Kulula ukwenza iimpazamo xa kuziwa ngetyala lakho. Ezinye iimpazamo ziyingozi kakhulu; awunakuze ufune ukuba avele kwingxelo yakho yekhredithi kuba ibuhlungu umlinganiselo wakho wekhredithi kunye namathuba akho okufumana imvume yamakhadi-mboleko kunye nemboleko. Okubi kakhulu, ulwazi olubi luhlala kwi-credit report yakho iminyaka eyisixhenxe, okanye 10 kunye neSahluko 7 sokuchithwa. Yenza into onokuyenza ukuze ugweme ukuba nale engeniso engenayo ifakwe kwingxelo yakho yekhredithi.
01 Iintlawulo-ntlawulo
Ukungaphumeleli iintlawulo zakho kwiinyanga ezili-6 okanye ngaphezulu kungenza ukuba umboleki wakho ahlawule-akhawunti yakho. Inkokhelo-mali yindlela yokukhishwa kwamakhadi ekhredithi yokubhalwa kwetyala lakho njengenqatshelwe. Nangona kunjalo, usenetyala letyala kwaye umbolekisi uya kuqhubeka ekukulandelelanisa imali efunekayo.
Iakhawunti ehlawulwayo ihlala kwingxelo yakho yeebhanki iminyaka eyisixhenxe, ukususela ngomhla ohlawulwa ngawo i-akhawunti. Leyo iyonke iminyaka eyisixhenxe kunye neentsuku eziyi-180 ukususela ngomhla oqale wangena kuzo.
02 Ukuqokelela amatyala
Awuyi kubakhokhela kuphela i-akhawunti yakho i-akhawunti emva kwexesha lokungahlawulwanga, bangaphinda baqeshe umqokeleli wetyala lomntu wesithathu ukuzama ukuqokelela imali evela kuwe.
Abaqokeleli abaninzi beetyala baxela i-akhawunti yokuqokelela kwingxelo yakho yeekhredithi, wongezelela ukungena okungenayo. Ukuqokelela kuya kuhlala kwi-credit report yakho iminyaka eyisixhenxe, nangemva kokuba uyihlawule. Ngethamsanqa, xa uhlawula iqoqo, i-akhawunti ihlaziywa ukubonisa ukuba uyihlawule ngokupheleleyo.
03 Bankruptcy
Ukutsalwa kwebhanki kukuvumela ukuba ususe ngokusemthethweni ezinye iimeko okanye zonke iimali zakho, kuxhomekeke kuhlobo lokutsalwa kwebhanki ozifayileyo. Ingxelo yakho yekhredithi iya kubonisa nganye iakhawunti ozifake kwi-bankruptcy yakho. Nangona ulwazi lwe-bankruptcy luya kuhlala kwi-credit report yakho kwiminyaka esixhenxe ukuya kwe-10, ngezinye izihlandlo ungaqala ukwakhiwa kwekhredithi yakho emva nje kokuba amatyala akho akhutshwe.
04 Ukuchazwa
Ukuba ungagqibekanga kwimboleko yakho yokubolekwa kwemali , umnini- mboleko wakho uya kuphinda abuyele ekhaya lakho neyontengiso ukuba abuye abuyele imali leyo. Le nkqubo yaziwa ngokuba yi-foreclosure. Xa ikhaya lakho lichanekile liyakonakalisa kakhulu inkokhelo yakho, ukunciphisa amandla akho okufumana i-credit entsha kwikamva. I-foreclosure iya kuhlala kwi-credit report yakho iminyaka eyisixhenxe.
05 Ukubuyiswa
Ukubuyiselwa kwenzeka xa ungekho phantsi kweentlawulo zakho zemali mboleko kwaye umboleki-mboleko kufuneka athathe imoto yakho. Unokuba njengomncinci kangangeentsuku ezimbalwa kwiintlawulo zakho kwaye umnini-mboleko angaqalisa inkqubo yokubuyisela. Ukuba ukubuyiswa komhlaba kumhlaba kwingxelo yakho yekhredithi, kuya kuhlala iminyaka eyisixhenxe.
06 Iingxowa zerhafu
Xa ungahlawulisi irhafu yepropati kwikhaya lakho okanye enye indawo, urhulumente angabamba ipropati kunye neyontengiso leyo ngaphandle kweerhafu ezingahlawulwanga. Nangona ikhaya lakho lichithwe ngenxa yesikhanti sentela, usenomthwalo wemboleko mboleko. Ukungabikho kwentlawulo yemboleko mboleko kuya kubangela intlungu nakwi-credit. Iingxowa zerhafu ezingakhokhelwa zihlala kwi-credit report yakho kwiminyaka eyi-15, ngelixa izibambiso zerhafu ezihlawulwe zihlala ezili-10.
07 Amacala okanye izigwebo
Abanye ababolekisi bangakuthabatha enkundleni baze bakubolele ityala xa ezinye iqoqo zingaphumeleli. Ukuba umgwebo uchanileyo kwaye isigwebo senziwe ngokuchasene nawe, siya kuhlala kwi-credit report yakho iminyaka engama-7 ukususela ngomhla wokufaka, nangona emva kokuba unelise isigwebo.