Ukwahlukana kubonisa isahluko esitsha ebomini bakho kwaye kule nto entsha, unokufuneka ulungise okanye uphinde wakhe umlando wakho wekhredithi. Kungaba nzima, ingakumbi nayo yonke into ojongene nayo. Kodwa, thabatha isinyathelo esinye ngelo xesha. Ikhredithi engcono ayiyi kwenzeka ngobusuku, kodwa zonke izigqibo ezilungileyo zezemali ziya kukubeka isinyathelo esinye.
Yiba nomvuzo kwaye uhlale kwisabelomali
Ukwakha nokwakhiwa kwekhredithi ngokubanzi kukuhlawula iibhilikhwe zakho ngexesha.
Ukwenza oko, kufuneka ufumane imali engenayo. I-Alimony kunye nenkxaso yabantwana ifanelekile, kodwa ukuba nguyo kuphela umthombo wemali engenayo, kufuneka iphakame ngokwaneleyo ukuhlangabezana nazo zonke iindleko zakho zenyanga (kunye nezingane zakho).
Kungakhathaliseki ukuba yimvelaphi yengeniso yakho, lawula kakuhle. Uhlahlo lwabiwo-mali luyakunceda wenze okusemandleni akho ngeniso. Ukuba awunasetyenziswa ukulawula imali, umz. Ngenxa yokuba wakho umlingane owayesakuba ngumyeni wakho uhlala enakekele iindleko, kunokuthatha ixesha elithile ukuba usebenzise ukuhlawula iibhilidi kwaye uhlale phantsi kwengeniso yakho. Funda ngokubanzi njengoko unako malunga nezimali zemali uze ukhangele ezinye iikhosi zezemali zendawo zendawo ukuze kukuncedise ukwazi ukulawula imali.
Hlola ingxelo yakho yekhredithi kunye namanqaku ekhredithi ukuze ubone apho umi khona
Unokufumana indlela yokuphucula i-credit yakho ngokufunda oko kukuchaphazela ikhredithi yakho . Yenza ikopi yakutshanje yeengxelo zekredithi zakho ezivela kuzo zonke iifesti ezintathu zeentengo zemali nge-FreeCreditReport.com. Ukuba sele ulandelele iingxelo zakho zamahhala zonyaka, ungathengela iingxelo zekredithi enye okanye ezintathu ngenye yee-bureaus.
Amanqaku akho ekhredithi aya kukunika ingcamango malunga nokuba umlando wakho wekhredithi ulungile okanye awubi. Thengisa amanqaku akho ngetyala nge-FICO.com okanye nayiphi na iirejista ezintathu. Okanye, fumana uhlawulelo lwamahhala akho kwiCreditKarma.com, CreditSesame.com, okanye kwi-Quizzle.com.
Qinisekisa ukuba izikweletu zakho ezidibeneyo kunye neqabane lakho langaphambili liyakunyamekela
Awusoze waba nokulawula okupheleleyo kwimbali yakho yekhredithi ngelixa unayo i-akhawunti evulekileyo kunye nomntu owayekade naye.
Izenzo zakho zangaphambili - okanye ezingekho izenzo - ziya kuqhubeka zichaphazela umlinganiselo wakho wesikweletu nangemva kokuqhawula umtshato.
Ngokufanelekileyo, amatyala ojongene nawo kuphela egameni lakho kuphela kwaye abo baqabane bakho banembopheleleko kwigama lakhe kuphela. Ukuhlaziywa, ukuhanjiswa kwemali, kunye nokudibanisa kukukhetha ukuba bobabini kuni uhlaziye amatyala akho ukuze banikwe igama lomntu onoxanduva.
Okwangoku, ukuba kukho iingxowa-mali ezidibeneyo ezisegama lakho kuzo, hlala phezulu kwimbali yentlawulo - ngenxa yekhredithi yakho. Iintlawulo ezingekho phantsi zingasichaphazela umlinganiselo wakho wekhredithi nokuba ngaba ijaji ivakalise ukuba iqabane lakho lijongene nezo ntlawulo. Vala amakhadi ekhredithi ngokudibanisa ukukhusela iindleko ezizayo ukuba zenziwe kwi-akhawunti.
Ukujongana neendleko ongeke ukwazi ukuhlawula
Kuqhelekile ukuba abatshatileyo baqalane nokulwa nemali kwiinyanga kwaye ngamanye amaxesha emva komtshato. Funa uncedo ngokusebenzisa umthengi weengcebiso ngekhredithi ukuba unenkathazo yokuhlawula zonke iindleko zakho. Umcebisi unokukunceda uhlole imeko yakho yezemali kwaye uncede wenze isigqibo malunga nendlela efanelekileyo yokujongana neendleko zakho. Ngokuxhomekeka kububungqina beemeko zakho, igosa elinika iingcebiso ngekhredithi lingabonisa ukuba uyifake i-bankruptcy .
Shintsha igama lakho lokugqibela ngaphambi kokufumana i-credit entsha
Ukuba uya kutshintsha ngokusemthethweni igama lakho, umz. Umfazi wangaphambili ungabuyela kwigama lakhe lentombi, yenza oko ngaphambi kokuba uqale ufake isicelo sekhredithi entsha.
Ngale ndlela, i-akhawunti yakho entsha iya kukhutshwa kwigama elisemthethweni oyisebenzisayo ukuya phambili. Kwakhona, qha ga mshelana nababolekisi bakho abakhona ukuba batshintshe igama kwiakhawunti yakho.
Ukuba unethemba lokuba ukutshintsha igama lakho kwakuza kuqalisa kabusha imbali yakho yekhredithi, ndibe neendaba ezimbi kuwe. Igama lokutshintsha aliyi kuphazamisa i-credit yakho kuba i-akhawunti ixhunyiwe ngokusekelwe kwinombolo yakho yokhuseleko loluntu. Zonke iintlobo zegama lakho ziza kubalwa kwi-akhawunti yakho ye-credit.
Yenza ikhredithi yakho
Fumana ikhadi lekhredithi elikhuselekileyo xa kuyimfuneko. Isitshixo sokwakha umgangatho omhle wamatyala kukubonisa ukuba unokuphatha i-credit ngokufanelekileyo. Oku kuquka ukuboleka kuphela into oyifunayo nokwenza iintlawulo ngexesha nganye ngenyanga. Ukuba sele unayo i-akhawunti egameni lakho yedwa, uhamba ngendlela efanelekileyo. Bhatala ngelixesha nganye ngenyanga kwaye gcina izilinganiso zekhadi lakho lesikweletu phantsi kwe-30% yomda wesikweletu.
Ukuba ungumsebenzisi ogunyazisiweyo okanye umnini-akhawunti odibeneyo kumakhadi akho ekhredithi yangaphambili, usenokuba sele unembali yekhredithi. Kwimeko enjalo, kungenokuba nzima ukuvula ii-akhawunti ezintsha kwigama lakho. Indlela engcono kakhulu yokuxelela ukuba ufake isicelo. Sebenzisa i-credit card yakho esandula kutsalwa kunye namanqaku ekrejethi ukuze ufumane ingcamango yoluhlobo lwamakhadi-mboleko omele uwafake isicelo. Ngokomzekelo, ukuba unembali yebhanki embi, khangela amakhadi ekweretheni kubantu abanekhredithi embi .
Emva kokuba unesiseko esihle semali kunye neakhawunti zekhredithi yakho, isitshixo sokwakha kwakhona umvuzo wakho wekredithi emva kokuqhawula umtshato kukuboleka kuphela oko unokukwazi ukuhlawula kunye nokuhlawula iindleko zakho ngexesha nganye ngenyanga.