Ingxelo yakho yekhredithi ibandakanya iinkcukacha ezahlukeneyo malunga neakhawunti yakho yekhadi lekhredithi, kuquka nemo nganye ye-akhawunti. Kwiingxelo ezivaliweyo, ingxelo yakho yekhredithi ingabandakanya izimvo ezibonisa ukuba ngubani ovaliwe i-akhawunti, ngokukodwa "i-akhawunti ivaliwe ngumboleki" ukuba umniki wekhadi lesikweletu avala i-akhawunti yakho.
Ababolekisi banezizathu ezahlukeneyo zokuvala ikhadi lakho lesikweletu. Umzekelo, umniki wekhadi lakho lesikweletu angavala i-akhawunti yakho xa uhlawula kakhulu kwiintlawulo zakho, vumela i- akhawunti ukuba ingasebenzi ngexesha elide, okanye umbolekisi akasayi kukhupha lelo khadi.
Ngaphandle kwimeko yokungcoliswa kwemali, ingxelo yakho yekhredithi ayiyi kubonisa isizathu sokuba umniki wekhadi lokuthenga ikhredithi uvaliwe i-akhawunti, kuphela ukuba ivaliwe ngumboleki.
Ngaba "iAkhawunti ivaliwe nguMgcini-mgcini" Yenza umonakaliso Ngeyona nto inqaku lakho?
Inqaku elithi "i-akhawunti ivaliwe ngumboleki" okanye ukuba umbolekisi uvale i-akhawunti yakho ayilimazi amanqaku akho . Olu hlobo lwamazwana alithatyathwa yi-credit rating score calculation.
Ukuba nekhadi lekhredithi elivaliweyo , nokuba nguwe okanye umbolekisi, kunokulimaza amanqaku akho. Umzekelo, umlinganiselo wakho wekhredithi unokuchaphazeleka ngekhadi lesikweletu elivaliweyo ukuba unayo ibhalansi kwikhadi lesikweletu okanye ukuba unamanani aphakamileyo kuwo onke amanye amakhadi enkoleko kwaye le yikhadi elilodwa elinemarike ekhoyo. Unokunciphisa impembelelo kumanqaku akho ekhredithi ngokuhlawula ibhalansi kwikhadi lekhredithi elivaliweyo, nokuba ufanele uyihlawule ixesha elide.
Ukuba umniki wekhadi lokuthenga ngetyala le-akhawunti uvale i-akhawunti yakho ngenxa yokuhlawulwa kwexesha elide okanye ukugqithisa okunzulu, ezo nxaxhiso ziyakuchukumisa amanqaku akho.
Ezi ntlawulo zexesha elide ziya kuhlala kwiirekhodi zakho zemali iminyaka engama-7, kodwa ziya kuphazamisa amanqaku akho okwekhredithi ngaphantsi kwexesha lokuhamba kwaye njengoko ungeze ulwazi oluchanekileyo kwingxelo yakho yekhredithi. Iingxelo ezivaliwe ngokuma kakuhle ziya kuhlala kwi-credit report yakho kwiminyaka elishumi okanye nayiphi na ixesha ixesha le-credit bureau libekelwe ukunika ingxelo ngokukhawuleza, ii-akhawunti ezivaliweyo.
IiAkhawunti eziValiweyo kunye neNkcazo yeNgxelo yokuTyala
Nangona iakhawunti yekhadi lesikweletu ivalwe, iya kuhlala kwi-credit report yakho. Ukuba usayenza iintlawulo kwi-balance, umlando wokuhlawula kunye nokukhawuleza kweentlawulo zakho-kuya kubikwa kwakhona. Kubalulekile ukuba uqhubeke wenza okungenani intlawulo encinane kwinyanga nganye, nangemva kokuba ivalwe i-akhawunti, ukukhusela amanqaku akho. Ukuhlawulwa kwexesha elizayo kuya kuphazamisa amanqaku akho ekhredithi nje ngokuba ukuba ikhadi lekhredithi lalivulekile.
Ukuba unayo i-akhawunti echazwe njengevaliwe kwaye isaphila, qhagamshelana nomkhupheli wekhadi lakho lesikweletu ukuze ufumanise isizathu sokuba. Okanye, ukuba i-akhawunti ithi umbolekisi uvale yona nangona nguwe owawuvalileyo, unokusebenzisa inkqubo yokubambisana neengxelo zemboleko ukuze uhlaziye ingxelo yesikweletu sakho ukubonisa loo nto. Khumbula ke, ayikulimazi amanqaku akho okwekhredithi, nokuba wena okanye umniki wekhadi lakho lesikweletu uvale i-akhawunti.