Sihlawula iindleko ezininzi ngenyanga. Ngelixa abanye babo banceda amanqaku ethu ekhredithi, kukho abanye abangenakusiza izikolo zethu zemali, nangona zihlawulwa ngexesha. Iintlawulo zeefowuni zenyanga zilungele kule nqaku yokugqibela.
Kutheni ukuhlawula iifowuni zeeFowuni ngokukhawulezileyo Akunakunceda i-Score yakho yeMboleko
Ababoneleli ngefowuni abaxeli iifihla rhoqo kwii-credit bureaus nangona bajonga umlinganiselo wakho wekhredithi ukuba banqwenele ukuba bakuvumele isivumelwano sefowuni okanye icebo lokufakelwa kwefowuni entsha.
Oko kuthetha ukuba kungakhathaliseki ukuba zingaphi ixesha owenza ngayo inkokhelo yakho yefowuni ngexesha, ayiyi kunceda amanqaku akho ekhredithi ekubeni iintlawulo azixeliwe kwii-credit bureaus. Kubonakala kungalunganga ukuba i-credit yakho isetyenziselwa ukwenza isigqibo malunga nembopheleleko yemali engenakunceda i-credit yakho.
Ababoneleli ngefowuni baya kuhlola kwakhona i-credit yakho ukuba ufuna ukuxhasa imali yeselula entsha. Uninzi lweefowuni zefowuni zifuna ukuba uthenge okanye uqeshe ifowuni entsha. Ngandlela-thile, mhlawumbi uza kugqiba isicwangciso sefowuni yakho yefowuni entsha kunye neentlawulo ezincinane zenyanga ezibandakanyiweyo nemali yakho yenyanga yenkonzo. Xa ufumana ifowuni entsha, umphathiswa uya kwenza ikhonkco yokuhlola ukuqinisekisa ukuba ufanelekile ukufumana imali kunye nawaphi amagama. Nangona ukwandiswa kwemali-mboleko ukuhlawula ifowuni yakho entsha, iintlawulo azakuxelwa kwi-credit bureaus kwaye ayiyi kunceda amanqaku akho.
Izicelo ezintsha zefowuni zeeFowuni kunye nokuhlawulwa kwexesha elide kungakulimaza amanqaku akho
Imibuzo eyenziwe kwimbali yakho yematyala xa usungula inkonzo entsha okanye ukuxhasa ngemali ifowuni inokuchaphazela i-credit yakho, nangona iintlawulo zingenzi. Imibuzo yesikweletu i-10% yemali yekredithi kwaye ichaphazela kuphela i-credit yakho ngeenyanga ezili-12.
Emva kweenyanga ezingama-24, imibuzo ivela kwingxelo yakho yekhredithi ngokupheleleyo.
Nangona ukuhlawulwa kweefowuni ngexesha elifanelekileyo akuncedi umlinganiselo wakho wekhredithi, iintlawulo zexesha elide zingakwazi. Imali enye okanye ezimbini ezihlawulwa emva kwexesha aziyi kulimaza ikhredithi yakho, nje kuphela xa ufumana imali ekudlulileyo ngaphambi kokuba isivumelwano sakho sigqitywe kwaye umphathi wakho wangaphambili ujika i-akhawunti yakho kwiiqokelelo.
Ukuba uyeka ukwenza iintlawulo zefowuni kunye ne-akhawunti yakho ivalwe ngokukhawuleza, umnini-fowuni umthumeli angathumela i-akhawunti yakho kwi-arhente yokuqokelela ukuhlawula. Iqoqo lokuqokelela liza kubhalwa kwingxelo yakho yekhredithi kwaye iya kuphazamisa kakhulu amanqaku akho. Unokuphazamisa amanqaku akho ekwereta xa ugqiba isivumelwano sakho ngaphambi kwesikhashana okanye unqamule iinkonzo zakho ngaphandle kokuhlawula ngokupheleleyo umrhumo wokugqibela okanye i-balanace esele kwifowuni yakho.
Emva kokuba i-balance cell phone ibhalise kwi-credit report yakho, iya kuhlala apho iminyaka eyisixhenxe njengaye ininzi yolwazi olungenakutyala ngetyala. Amanqaku akho ekhredithi aya kuthatha inkulu kakhulu kwiminyaka embalwa yokuqala emva kokugqithiswa kwongezwa kumanqaku akho okwereta, kodwa umlinganiselo wakho wekhredithi unokuhlawulela ixesha xa wenza zonke iintlawulo zakho ezihlobene nekratshi ngexesha kwaye ukhuphe ikusasa nayiphi na iqoqo elizayo.
Ulungelelaniso olunokwenzeka?
Nangona iifowuni zefowuni ezifanelekileyo ngexesha elifanelekileyo alinakunceda amanqaku akho ekhredithi, iintlawulo zekhadi lesikredenti ezifike ngexesha. Ukuba unekhadi lekhredithi evulekile, ungayisebenzisa ukwenza iintlawulo zakho zefowuni, uze ujike uze ukhokhe ikhadi lakho lesikweletu. Iintlawulo ezifike ngexesha lakho kwikhadi lekhredithi liya kunceda ekuphuculeni amanqaku ekhredithi. Amanye amakhadi ekhredithi enokubonelela nge-inshorensi yokukhusela i-cell phone xa uhlawula i-bill yakho ngekhadi lakho lesikweletu. Hlola imiqathango yenkqubo yembuyekezo yekhadi lakho lekhredithi ukuze ubone ukuba ngaba kunjalo ngekhadi lakho lesikweletu.
Ukuba ufuna ukubona iindidi zee-akhawunti zifakwe kwingxelo yakho yekhredithi, unako ukuyalela ikhophi yamahhala nge-AnnualCreditReport.com.