Kodwa iingxelo zekhredithi eziqhelekileyo ezikhutshwe yi-arhente yokubika ngetyala yemveli - i-Experian, i-Equifax kunye ne-TransUnion-ingabonakali ulwazi oluninzi malunga noluntu njengoko unokucinga. Nazi ezinye iinkcukacha onokumangaliswa ukuzifunda ezifakiwe kwingxelo yakho.
Amanqaku akho ekhredithi: Xa ukhuphela ikhophi yamahhala yeengxelo zakho zekredithi ukusuka ngonyaka wesikweletu, uza kucinga ukuba umlinganiselo wakho wekredithi uza kufakwa kwingxelo. Ngelishwa, kuya kufuneka uhlawule eyongezelelweyo ukuthenga amanqaku ekhredithi esuka kwi-FICO okanye enye yee-arhente ezinkulu zokubhengisa ngetyala. Ukuba awufuni ukukhwela imali ngemali yexesha elilodwa, ungaphinde ufikelele ikopi eyongezelelweyo kwiinkonzo zemali zesikweletu samahhala, njenge-Discover Credit Scorecard okanye i-Capital One's CreditWise.
Ingeniso yakho kunye notyalo-mali: Ingxelo yakho yekhredithi ingaba neenkcukacha malunga nembali yakho yomsebenzi ukuba umboleki-mali ubalisa igama lomqeshi wakho xa uvula i-akhawunti entsha.
Nangona kunjalo, ayiyi kuxela ingeniso yakho, kwaye ayiyi kubelana ngolwazi malunga neempahla zakho ezihlawulelwayo, utyalo-mali okanye ugcino.
Amakhadi akho engekho ngetyala: Ulwazi malunga namanye amathuluzi okuhlawula oyisebenzisayo, njengamakhadi ahlawulwe, uya kushiya iingxelo zakho. Kwixesha elidlulileyo, amanye amakhadi ahlawulwe ngaphambili axelwa ukuba abike iinkcukacha zamakhasimende kwiimali zesikweletu, kodwa akukho namakhadi okwangoku afumaneka akwenze oko.
Ngokuqhelekileyo, iimali zentengo yemali yeentengo zemboleko zemali zeengxowa-mboleko zendabuko ziyakumakhadi akho ekhredithi, iimali-mboleko, iimali-mboleko zentlawulo kunye nezinye iintlobo zemboleko.
Iintlawulo zakho ezinxulumene netyala: Kwiimeko ezininzi, iintlawulo zakho ezingenakutyala ngetyala, ezifana nezindleko zesevisi okanye iintlawulo zefowuni, aziyi kubonakalisa kwingxelo yakho yemali-ngaphandle kokuba uwele emva kwilwayo. Ukuba ibhasoti iya kwiiqoqo, ukuhlawulwa okungafihliweyo kuya kuqinisekiswa ngokuqinisekileyo. Zonke iindawo zemboleko zetyala zineenkcukacha zibandakanya ulwazi malunga neentlawulo zokuqeshisa ngexesha xa zikhona-kodwa kuphela xa umnini-mali ebika kwi-bureau. Abanini bezindlu abaninzi ababikanga olo hlobo lwazi kwi-arhente yokubika ngetyala.
Iingxowa-mali zogqirha bakho: Ngaphansi koMthetho we-Intsholongwane yokuPhathwa kwe-Intshuwalense kunye nokuPhatha (i-HIPAA), ababoneleli bezonyango abavunyelwe ukwabelana ngolwazi oluyimfihlo malunga nembali yakho yezobugqirha, ngoko ke awuyi kubona naziphi iinkcukacha zakho malunga nohambo lwakho loogqirha okanye imbali yezemali kwi-credit yakho. ingxelo. Kodwa ukuba uyaphuthelwa inkokhelo kumboneleli wakho wezempilo, umniki-zonyango unokuthumela loo matyala kwiiqoqo . Kwimeko apho, i-akhawunti yokuqokelela yezokwelapha iya kubonisa ingxelo yakho.
Imbali yekredithi yomlingani wakho: Ukuba uwela kumntu onokuziphatha okungaphantsi kweentengo zekhredithi, akufanele ukhathazeke malunga nokuyeka kwezemali kwiingxelo zakho.
Ngaphandle kokuba ungayibhalisela imali mboleko kwaye uthathe uxanduva olubambisene nalo, izakhono zekhredithi zakho ziyakuchukumisa ingxelo yakho. Abanye abantu bakholelwa ngokugqithiseleyo ukuba iitaliti zeembini zengxelo zidibanisa ngandlela-thile xa zitshatile, kodwa loo ngqungquthela. Nonke niba neengxelo zenu ezahlukileyo kunye neebhilikhi kuphela ezivela kubo zizo ngegama lakho.
Imbali yakho yezobugebengu: Ukuba usebenze ngokusemthethweni nomthetho, awudingi ukuxhalaba malunga neengxelo zakho zeentengo zemali ezivakalisa loo ngcaciso kubaboleki abakhona. Imbali yolwaphulo-mthetho ayibonakali kwiingxelo zemveli zemali. Nangona kunjalo, ii-arhente zengxelo ezincinci zabathengi ziqokelela kwaye zithengisa olo lwazi kubaqeshi nakwabanye abaqhuba isiqhelo sendawo yokuhlola. Kodwa yile ngxelo ehlukile.
Uninzi lwezigwebo zomntu: Kuze kube kutshanje, izahlulelo zomphakathi - apho uhlawuliswe ngemali kwaye uyalelwa ukuba uhlawule - zibonise kwiingxelo zemboleko.
Kodwa ukususela ngoJulayi 1, 2017, ii-credit bureaus aziyi kuphinda zixele iirekhodi zoluntu, njengezigwebo zomthetho okanye iibhendi zerhafu, ngaphandle kokuba irekhodi liqulethe igama lakho, idilesi kunye neNombolo yoKhuseleko loLuntu okanye umhla wokuzalwa. Ekubeni izigwebo kwi-domain yoluntu azinalo ulwazi olunzulu, oku kuthetha ukuba ezininzi izahlulelo zomthetho aziyi kufakwa kwiingxelo. Ngokutsho kweqela lezorhwebo lokuthengisa ngetyala, uMbutho wezeNkcukacha zabathengi , phantse isiqingatha sentlawulo yerhafu kwirekhodi karhulumente mhlawumbi ayiyi kuhlangabeza imigangatho yemirhumo yemirhumo entsha, kwaye ke ayiyi kubakho kwiingxelo zemboleko.