithi ahamba phambili evulekile. Ngoko xa ucinga ukuba yimaphi amakhadi ekwerethi okugcina kunye nokuwubhubhayo, gcina lo mgaqo ngeso sikhumbuzo: ungavali nawaphi na amakhadi ekhredithi aneemali, ikhadi lakho lekredithi kuphela kunye nekhredithi ekhoyo , kwikhadi lakho lekredithi elidala, okanye kwikhadi lesikweletu nemigangatho engcono.
Ukuba ikhadi lekhredithi linokulinganisela, yinto efanelekileyo yokuhlawula ibhalansi ngaphambi kokuvala amanqaku emboleko. Emva kokuba udibanise umniki wekhadi lesikweletu, qiniseka ukuba idilesi yakho yokubakho efanelekileyo kwifayili kwaye inomyalelo wekhadi lesikweletu uyithunyelwe kuwe ukuze uqinisekise ubungakanani kwaye uhlawule imali. Unako ukukhetha ukuhlawula ibhalansi ngexesha okanye yonke into kanye, ukuba unakho ukukwazi.
02 Biza iNkampani yeKhadi leKhadi ukufumana iNombolo ye-Akhawunti
Ngokuqhelekileyo, ingxelo yengxelo yakho yekhredithi iqulethe inombolo yokudibanisa yenkampani ebeka uluhlu lwe-akhawunti.
Ayikho inombolo yefowuni echazwe kwi-credit report? Zama ukusebenzisa injini yokukhangela njengeGoogle ukufumana iwebhusayithi yekampani. Uninzi lwamawebhusayithi ekhutshi yamakhadi ekhredithi alingana negama lenkampani.
Umzekelo, iwebhusayithi ye-Discover yi-Discover.com. Emva kokuba ufumene iwebhusayithi efanelekileyo, khangela ikhonkco "Xhumana nathi" kwisayithi ukufumana inombolo yoqhagamshelwano. Unokuzama kwakhona ukukhangela ngamaxwebhu akho amadala ukuze ufumane isitatimenti sekhadi lesikweletu ukusuka kuloo mboleko.
Xa unenombolo, fownela inkampani yekhadi. Bazise ukuba unayo i-akhawunti kunye nabo, kodwa asinayo ikhadi lekredithi okanye inombolo yekhadi lesikweletu. Ummeli wenkonzo yabathengi uya kucela ulwazi oluthe ngqo lokujonga i-akhawunti yakho.
Ngenxa yezizathu zobungasese, inkampani inokuba nenqubomgomo ekuchaseni ukunika amanani ekhadi lesikweletu kwifowuni.
03 Vala i-Akhawunti Ngaphezulu kwefowuni
Ukuba ummeli unokunika inombolo yakho yeakhawunti okanye ubuncinane iidijithi ezine zokugqibela zeenombolo ze-akhawunti phezu kwefowuni, bhala phantsi kwi-reference reference, uze ucele ukuba ikhadi lekhredithi livaliwe.
04 Landela ukuBhala
Emva kokuvala ikhadi lakho lekhredithi ngefowuni, thumela ileta eqinisekisiweyo kumkhupheli wekhadi lesikweletu eqinisekisa isicelo sakho ukuba ivalwe ikhadi lakho lesikweletu.
Kule leta kufaka igama lakho, idilesi, kunye neenombolo ezine zokugcina zeenombolo ze-akhawunti. Bika ukuba ucele ukuba i-akhawunti yakho ekhadini lekhadi lesikweletu livaliwe ngalo nawuphi na umhla kwaye ufuna ukuba irekhodi lakho lekredithi libonise ukuba i-akhawunti ivalwe kwisicelo sakho.
Unokujonga ingxelo yakho yemali kwiiveki ezimbalwa ukuqinisekisa ukuba i-akhawunti yakho ivaliwe.