Xa ufunda ingxelo yakho yekhredithi ngokokuqala ngqa, inokumangalisa, ngakumbi ukuba unayo i-akhawunti ezininzi ngexesha elide. Ukwazi ukuba ziphi iintlobo zezinto ezibonakalayo kwingxelo yakho yekredenti kunokukwenza kube lula ukufunda nokuqonda.
01 Igama lakho kunye nokuhluka
Ingxelo yakho yekhredithi ingaba neenguqu ezahlukeneyo kunye mhlawumbi nokuphambuka kwegama lakho. Umzekelo, igama lakho lokuqala nelokugqibela lingabonakala kunye negama lakho lokuqala kunye neyokugqibela kunye neyokuqala.
Ingxelo yakho yekhredithi iqulunqwe ngokusebenzisa ulwazi oluvela kubaboleki kunye nabathengisi owenza ishishini nabo. Igama obeka kuzo izicelo zakho (ebonakala kwikhadi lakho lesikweletu okanye izitatimenti zakho) ligama elivela kwingxelo yakho yemali-mboleko, ngoko uhlale uhambelana. Kwakhona, ukuba ababolekisi balahlekisile igama lakho, ukuba ukuphosakela kuya kubonakala kwingxelo yakho yekhredithi.
02 Idilesi zakho zangoku kunye neyokugqibela
Ukuba ufumene i-imeyile kwidilesi enye, kunokwenzeka ukuba ezi dilesi ziya kubonakala kwingxelo yakho yekhredithi. Ewe, ukuba kukho idilesi apho ungazange uhlale khona ebonakala kwingxelo yakho yekhredithi, unokuphikisana nayo . Ayenzi kakubi amanqaku akho okwekhredithi kodwa ingaba ngumqondiso wokuba utywala .
03 Umqeshi
Igama lomqeshi linokuvela kwingxelo yakho yekhredithi ukuba uyinike nawuphi na wabathengi bakho, ababolekisi, okanye amanye amashishini anika ingxelo kwii -credit bureaus . Ulwazi lomqeshi aluchaphazeli umlinganiselo wakho wekhredithi kodwa lunokunceda abanini-mboleko kunye nabaniki bamakhadi beekhredithi baqinisekise ulwazi malunga nemboleko yakho okanye isicelo sekhadi lesikweletu .
04 Iakhawunti evuselelayo
Iingxelo ezikhulayo zi-akhawunti zekhredithi onokuboleka ngokugqithiseleyo. Ibhalansi kwiakhawunti eguqukayo inokwenyuka okanye iphantsi phantsi kuxhomekeke kwiintlawulo zakho kunye nokuthenga. Amakhadi okuthenga ngetyala kunye nemigca yeebhanki ziintlobo ezimbini eziqhelekileyo zeakhawunti eziguqukayo.
05 Imali mboleko mboleko
Iingxelo zentlawulo ziyimali-mboleko yexesha elilodwa efuna iintlawulo zenyanga nyanga nganye ngexesha elimiselweyo xa umboleko uhlawulwa. Izimali zokubolekwa kwemali , iimali-mboleko zemoto , kunye nemali-mboleko yomfundi ziintlobo zemali mboleko mboleko. Imali-mboleko engakhuselekanga njengemali mboleko mboleko iya kubonakala kwingxelo yakho yekhredithi.
06 Iingxelo ezivulekileyo nezivaliweyo
Iingxelo ezivulekileyo kunye ezivaliweyo ziya kubonakala zombini kwingxelo yakho yeekhredithi, ngaphandle kwemeko engavumelekanga, ii-akhawunti ezivaliweyo ezisele minyaka engama-7. Ezi ngxelo ziye zadlula ixesha lokunika ingxelo ngekredithi . Iingxelo ezivaliwe ngokuma kakuhle zihlala kwingxelo yakho yekredithi malunga neminyaka elishumi emva kokuba ivalwe i-akhawunti, okanye nayiphi na ixesha i-credit bureau echaziweyo.
07 Imbali yentlawulo yeAkhawunti
Imbali epheleleyo yokuhlawula iakhawunti yakho yekredithi iya kuba kwingxelo yakho yekhredithi, ngaphandle kwembali yokuhlawula engaphantsi kweminyaka engama-7. Ngokuqhelekileyo, kuphela iinyanga ezi-24 zokugqibela zembali yentlawulo yenyanga nganye ziya kuvela kwingxelo yakho yeekhredithi, kodwa imimiselo eyadlulileyo yemimiselo yentlawulo ingafakwa kwinqanaba leenkcukacha kwi-akhawunti nganye.
08 Izicelo zesikweletu kunye neentengo zemboleko
Izicelo zamva nje zekhredithi ziza kubakho kwingxelo yakho yekredenti kwicandelo lemibuzo . Le mibuzo ihlala kwingxelo yakho yeebhanki kwiinyanga ezingama-24.
09 Iingxelo zokuqokelela
Amatyala angahlawulwa athunyelwe kwi- arhente yokuqokelela ngokuqhelekileyo avela kwingxelo yakho yekhredithi. Nento into encinci nje nge-$ 4 yokutyelela ielayibrari ingaphelela kwingxelo yakho yekhredithi ukuba ithala leencwadi lithumela i-akhawunti kwiiqokelelo. Yingakho kubalulekile ukunyamekela zonke iindleko zakho, nokuba ezo ezingabonakaliyo rhoqo kwiivenkile zemali-mboleko.
10 Iirekhodi zoluntu
Iirekhodi zoluntu zibandakanya izinto ezinjenge-bankruptcy, izibonelelo, kunye nokuvalwa kwangaphambili. Ezi zizo zonke iinkqubo eziye zangena kwinkqubo yenkundla. Ziza kubonakala kwakhona kwingxelo yakho yekredithi ukuya kwi-sixhenxe iminyaka yokubuyisela ukubuyisela kunye nokuchithwa kweminyaka, iminyaka elishumi yokutyunjwa.