Ukuba usebenza ukuphucula ikhredithi yakho okanye ukubukela utshintsho oluthile kwingxelo yakho yekhredithi , mhlawumbi ufuna ukwazi ukuba kaninzi ukubuyekezwa kweengxelo zemboleko. Ukukwazi ukuxela ukuba ingxelo yakho yekhredithi - kwaye ekugqibeleni umlinganiselo wakho wekhredithi-uya kutshintsha kukuxhalaba nabani na owazi ukubaluleka kokuba netyala elifanelekileyo.
Unokulindela nini iNgxelo yakho yeMboleko kwi-Update?
Akukho mpendulo ecacileyo malunga nokuba ngababambisi baninzi bahlaziya ingxelo yakho yekredithi.
Abayifuni ngokufanelekileyo ukuba baxelele kwii-credit bureaus. Nangona kunjalo, xa bethetha umsebenzi wakho weakhawunti, kufuneka ukuba uqinisekise ukuba ulwazi lwakho luphelile, luchanekile, kunye nemida yexesha lokubika ngetyala.
Ngenxa yokuba ababolekisi baxela kwiingxowa-mali zemali-mboleko baqhubeka ngokuhlaziya ulwazi lwenu, ingxelo yakho yekredenti ingahlaziywa kaninzi njengemihla ngemihla. Oku akuthethi ukuba zonke iakhawunti zakho zihlaziywa imihla ngemihla. Amashishini anayo ingxelo kunye neengxelo zamaziko eentengo zemboleko kumaxesha ahlukeneyo kunyaka nganye ngokusekelwe kwishedyuli yabo.
Akuthathe ixesha elide ukuba uhlaziyo luvele kwi-credit report yakho. Ekubeni iincwadana ezininzi zeentengo zemali zithunyelwa ngekhompyutheni, ukuhlaziywa okuthunyelwa kwii-credit bureaus kuya kubakho ukubonisa ingxelo yengxelo yakho yesikweletu ngokukhawuleza.
Qaphela ukuba ngelixa ingxelo yakho yekredenti ingakwazi ukuhlaziywa imihla ngemihla, ezinye izixhobo zokujonga iikratshi zamahhala zihlaziya kwakhona ingxelo yengxelo yemboleko ngeveki okanye ngenyanga.
Xa ubona ingxelo yakho yekhredithi ngelo nkonzo ethile, uya kubona kuphela ukuhlaziywa rhoqo njengoko inkonzo inika zona.
Kungenzeka ukuba ungaboni nayiphi na ingxelo yokubuyiswa kwengxelo yemboleko xa kungekho nkcazelo ye-akhawunti yakho ishintshile.
Ingxelo Yoshishino nini kwiiNkonzo zeeNgxowa-mali?
Ulwazi oluthe ngqo luhlaziywa ngokusekelwe kwishishini ngokubonelela ulwazi.
Abaniki bamakhadi ngekhadi bahlaziya rhoqo ingxelo yakho yeengxelo zemboleko kwi- akhawunti yakho yokuvala ingxelo ye-akhawunti , eyona suku lokugqibela lomjikelezo wakho wokuhlawula . Uyakwazi ukufumana umhla wokugqibela we-akhawunti yokuvala ingxelo kwikopi yakho yesitatimende sokugqibela. Yongeza inani leentsuku kumjikelezo wakho wokuhlawula ukuya kuloo mhla ukuqikelela ukuba umva wakho wokugqibela wekota ingxelo.
Umzekelo, ukuba umjikelo wakho wokugqibela wokubhatala uvale ngo-Ephreli 17 kwaye umjikelo wakho wokuhlawula unemihla engama-29 ubude, umhla wokugqibela we-akhawunti yokuvalwa ngomhla we-Meyi 16.
Imibuzo eyenziweyo xa wenza izicelo zemali-mboleko okanye amashishini afuna ukulungelelanisa ukuhlaziya ngokukhawuleza. Ukuba ukhangele ingxelo yengxelo yakho yekredithi emva kokuba wenze isicelo esitsha, uphando luya kuba sele lukhona. Gcina le ngqondo kuba izicelo ezizayo ziyakwenyulwa ukuba unemibuzo emininzi yakutshanje.
Isikhathi sokuhlaziya iirekhodi zoluntu siyahluka kwaye kunzima ukuqikelela ukuba inkundla nganye isebenza kwixesha elifanelekileyo lexesha.
Kuthiwani Ngezibuyekezo kwiNgcaciso Yolwazi?
Ngombulelo, iimpazamo zakho zekhredithi azikulandeleli ngonaphakade. Uninzi lweengxelo ezimbi zinyamalale ngokupheleleyo kwingxelo yakho yekredithi emva kweminyaka eyisixhenxe. Ufanele ubone ukuhlaziywa kwengxelo yakho yeekhredithi kwaye la ma-akhawunti ayanyamalala ngexesha lwenyanga yesibhozo sesi-7 somhla we-akhawunti wobugqwetha.
Nangona i-akhawunti ihlala kwingxelo yakho yemali, iya kuhlaziywa ukuba kukho utshintsho kwiinkcukacha. Ngokomzekelo, ukuba wenza iintlawulo kwiakhawunti ekhohlakeleyo, ukuhlawula, isimo se-akhawunti kunye nolwazi lokulinganisela lungabuyekezwa zonke.
Iingxelo ezingasebenzi okanye ezivaliweyo azikwazi ukuhlaziywa kuzo zonke, ingakumbi ukuba akukho nto iguqule kwi-akhawunti kwiinyanga eziliqela.
Ukuba uphikisana nento, iziphumo zengxabano ziya kuhlaziya ngokukhawuleza xa i-credit bureau igqiba uphando. Izithuba zemali-mboleko zinemihla engama-30 ukuphanda ingxabano yakho, kodwa umda wexesha unokunyuka ukuya kwiintsuku ezingama-45 ukuba uthumela ubungqina obongezelelweyo ngexesha uphando luqhubeka.
Ukubonelela ngokutsha kweeNkcazo zeNgxelo zeNkcazo
Ababolekisi bemali-mboleko banakho ukuhlawula umrhumo we-rescore ngokukhawuleza ukuhlaziya ingxelo yengxelo yemboleko kwiintsuku ezingama-2-3, kuphela ngeenkcukacha ezichanekileyo.
Ukuba uzama ukuphakamisa amanqaku akho amakhredithi ukuba ufumane imvume yokuboleka imali okanye ufanele ukufumana umlinganiselo wenzalo engcono, umnini-mboleko wakho wokuthenga imali unokukwazi ukusebenzisa le nkonzo ukukunceda. Usebenza ngokukhawuleza xa unobungqina benkcazo ye-credit report okanye unako ukuhlawula iakhawunti ngokukhawuleza kwaye udinga ibhalansi ukubonisa ingxelo yengxelo yakho yekhredithi kunye namanqaku akho kwangoko.
Ziza kuvela nini i-Credit Report Report zibonise kwi-Score yakho yeMatyala?
Emva kokuba utshintsho luboniswe kwingxelo yakho yekredithi, baxhomekeke kumlinganiselo wakho wekhredithi. Ngexesha elizayo xa ususa umlinganiselo wakho wesikweletu, ezo zibuyekezo ziya kubonakaliswa. Oko akuthethi ukuba yonke ingxelo yokuhlawula ingxelo yekredithi izakuhambisa umlinganiselo wakho wekhredithi. Konke kuxhomekeke kwiinkcukacha ezihlaziyiweyo kunye nayo yonke enye ingcaciso kwingxelo yakho yekhredithi.