Ukuba unayo i-akhawunti yezimali kunye kunye nekhadi lakho lekhredithi kunye neqabane lakho, unokulindela ukuba izikolo zakho zekredithi ziya kufana, kodwa oko akunjalo. Ngokuphindaphindiweyo, umlinganiselo wakho wekhredithi uza kuhluka kwiqabane lakho . Akuyiphutha kunye neengxelo zemboleko; ngokuqhelekileyo.
Nangona uhlangene kunye nomtshato oyingcwele, bobabini benu bajoyine izindlu, kwaye unalo igama elifanayo lokugqibela, uhlala ugcina iifayile zeekhredithi ezahlukileyo.
Imbali yakho yemboleko ibophelelwe kubunikazi bakho - uqhubeka usebenzisa igama lakho, usuku lokuzalwa, kunye nenombolo yokhuseleko loluntu ukuze ufumane imbali yakho yekhredithi. Zonke iakhawunti zekrediti zaye zahlukana - ngaphambi nangemva kokuba utshatile - ziyingxenye yembali yakho yesikweletu kunye nefuthe kuphela kumanqaku akho ekhredithi.
Ngaphandle kweeakhawunti ezidibeneyo ziya kuphazamisa izikolo zakho zemali ngokukodwa ngenxa yokuba izibalo zokubalwa kweekhredithi ziqwalasela yonke inkcazelo kwingxelo yakho yekhredithi, kungekhona i-akhawunti enye.
Ukuba ngaba unobumba uze uqhathanise iingxelo zakho zemali-mboleko, mhlawumbi uya kubona ukuba iingxelo zakho zihluke kakhulu . Lezo zantlukwano zizathu zokuba izikolo zakho zesikweletu zihluke. Ngezantsi zizathu ezimbalwa zokuba umlinganiselo wekhredithi omnye womtshato ungaphezulu kunomnye.
Umlingani wakho unokufumana iMbuyiselo engcono yeNtlawulo
Imbali yokuhlawula yinto ebaluleke kakhulu echaphazela amanqaku akho ekhredithi.
Ukuba unembali yokuhlawula ngokukhawuleza, ngelixa iqabane lakho lihlala lihlawula ngexesha, iqabane lakho liya kuba nomlinganiselo wekhredithi olungcono kunako. Iimpawu ezinzulu ezifana nokubuyisela, ukuchithwa, ukuchithwa kwemali, okanye ukungahlawulwanga kwemali-mboleko kunokukhawuleza amanqaku emboleko ekwakho.
Umlingani Wakho Unamatyala Angenakutyala
Isixa sematyala ophetheyo sisona sibini esona sikhulu sinqaku eliya kumanqaku akho.
Ukuba uthabatha ukuthwala iikhredithi ezinkulu kwiikhadi lakho lekhredithi - abo egameni lakho - ngelixa iqabane lakho lihlawula ikhadi labo lekhredithi ngokupheleleyo inyanga nganye, uza kubona umahluko kumanqaku ekwereti. Izilinganiso eziphezulu zemali mboleko zingachaphazela kakubi amanqaku akho.
Umlingani wakho unokuba netyala elide kunewe
Oku kunokwenzeka ukuba iqabane lakho lide kunokuba wena okanye lakho iqabane liqale ukusebenzisa i-credit phambi kwakho. Xa unamava amaninzi onayo kunye nekhredithi, bhetele umlinganiselo wakho wekhredithi uza kuba, ngakumbi ukuba unembali yesikweletu esilungileyo. Umlingane wakho unokukwenza ube ngumsebenzisi ogunyazisiweyo kwenye yee-akhawunti zabo ezindala ukunceda ixesha lakho lokuthenga ngetyala libukeka libhetele. Qaphela ukuba ezinye iinkolelo zokubalwa kwamatyala zingabandakanyi ii-akhawunti zomsebenzisi ezigunyazisiweyo.
Iingxowa-mali ezinkulu zibizwa ngegama lomlingani wakho
Ukuba neembali ngeentlobo ezahlukeneyo zeakhawunti kunceda i-akhawunti yakho yekredithi, ngakumbi ukuba uyayiphatha kakuhle loo akhawunti. Kubonisa ukuba unokuphatha ngokufanelekileyo iindidi ezahlukeneyo zeetyala. Ngoko ke, ukuba unomxube wemakhadi-mboleko kunye nemali-mboleko enkulu, njengemali yokubolekwa kwemali okanye umbolekiso wemoto, umlinganiselo wakho wekhredithi uza kuba ngaphezulu. Kodwa, ukuba le mboleko ihlala kwigama lakho lomyeni kuphela, kwaye ukuba inembali efanelekileyo yokuhlawula, umlingane wakho unokufumana amanqaku aphezulu ngaphezu kwewe.
Unayo Izicelo ezininzi zakutsha nje
Ukufaka isicelo kwiakhawunti entsha kungenza ukulahla kwexeshana kumanqaku akho ekhredithi. Okokuqala, nanini na xa usenza isicelo esitsha, kukho uphenyo kwiimbali zakho zebhanki ezingaba neendleko zamanani amanqaku amatyala. Emva koko, ngokuvula i-akhawunti entsha iyanciphisa i-credit age age. Ukuba lakho iqabane liyanelisekile ngekhadi lekhredithi langoku kodwa ulinganisela ukuthenga okanye ukhangele iikhathalo zakutshanje, umlinganiselo wakho wekhredithi unokuba ngumncinane.
Yintoni eyenzekayo xa Ufaka isicelo seTyala kunye kunye
Xa ufaka isicelo sekhredithi ndawonye, ababolekisi bangakhetha ukusebenzisa amanqaku aphezulu okanye aphantsi kwinqanaba lakho lesikweletu, okanye ngamanye amaxesha umlinganiselo wemilinganiselo yakho yesikolo-mboleko. Buza phambili ukuze wazi indlela engcono yokufaka isicelo ukuphucula amathuba akho okufumana imvume kunye nokufumana inzala engcono.
Qaphela ukuba ungasebenzisa kuphela umvuzo womntu womtshato xa isicelo sibini kunye. Ngenxa yeso sizathu, ufuna ukuba umlinganiselo wakho wekhredithi ube kwindawo efanelekileyo kakhulu.
Iqabane eliphantsi kwamanqaku liyakwazi ukuphakamisa amanqaku okuthenga ngetyala ngokubambelela kwiimali ezidlulileyo ngenxa yeebhilidi, iimpazamo eziphikisanayo, kunye nokuhlawula izilinganiso. Qala ukusebenza kwi-credit yakho ixesha elide phambi kokuba wenze isicelo esibambene semboleko. Ngaloo ndlela unethuba lokufumana i-credit score yakho ukuze ukwazi ukufumana imigaqo engcono.