Ukuphuhlisa i-Score yakho yeMatriki usebenzisa le Iingcebiso
Xa usendleleni yokulungisa iitaliti, ufuna ukwazi into enye: yintoni ongayenza ukuze ukhulise amanqaku akho ekwereta. Nazi izinto ezimbalwa ongayenza ukuzisa i-credit score yakho. Okwangoku, qinisekisa ukuba ugweme abo babulala amanqaku amanqaku akhredithi abanokuguqula inkqubela phambili oyenzayo.
01 Yenza iakhawunti evulekile, esebenzayo efanelekileyo.
Umlinganiselo wakho wekhredithi ngumlinganiselo wendlela oye waphatha ngayo iakhawunti zekhredithi ngexesha elidlulileyo. Awuyi kuba nomlinganiselo omhle wokuthenga ngetyala xa ungenayo i-akhawunti okanye ukuba zonke ii-akhawunti ozenzayo zivaliwe okanye zilahlekile. Ukongeza iakhawunti ezilungileyo kwingxelo yakho yekhredithi iya kwandisa amanqaku akho ekwereta. Oku kunokuthetha ukuqala ngekhadi lesikweletu elikhuselekile okanye enye ikhadi lekhredithi yekhredithi embi .
02 Bhatala zonke iindleko zakho ngexesha - nakwazo ezingekho kwi-credit report yakho.
Into ebalulekileyo echaphazela umlinganiselo wakho wekhredithi ngumlando wakho wokuhlawula . Iintlawulo ezithe xaxa ozenzayo kwimbali yakho yeebhanki, xa umlinganiselo wakho wekhredithi uza kuphucula. Kunye ukuhlawulwa kwexesha elidlulileyo kunokubonisa ukuba awuzange utshintshe imikhwa emibi yekhredithi , ngoko qiniseka ukuhlawula ngexesha ngalinye.
Kubalulekile ukuba uhlawule ii-akhawunti ezingabhalwanga kwingxelo yakho yekhredithi kuba ziyakongezwa ekugqibeleni xa usweleka.
03 Gcina iakhawunti yakho ngaphandle kweqoqo.
Iingxelo zokuqokelela amatyala ngenye yeentlobo ezinzulu kakhulu zonqulo onokuzenza. Ekubeni nayiphi na i-akhawunti-nokuba yincinci encinane yeelayibrari okanye imfesane yakho yokutya yokutya-inokukwazi ukukhupha ingxelo kwingxelo yakho yebhanki, kubalulekile ukuba uhlawule onke amatyala akho okanye ubuncinane wenze amalungiselelo okuhlawula kunye nomgcini.
04 Nciphise izilinganiso zakho kwaye uzigcine ziphantsi.
Isixa sematyala onayo sinye into ebangela impembelelo yakho yekhredithi ngendlela ekhulu. Izilinganiso ezingaphantsi zilungelelaniso kumanqaku akho ekwereti, ngoko ke ukuba unemivuzo emikhulu, zihlawule. Abathengi abaneempawu eziphezulu zekhredithi banemivuzo engaphantsi kwe-10% yezikolo zabo zemali, ngoko jolise ukufumana izilinganiso zakho kwilo nqanaba okanye ngaphantsi.
05 Qinisekisa ukuba imingcele yakho yemali ichazwe ngokuchanekileyo.
Ingqalelo nje ukuba isixa-mali esithwalayo sithintela amanqaku akho esikhredithi, umlinganiselo wesikweletu sakho sekhadi lesikweletu kumda wezo makhadi ekhredithi. Ukuba imingcele yakho yekhredithi ayichazwanga ngokuchanekileyo, inokubonakala ngathi udibanise ikhadi lakho lekredit. Unokuphikisana nemingcele engalunganga kunye ne-credit bureau okanye ufonele umnini-mboleko wakho ukuba abuze isizathu sokuba umlinganiselo wakho wekhredithi awunakuchazwa ngokuchanekileyo.
Abanye abantu bacela ukunyuka kweekhredithi okwenyukayo njengendlela yokuphucula ukusetyenziswa kwazo kwekhredithi - umlinganiselo weekhredithi zekhadi lakho lokuthenga ngetyala . Kodwa, qaphela ukuba ucele umda wakho ukwandiswa. Abanye abanikidi bekhadi bekhredithi benza ukutsaliswa kanzima apho uphando olongezelelweyo lubekwe kwingxelo yakho yekhredithi kunye nokufakwa kwinqanaba lakho lekhredithi. Iingcingo ezinobungcono zilunge, kodwa akunako ukuba umthengi kufuneka asebenze isicelo sakho sokwandisa umlinganiselo wesikweletu .
06 Yeka ii-akhawunti ezindala zivule kwaye zigcine zisebenza.
Ubudala besikweletu kubalulekile xa kufike kumanqaku akho ekhredithi. Amanqaku akho ekhredithi aqwalasela unyaka we-akhawunti yakho endala kunye nobudala obuphakathi kwee-akhawunti zakho. Ukugcinwa kweakhawunti endala kukunceda ukuba ube neminyaka yobudala bekhredithi.
07 Vula ii-akhawunti ezintsha kwaye wenze izicelo ezintsha ngokukhawuleza.
Xa uvula i-akhawunti entsha , ubudala bakho bemali-mboleko buyancipha. Akunjalo kuphela, uphando olongezelelweyo kwingxelo yakho yekhredithi lunokulimaza amanqaku akho. Ewe, awukwazi ukuphelisa ngokupheleleyo ukuvula ii-akhawunti ezintsha. Ngokwenene unyathelo eliyimfuneko ukuba uphinde wakha umlinganiselo wekredithi owonakele. Vula ii-akhawunti njengoko ufuna.
08 Zineentlobo ezahlukeneyo zeakhawunti.
Amanqaku akho ekhredithi aphucula xa unamava ngeentlobo ezahlukeneyo zeakhawunti zeetyala . Oku kuthetha ukuba unamakhadi kunye neentengo zemboleko, ngokukodwa umboleko wemali, kwimbali yakho yematyala . Akufanele uthabathe i-akhawunti entsha, ingakumbi iimali-mboleko ezinkulu ongenakho ukuzenza, ngenjongo yodwa yokukhulisa amanqaku akho. Endaweni, vula ii-akhawunti njengoko ufuna, kodwa ubulumko malunga neentlobo zeakhawunti ozivulayo.
09 Lahla ulwazi olungalunganga.
Ukususwa kolwazi olungalunganga kwi-akhawunti yakho yekredenti kunokunyusa amanqaku akho okwekhredithi, kodwa ukuchithwa kwezinto ezivela kwingxelo yakho yekhredithi akulula. Unokuphikisana nokungena okungekho okungahambi kakuhle, ulinde ukukhawulelwa kwexesha lexesha lokuthenga ngetyala (ngokuqhelekileyo iminyaka eyisixhenxe), okanye uzame ukufumana i-furnisher yolwazi ukuba ususe ukungena kwi-credit report ingxelo yakho ngenkokhelo yokucima okanye ukunikezela.