Unokukhangela amanqaku akho ekhredithi ngelinye ilanga kwaye uqaphele ukuba ishukunyuka okanye iphantsi kwimihla yangaphambili, nangona uhlola i- credit bureau yekredithi yamanqaku. Okuqhelekileyo.
Ixesha leNqaku lakho lokuTyala leeNkcazo litshintsha kangakanani?
Amanqaku akho ekhredithi angashintsha rhoqo rhoqo imihla ngemihla kuxhomekeke kwindlela rhoqo ingxelo yakho yekhredithi ihlaziywa ngayo. Khumbula, umlinganiselo wakho wekredithi isishwankathelo senani leenkcukacha kwingxelo yakho yekhredithi.
Ababolekisi bakho nababolekisi baqhuba ngokuqhubekayo ingxelo kwi-credit report ingxelo yakho ngenyanga. Njalo xa uhlola umvuzo wakho wemali, uhlaziywa ngokusekelwe kwingcaciso kwingxelo yakho yekhredithi. Yingakho umlinganiselo wakho wekhredithi unokuba yinombolo enye ngosuku olunye kunye nenani elifanayo ngosuku olulandelayo. Ikhredithi yakho yekhredithi ingahlala ihlale ihleli ixesha leentsuku eziliqela ngokukhawuleza ifumane okanye ilahlekelwe ngamanqaku amaninzi.
Ngoxa i-credit score yakho ingatshintsha imihla ngemihla, ayiphenduli ngokukhawuleza kwizenzo ozenzayo kunye nekhredithi yakho. Ngokomzekelo, ukuba uhlawula ikhadi lekhredithi namhlanje, amanqaku akho ekhredithi akayi kubonakalisa loo ntlawulo kusasa. Kungenxa yokuba kukho ukulibaziseka phakathi kwexesha othabatha inyathelo kunye nexesha lokukhishwa kwekhadi lesikweletu (okanye ezinye iirhwebo) iingxelo ezitshintshela kwiivenkile zemali-mboleko. Nika ithuba lakho lokuthenga ngetyala ukuba uphendule kwimigudu yakho yokuphucula.
Ziziphi iinguqulelo zeeMali zokuTyala?
Umlinganiselo wakho wekhredithi unokutshintshela imihla ngemihla , kodwa ungathembeli kule ntshukumo encinci - ingaba up okanye uphantsi - njengombonakalo malunga nokuba i-credit yakho iyathuthuka.
Endaweni yoko, gweba ukuhamba komlinganiselo wakho wekhredithi ngaphezu kwexesha, iiveki okanye inyanga eziliqela, ukuze ufumane ingcamango yokuba i-credit yakho ihamba phi. Ngakolunye uhlangothi, ukuba ubona ukuhla okukhulu kumanqaku akho ekwereti , phangela kwakhona ukuba ubone oko kubangele utshintsho olukhulu kumanqaku akho ekhredithi.
Unokubeka iliso utshintsho lwemihla ngemihla kwii-Equifax neTransnnion izikolo zekredithi nge- Credit Karma kunye neenguqu zanyanga zonke kwi-Experian yakho yamanqaku ngemali nge-Credit Sesame.
Zombini iinkonzo zikhululekile kwaye azidingi ikhadi lekhredithi. Zizo zombini iinkonzo ezinzulu ukulandelela utshintsho kwiiklasi zakho zekredithi kwaye zibandakanya izixhobo zokukuxelela ukuba ulwazi lwakho kwingxelo yakho yekhredithi lushintshile njani. Oku kwenza kube lula ukulinganisa ulwazi lwenkcazo yeengxelo zemali eyenzela ukunyuka kwinqanaba lakho lekhredithi.