Amanqaku akho ekhredithi yinani elibuhlungu - amadijithi amathathu anokunyuka okanye ahla phantsi naluphi na usuku olunikwe ngokuxhomekeka kwindlela ulwazi lwakushintsha ngayo ingxelo yengxelo yemboleko. Ukuba usebenze ukuphucula umlinganiselo wakho wekhredithi - ngokuhlawula i-akhawunti ngenxa yee-akhawunti, ukulungisa iziphoso, ukwenza iintlawulo ezifike ngexesha, okanye izinto eziphathekayo ezingasuswa kwingxelo yakho yekhredithi - ngokuqinisekileyo uyafuna ukubona iziphumo zakho kwimigudu ngokukhawuleza. .
Kwaye ukuba ufuna ukuba umlinganiselo wakho wekhredithi ukwandise ukwenzela ukuba ufumane imvume kumbolekisi okanye ufumane inzala engcono, unokufuna ukuphucula ngokukhawuleza.
Ziza kukhawuleza ziza kuphucula njani amanqaku akho okwenza imali?
Ngelishwa, akukho nhlobo indlela yokuchaza ukuba kungekudala umlinganiselo wakho wekredithi uza kunyuka okanye ingaba uya kunyuka kangakanani. Siyazi ukuba kuya kuthatha ubuncinci ubungakanani bexesha elithatha ishishini ukuhlaziya ingxelo yakho yekhredithi. Amanye amashishini athumela ingxelo yokubuyiswa kwemboleko kwansuku zonke, ezinye iinyanga. Ingathatha iiveki eziliqela ukuba utshintsho luvele kwi-credit report yakho.
Xa ingxelo yakho yekhredithi ihlaziywa ngolwazi olungileyo, akukho siqinisekiso sakho samanqaku ekhredithi aya kunyuka ngokukhawuleza okanye ukuba iya kwanda ngokwaneleyo ukwenza umehluko ngesicelo. Amanqaku akho ekhredithi ahlala efana-okanye ayenokuhla - kuxhomekeke ekubalukeleni kwenguqu kunye nolunye ulwazi kwingxelo yakho yekhredithi.
Into kuphela ongayenza kukuba ujonge amanqaku akho ekhredithi ukuze ubone ukuba utshintsha njani kwaye uqhubeke nokwenza i-credit right.
Yintoni Echaphazela Ukuhlaziywa Kwemali Yesikweletu?
Ixesha lokuhlaziywa kwamanqaku ekwereta lusekwe kwithuba lokutshintsha kwirekhodi yakho yekhredithi. Ekubeni umlinganiselo wakho wekhredithi ubalwa ngokukhawuleza usebenzisa ulwazi kwingxelo yakho yekhredithi kwixesha elinikezelweyo, konke okufunekayo ukuphakamisa amanqaku okuthenga ngetyala kukuguqulwa okulungileyo kwingxelo yengxelo yengxelo yemboleko.
Ngexesha elifanayo, ukuba nolwazi olubi longezelelwe kwingxelo yakho yekhredithi kunokunciphisa utshintsho olulungileyo omele ulubonise kumanqaku akho. Ngokomzekelo, ukuba ufumana ukongezwa kwemali yemali (ngoko ukunciphisa ukusetyenziswa kwekhredithi yakho) kodwa ukuhlawulwa kwexesha elifutshane kwongezwa kwingxelo yakho yekhredithi, awukwazi ukubona amanqaku akho ekhredithi ayiphucula. Enyanisweni, umlinganiselo wakho wekhredithi unokuwa.
Ulwazi olubi kakhulu luyakwazi ukulinganisela amanqaku akho kwikhredithi phantsi ukwenza ukuba kuthathe ixesha elide ukuphucula amanqaku akho. Ngokomzekelo, kunokuthatha ixesha elide ukuphucula umlinganiselo wakho wekhredithi ukuba unayo i-bankruptcy, ukuqokelela amatyala, ukubuyisela okanye ukuchithwa kwirekhodi yakho yekredithi. Oku kutshanje ezi zinto zikhoyo, ziyakuthi zichaphazeleke amanqaku akho.
Iindlela ezikhawulezileyo zokuphakamisa amanqaku akho eNgxowa-mali
Kuthatha ixesha ukuphucula umlinganiselo wakho wekhredithi, ngokukodwa ukuba unemiba eninzi kwi-credit report yakho. Ngethamsanqa, kukho izinto ezimbalwa ongayenza ukuphakamisa umlinganiselo wakho wekhredithi ngokukhawuleza. Ukuhlawula ibhalansi enkulu yamakhadi-ngetyala okanye ukufumana ukunyuka kwemali-mboleko, ngakumbi ngaphambi kokuba umhla wokuvala ingxelo ye-akhawunti yakho, inokuphazamisa amanqaku akho kwikhredithi ngokukhawuleza. Zombini ezi zinto ziphucula ukusetyenziswa kwekhredithi yakho, okuyi-30% yemanqaku akho ekwereta.
Ukuphikisa impazamo ephosakeleyo kwingxelo yakho yekhredithi nayo inokuphakamisa amanqaku akho ekhredithi, ngokukodwa xa uthetha kumbolekisi phezu kwefowuni uze ubakhuphe impazamo kwi-credit report yakho kwangoko. Ukunyanzelisa amalungelo akho phantsi kwe-Fair Credit Reporting Act, kufuneka uphikisana neziphene zeepitalati zebhanki ngokubhaliweyo. Nangona kunjalo, abanye ababolekisi bazimisele ukususa iimpazamo ezisemthethweni kunye nefowuni kuphela. Ukuhlaziywa kungabonakala kwingxelo yakho yekredithi kwaye kuthintele umlinganiselo wakho wekhredithi kwiintsuku nje ezimbalwa ukuba umbolekisi uzimisele ukusebenza nawe.
Ukuba awukwazi ukuphikisana nephutha phezu kwefowuni, ukuphikisana ngokubhaliweyo kusasebenza, ingakumbi ukuba unobungqina benkomo. Inkqubo yokuphikisana ingathatha iintsuku ezingama-30 ukuya kwe-45 ngelixa i-credit bureau iphanda kwaye ihlaziywe ingxelo ye-credit card. Emva kokuba iphoso lisuswe kwingxelo yakho yekredithi, iya kubangela ukuba ube ngumlinganiselo wekhredithi yakho kwangoko.
Indlela yokubeka iliso kwi-Score Score yakho
Unako ukubeka iliso utshintsho kwiimpawu zakho zekhredithi mahhala ngokusebenzisa i-CreditKarma.com okanye i-CreditSesame.com enokukufumana ukufikelela kwamahhala kwii-credits zakho ezingezizo ze-FICO. I-Credit Karma ihlaziya i-TransUnion kunye ne-Equifax izikolo zemali nganye ngelixa i-Credit Sesame ihambisa izibuyekezo zohlaziyo kwi-Experian yakho. Ukuba kukho utshintsho kwiyiphi na ingxelo yeengxowa-mali, unokubona utshintsho lwamanqaku atyala ngokusebenzisa iinkonzo zamahhala.
Abanye abaniki bamakhadi bekhredithi banikezela abanamakhadi abo umlinganiselo weFICO wamahhala kwisitatimenti senkokhelo yenyanga nganye. Ukufumanisa, I-National National Bank ye-Omaha, kunye ne-Barclaycard bonke banikela ngesikolo samahhala eFICO inyanga nganye. I-Capital One inikezela ngeNgxelo ye-TransUnion yeMfundo yamahhala. Hlola kunye nomnikeli wakho wekhadi lokuthenga ngetyala ukuze ufumane ukuba unika ukufikelela kwamahhala kumanqaku akho ekwereta.
Uqikelelo lweeNkcazo zeMatriki
Ngelixa ulinde ingxelo yengxelo yakho yekredithi kunye namanqaku ukuhlaziya, ungasebenzisa isampululisi semanqaku ekuhlawuleni ukuba umlinganiselo wakho wekhredithi unokutshintsha njani. I-Karma yeMboleko kunye ne-myFICO bobabini banikela ngeempawu zesikhokhthi zemboleko ezingabonisa indlela amanqaku akho ekhredithi angashintsha ngayo xa ulwazi lushintsha ingxelo yesikweletu sakho, ukuba uhlawula i-akhawunti okanye uvule umboleko omtsha, umzekelo. Ummemli kaKarma weKredit uhlanganiswe nobulungu bakho baseburhulumenteni enkonzweni yabo. Umfanisi owenziwe nge-myFICO kunye ne-FICO Score Watch kuphela kumanqaku akho e-Equifax ngamatyala nge $ 14.95 ngenyanga.
Ukukhawuleza ukugcina iiNkcazo zeMali eziKhuselekileyo
Kukho enye inkonzo enokukunika ukufikelela kwangaphambili kwiinguqu zamanqaku ezikolo, kodwa kuphela kwiimeko ezimancinci zeemeko. Ukuba ufaka isicelo semali mboleko mboleko, umnini-mboleko unakho ukubonelela ngokukhawuleza, inkonzo eya kuhlaziya amanqaku akho ekhredithi ngaphakathi kweeyure ezingama-48 ukuya kuma-72. Akusebenzi kuyo yonke imeko. Kufuneka ube nobungqina bokuba kukho ulwazi olungalungile kwingxelo yakho yekhredithi, njengenkokhelo echazwe ngokuchanekileyo njengexesha elide. Kwaye unokwenza oku kuphela ngabathengi abathile bokuboleka imali xa uzama ukufumana ilungelo lokuthenga imali okanye ukufumana imigaqo engcono; ayikho inkonzo ekhoyo ngokuthe ngqo kubathengi okanye ngezinye iintlobo zamashishini.