Emva kokuba ufumene iikhredithi kufuneka ufumane iqondo lakho lekolishi, uhlobo olutsha lwe-credit luba luleke. Olu hlobo lwekhredithi luyakukuchaphazela ubomi bakho bonke; kuya kuba nefuthe lakho ukufumana iimpahla ezithile kunye neenkonzo ngaphambi kokuba uzihlawule ngethemba lokuba uza kuhlawula ngekamva.
Usenokuba nolwazi olunekhredithi, ngokukodwa ukuba unayo ifowuni okanye iibhidi zesevisi okanye ikhadi lekhredithi.
Kodwa, njengoko uwakha ubomi ngaphandle kwabazali bakho kwaye ungabikho kwikholeji yasekolishi, ukwakha nokukhusela i-credit yakho kubaluleke kakhulu.
1. Ukuba awuzange usungula imbali yengetyala , unokufumana kunzima ukurenta indlu, uthenge indlu okanye imoto, okanye ufumane nekhadi lesikweletu . I-Catch-22 yekhredithi kukuba ufuna udeni-mboleko ukuze uzuze ityala kodwa awukwazi ukufumana ityala xa ungekhredithi. Umsebenzi omhle, ukuhlawula okuphezulu, okanye abavoti abanokuzithandela banokukunceda ukuba uqalise ubomi bakho kwaye uqale ukwakha imbali yesikweletu esomeleleyo.
2. Iintlawulo zemboleko zabafundi ziya kuqala ezintandathu ezintandathu kwiintlobo zemali-mboleko yomfundi . Ukuba awuqali ukuhlawula-okanye wenze amalungiselelo okuhlawula-i-credit yakho iya kuphazamiseka. Ufumana ithuba lobabalo emva kokuba uphumelele ukufumana umsebenzi kwaye uqiniseke phambi kokuba uhlawule imali yakho.
Zama ukufumana ingcamango yento oyihlawula ngayo phambi kokuba uqale ukuzenza ukuze ungabanjwanga ngumlinganiselo wokuhlawula. Thetha kumbolekisi bakho malunga neenketho zokuhlawula imali ezihambelana neengeniso zakho kunye neendleko.
3. Ukuvula amakhadi amaninzi ngamatyala ngokukhawuleza kuyingozi , bambelela kumnye okanye ezimbini ukuya kufikeleleka kumsebenzi wakho omtsha kunye neendleko zokuphila ezintsha.
Ukuvunyelwa kwikhadi lakho lokuthenga ngetyala kungakuvuyisa, kodwa ungabi ngumlutha woluvo. Amakhadi okuthenga ngetyala anomngcipheko wetyala. Xa uqala nje njengomntu osemdala kwihlabathi langempela, akudingeki ukongeza iingxaki zekhadi lesikweletu kwoluhlu lwakho lwezinto ozohlangabezana nazo.
4. Iintlawulo ezifunekayo iintsuku (ngokuqhelekileyo) azithengiswanga kwaye zingekho umhla omele ungalimaza amanqaku akho . Abafundisi bakho banokukuvumela ukuba uguqule amaphepha akho ngosuku okanye emibini emva kokukunika isohlwayo, kodwa ababolekisi bakho abafana nobabalo. Ungatshintsha inkokhelo ethile ngenxa yemini kwixesha elingcono ngenyanga, kodwa kungekhona njengendlela yokuphepha yokuphepha. Zifumane ukuhlawula iindleko zakho ngexesha kuba zilahlekile ziza nezigwebo ezibizayo .
5. Unokufikelela kwingxelo yekhredithi yamahhala kanye ngonyaka . Myalelo rhoqo ngonyaka ukuze ugcine umkhondo wezinto ezenzekayo kwi-credit life. Ingxelo yakho yekhredithi iqulethe uluhlu lwe-akhawunti yakho yekredithi. Yiyo ababolekisi, ababolekisi, kunye namanye amabhizinisi asetyenziswayo ukugqiba ukuba ngaba avumele izicelo zakho. Ukutyelela i-yearcreditreport.com ukuze ufikelele kwingxelo yemboleko kwikarhulumente nganye kwiintlobo ezinkulu ezintathu zeentengo zemboleko . Ukuphonononga ingxelo yakho yekredithi ukuqinisekisa ukuba ulwazi oluchanekileyo luzalisekile kwaye luzalisekile.
Iphikisana nayiphina impazamo kunye ne-bureau yeekhredithi ukuba ikhutshwe.
6. Iimali eziqeshwe ngumntu ohlala naye angahlawulanga zinokulimaza amanqaku akhotyala-inani elilinganisa imbali yakho yekhredithi. Ukuba uhlala nomntu ohlala naye, qaphela ukuba nayiphi na irente kunye nezinye iindleko ezinegama lakho kuzo zihlawulwa ngexesha ngalinye ngenyanga. Iinkampani azizinakunyanga ukuba wena kunye nomntu ohlala naye unesivumelwano somlomo (okanye eso sibhaliweyo) sokudibanisa i-bill. Banokhathalele ukuhlawulwa ngexesha eliza kuthiwa ngubani igama kwi-bill.
7. Ukubeka ikhredithi yakho kumgca womnye umntu akuyilunganga . Ukuba sele unesikolo esilungileyo, cinga kabini ngokusayinela umhlobo, isihlobo okanye umlingane othandana naye. Xa ubhalela umntu, uqinisekisa ukuba iintlawulo ziya kwenziwa nganye ngenyanga nokuba oko kuthetha ukuba kufuneka ubenze. Xa omnye umntu ephosa iintlawulo, ichaphazela yakho i-credit.
Ukungabikho iintlawulo kunokuphazamisa i-credit yakho, okwenza kube nzima kuwe xa ufuna ukuboleka imali. Gcina oku engqondweni kwakhona ukuba ucele umzali okanye umhlobo ukuba akhombe okuthile kunye nawe.
8. Yonke into oyenzayo ngoku ichaphazela i-credit yakho kwiminyaka ezayo . Yenza izigqibo zobulumko kwaye uya kuvuzwa ngamanqaku omvuzo . Ngokufanayo, izigqibo ezimbi kunye neempazamo zekhredithi ziza kubangelwa amanqaku amatyala angalunganga. Ulwazi olubi luhlala kwikhredithi yakho iminyaka eyisixhenxe. Ukuba wenza i-mistake yekhredithi kwiminyaka engama-22, iya kuhlala kwi-credit report yakho kude kube neminyaka engama-29. Xa ufuna ukufumana imali yokuthenga okanye ukuthenga imoto entsha, iimpazamo ozenzileyo kwiminyaka edlulileyo zinokukuchaphazela. Ngethamsanqa, akukho mda kwinqanaba lexesha ukuba ulwazi oluntle luhlala kwingxelo yakho yekhredithi. Nenjongo yokugcina i-credit yakho ihlambulukile ukuze ungayi kuba neengxaki phantsi kwendlela.