Ezi ntlawulo ezingayi kuphuculisa amanqaku akho eNgxowa-mali
Amanqaku akho ekhredithi yinani elinamandla ngokusekelwe kwindlela ohlawula ngayo iibhilidi ezithile, njengamakhadi- mboleko kunye nemboleko. Kodwa, kukho ukuthengiselana kwemali oyenzayo kwimpilo yemihla ngemihla engenawo umphumo kumanqaku akho ekhredithi-entle okanye embi. Nazi ezilishumi zezinto ongenakuze uzixhalabele malunga nokulimaza amanqaku akho.
01 Bank Bankdraft
Nangona kunjalo, ukuba i-akhawunti yakho ihlala ihlawulwa emva kweeveki eziliqela kwaye ibhanki yakho iphelela ekuthumele i-akhawunti yakho kwi- ejensi yokuqokelela , umlinganiselo wakho wekhredithi uya kuthatha, kodwa ngenxa yokuqokelela kwetyala ephuma kwi-akhawunti engadlulanga i-overdrafted. Kuyafana nokuvala i-akhawunti yebhanki .
02 yakho Imali
Ulwazi malunga nomqeshi wakho lungabhaniswa kwingxelo yakho yekhredithi , kodwa ingeniso yakho yangempela ayikho. Ababoleki kunye nababolekisi basebenzise ingeniso yakho ukuba banqwenele ukuba bayayivuma isicelo sakho kunye nokuba ungakanani ukuboleka. Kodwa ukuba nomvuzo ophezulu okanye ophantsi awuyi kuphazamisa ngqo umvuzo wakho wemali . Ngokomzekelo, umvuzo ophezulu awuyi kukhulisa amanqaku akho kunye nokuba umvuzo ophantsi ungadonsa amanqaku akho phantsi.
Umvuzo wakho unokuchaphazela indlela ohlawula ngayo iindleko zakho kunye nembali yentlawulo ifakiwe kumanqaku akho ekhredithi.
03 Iintlawulo zeNtshurensi
Ukuba ulahlekelwa ezininzi iintlawulo ze-inshurensi, inkampani ye-inshorensi iya kususa ipolisi yakho kunokuba ithumele ibhalansi engakhokhelwa kwiiqoqo.
04 Inkxaso yoNyana kunye neAlmony
Ukuxhaswa kwabantwana kunye neentlawulo ze-alimony aziyi kuphazamisa amanqaku akho kwikhredithi ngaphandle kokuba uwele emva kweentlawulo zakho kunye ne-arhente yokuqokelela kufuneka ibandakanyeke. Kuloo meko, umlinganiselo wakho wekhredithi unokuwa kakhulu. Akunjalo kuphela, unokubanjwa kwaye ulandelwe ngenxa yeentlawulo ozilahlekileyo.
05 Iintlawulo zeeNkonzo kunye neefowuni
Njengeenkampani zomshuwalense, ezininzi iinkonzo kunye nabanikezeli befowuni bajonga umvuzo wakho wekredithi ngaphambi kokuba ukwandise inkonzo. Kodwa ezi shishini azihlali zibonelela ngeenkcukacha zakho zokuhlawula kwii- credit bureaus . Amanqaku akho ekhredithi ayincedwa yiintlawulo ezifike ngexesha lakho okanye iifowuni zeefowuni. Nangona kunjalo, ukuba i-akhawunti yakho idlulileyo ngenxa yoko, inokudluliselwa kwi- arhente yokuqokelela eyayiza kubhala i-akhawunti kwingxelo yakho yekhredithi ekhokelela ekuhlaleni kwamanqaku ekhredithi.
06 Iintlawulo zentlawulo
Kwiimeko ezininzi, ukuhlawula irenti yakho ngexesha akuyi kunceda amanqaku akho. Enyanisweni, amanqaku eFICO aya kuhoywa umgca worhwebo wokuqeshisa nokuba ngaba ubonakala kwi-credit report yakho. Ngakolunye uhlangothi, ukuhla emva kwirejista yakho kunokukhokelela ekukhutshweni okuza kukulimaza amanqaku akho kunye nekhono lakho lokuqashisa okanye ukufumana amakhadi wesikweletu kunye nemali-mboleko kwixesha elizayo.
Kukho umzekelo: abanye abanikazi bezindlu bangabika iintlawulo kwi-Experian RentBureau. Kwizo zihlandlo, iintlawulo zentlawulo zinokukunceda akho ama-credit score.
07 Ukuhlola iNgxowa-mali yakho
Ungaqwalasela ingxelo yakho yekredithi okanye amanqaku ngamaxesha amaninzi onokuthandayo kwaye amanqaku akho okuthenga ngetyala awanakuyilahla ingongoma enye kuphela nje xa uyihlolisisa umthombo ohloniphekileyo, njenge-AnnualCreditReport.com, ii- credit bureaus , i-FICO, okanye umntu wesithathu osemthethweni. Nangona kunjalo, ukuba nekhredithi ukukhangela amanqaku akho ekhredithi ngokuba uya kubonakala njengophando olunzima oluya kubangela ukuba inqaku lakho lemali libuhlungu ngendlela efanayo nesicelo esitsha sekhredithi.
08 Inzala yakho yomdla
Amanqaku akho ekhredithi achaphazela inqanaba lakho lesithakazelo kwaye akukho ngenye indlela. Ukuba nemilinganiselo ephakamileyo yamanqaku akho kunye namatyala-mboleko ayiyi kulimaza amanqaku akho. Akunjalo namanani amanqanaba aphantsi aya kuphucula amanqaku akho. Kodwa, kukho ukulungelelaniswa phakathi kwamanqaku ekhredithi kunye namanani entengo kuba ababoleki banikezela amaxabiso angcono kunabo ababolekayo ngamanani amanqaku angaphezulu.
09 Ukwelulekwa ngetyala
Enye yeengcamango malunga nokucebisa ngekhredithi kukuba yinto embi kwikhredithi yakho njengeSahluko 13 sokuchithwa. Akunjalo. Nangona uqeqesho lweengxowa-mali lungabonakaliswa kwingxelo yakho yekhredithi, akuyi kuba yingozi emanqaku akho. Ukuba umcebisi wezikweletu ulawula iintlawulo zekhadi lakho lesikweletu, kufuneka uqinisekise ukuba umboleki wakho ufumana iintlawulo zakho ngexesha. Ukuhlawulwa kwexesha elide kulimaza amanqaku akho okwekhredithi nokuba ngaba bevela kumcebisi wezikweletu.
10 yakho yobudala
Ubudala bakho abubandakanyi kwi- credit score score calculation , kodwa kunokuba nobuhlobo phakathi kobudala bakho kunye namanqaku akho ekhredithi. Ukuba unobutsha, ithuba lokuba awunalo amava amaninzi ngekhredithi, enokuthi unciphise amanqaku ekhredithi. Omnye umntu omdala onomlando wesikweletu ophezulu unethuba lokuphulwa kweekhredithi zakudala ukuyeka ukunika ingxelo yekhredithi yabo, ngoko banokufumana amanqaku aphezulu.