Kukho iinzuzo zokuhlawula i-akhawunti yokuqokelela
Ukunika imali kwi-arhente yokuqokelela kunokuziva ngathi ukuhambisa imali yakho yasemini kwisikratshi esikolweni. Kodwa ahluke xa ufanelekile ngokusemthethweni ukuba i-arhente yokuqokelela ikucela ukuba uyihlawule.
Ukuhlawula i-arhente yokuqokelela kaninzi kuba buhlungu kuba imveliso okanye inkonzo enxulumene netyala lide lidlulileyo. Ukuba uxoxisana ukuba ufanele ukuhlawula ityala unetyala, nantsi iinqununu ezintlanu zokufumana i-ejensi yokuqokelela ivule umva wakho.
01 Ukuqokelela ukuqokelela iifowuni ezilungileyo
02 Fumana imvume kumakhadi-mboleko kunye neemboleko
Iibhanki ezininzi aziyi kuvuma ikhadi lekhredithi okanye isicelo semboleko xa nje unayo i-akhawunti eqokelelweyo yeakhawunti kwingxelo yakho yekhredithi . Oku kuthetha ukuba akukho mboleko, akukho mboleko yemoto, kwaye akukho khadi lekhredithi. Ukongeza, abanye abaqeshi abanakukuqesha ngemisebenzi ethile xa ungekhokhwe imali kwi-credit report yakho, kwaye abaninzi abanini bezindlu baya kulahla isicelo sakho sokuqeshisa.
Ukuhlawula iqoqo akusayi kususa kwi-credit report yakho, kodwa imali ebiza ngayo ukuzisa ibhalansi kwi-$ 0 ingaba ifanelekile ukuba loo nto ityala phakathi kwakho kunye nesidingo sekhaya okanye imoto.
03 Ukuphucula umlinganiselo wakho wekhredithi
Njengoko iikholeji zikhula, zichaphazela amanqaku akho ekwereti ngaphantsi. Iingxelo zokuqokelela ziya kulahlaka kwingxelo yakho yeekhredithi emva kweminyaka eyisixhenxe, nangona ungabahlawulanga. Kodwa ukuba i-akhawunti ingaphantsi kweminyaka engama-7 ubudala, iqoqo elihlawulelwayo lilunge ngakumbi kumvuzo wakho wekhredithi ngaphandle kokungahlawulwanga.
Hlalani nikhumbule ukuba ukulungisa i-akhawunti ngokuxoxisana nomvuzo ophantsi akufani nokuhlawula ityala elipheleleyo, eliyintloko. Ababolekisi basenokubheka ingeniso engaphantsi kwengxoxo njengomzekelo womntu obolekayo ongenakuzalisa ngokupheleleyo ityala-nokuba ibhalansi yakho ibonisa i-$ 0 ehlawulwe.
04 Kucima umngcipheko wokugwetywa
Abantu ngamanye amaxesha bathatha abaqokeleli beetyala abayi kuchitha ixesha labo okanye imali yokuxoshwa kwiqoqo encinci, kodwa loo nto ayisoloko iyinyani. Ngethuba nje unayo iqoqo elibalaseleyo elisengummiselo wemingcele , kukho umngcipheko wokugwetyelwa into onetyala.
Isigwebo singakhokelela kwisigwebo senkundla, irekhodi kawonkewonke eliza kutyhawula ingxelo yakho yekhredithi iminyaka eyisixhenxe. Yaye ukuba ungasayi kuhlawula, umqokeleli unokufumana imvume yenkundla yokulungisa umvuzo wakho .
05 Usondele ekubeni ungenasikweletu
Ukuhlawula ityala eligcinwe ngumbutho wokuqokelela kuthetha ukuba uya kuba netyala kwiinkampani enye. Unokuvakalelwa kukuba ulahlekelwe yimfazwe xa uhlawula ityala emva kokuxhathisa inyanga okanye iminyaka, kodwa ekuhambeni kwexesha, kulungele i-credit yakho kunye nemali yakho. Ukunyamekela ukuqokelela kwetyala kuyinto enhle xa unakho ukukwenza.