Sonke sinesabelo sethu esifanelekileyo sezikhalazo malunga nekhredithi, amakhadi enkoleko, iinkampani zekhadi zekhredithi kunye nababolekisi. Okungakumbi, i-kredit ibonakala iyinto eqhelekileyo kuluntu lwethu, kodwa akusiyo yonke into embi. Ewe, kunye nekhredithi kukho icala elikhanyayo.
01 Amakhadi ekhredithi anokukunceda ukwakha ityala elifanelekileyo
Xa uwasebenzisa ngokuchanekileyo, amakhadi enkoleko anceda ukuba wakhe umlando onetyala, onokwenza ukuba abathengi babone njengengozi encinane. Njengoko ubonakalisa uxanduva ngamakhadi-mboleko, nakwabo abanomlinganiselo omncinci wesikweletu , unako ukuvunyelwa kumakhadi-mboleko ngemida emikhulu kunye nemali-mboleko yemali emikhulu.
02 Amakhadi enkokhelo anokukunceda uvuselele kwakhona iitaliti ezonakalisiweyo
Nangona wenze iimpazamo ezinkulu zemboleko , i-credit yakho ayifanele ibe yingozi ngonaphakade. Unokuqala ukwakha i-credit yakho ngokusebenzisa ikhadi lekhredithi.
Isibalulekileyo akusebenzi ukusebenzisa i-credit njengokuba wawukho ngaphambili. Esikhundleni saloo ndawo, buyisela imithwalo yakho embi yekhredithi kwabanye abaxanduva: ukuhlawula kuphela oko unokukwazi ukuhlawula kunye nokuhlawula iindleko zakho ngexesha. Xa ungeke ukwazi ukuvunyelwa kwikhadi lekhredithi rhoqo, ukufumana ikhadi elikwi- credit card liza kusebenza ngokukhawuleza ukukunceda ukuvuselela imbali yebhanki embi.
03 Ababolekisi abakwazi ukugcina iimfihlelo ezivela kuwe
... ubuncinci kungabikho iimfihlo ezikuwe. Nangona abathengi baxelela abanye abatyala imali ukuba uhlawule njani (kwaye awuhlawulwanga) zakho iindleko, unokukwazi ukubona ulwazi olufanayo. Ngokuyalela ikopi yengxelo yakho yekhredithi , unako ukuhlala ukwazi ukuba ngaba batyala ntoni malunga nemali yakho yokusebenza kunye nemirhumo yokuhlawula.
Ukuba kukho iiphoso kwingxelo yakho yekhredithi, unelungelo lokubakhupha kwaye utshintshwe ngolwazi oluchanekileyo.
04 Iingcamango azikulandeleli ngonaphakade
Iminyaka emininzi ukususela ngoku, loo ntlawulo-mali okanye i-akhawunti yokuqokelela ayiyi kuba nempembelelo kwikhredithi yakho. Ngoba? Ngenxa yokuba i-credit bureaus - iinkampani eziqokelela imbali yakho yemali-mboleko ingakwazi ukunika ingxelo engapheliyo emininzi iminyaka. Emva koko, ulwazi luwela kwingxelo yakho yekhredithi, ungayi kubonwa kwakhona.
Kubalulekile ukuba uqaphele, nangona kunjalo, ukuba ityala linokuthi libekho emva kweminyaka emisixhenxe. Akuyi kubalwa kwi-credit report yakho.
05 Ukuba udlala kunye, unokufumana iiflawulo
Amakhadi amaninzi ematyala aya kunye nemirhumo kwaye ukuba awuyi kukhawuleza, uya kugqiba ukuhlawula. Ngethamsanqa, kukho indlela yokuphuma malunga nayo yonke imali yekhadi lesikweletu.
Ukuze uphume kwiimali ezithile, kufuneka utshintshe indlela osebenzisa ngayo ikhadi lakho lesikweletu. Ezinye iirhafu zingadinga ukunyanzelana neenkampani zekhadi lakho lesikweletu. Ukufumana ikhadi lokuthenga ngetyala elingenamntu ngokupheleleyo, ukukhwabanisa okuncinci kunokuba kukufanele. Okanye, unokhetho olukhethiweyo lwekhadi lokuthenga ngetyala - enye engabhawuli iirhafu okanye eyenza kube lula ukuziphepha.
06 Kukho imithetho yokukhusela
Musa ukucinga ukuba ababolekisi nababolekisi banamandla okugqithisa. Imithetho ye-Federal ikhona egcina ababolekisi ukuba bathathe inzuzo ephelele ngawe kunye nabanye abathengi. Ngokomzekelo, uMthetho weNgxelo ye-Fair Credit Reporting (FCRA) ikunika ilungelo lokuphikisa ulwazi lweengxelo zemboleko ezingalunganga. Kwaye, uMthetho woTyala loTyala lokuTyala lokuTyala (i-FDPCA) linika ilungelo lokucela ukuba abaqokeleli ityala bayeke ukubiza.
07 Uncedo lobugcisa lufumaneka
Kungakhathaliseki ukuba inkulu kangakanani ityala lakho, akudingeki ukuba uyilwe yedwa. Ukusebenzisa umbutho onobugcisa njengengcebiso yomthengi ngeengxowa-mali kunokukunceda ukuhlenga amatyala akho kwaye usebenze isicwangciso sokuhlawula esiza kukubuyisela kumkhondo.