I-Akhawunti yayimdala kakhulu ukuba ibikwe
I-akhawunti oyifunayo inokuthi ilahle ingxelo yakho yekhredithi mhlawumbi ngenxa yokuba umda wexesha lokubhengezwa ngetyala lidlulileyo okanye umda wexesha lokunika ingxelo kwi-credit bureau olo hlobo lwe-akhawunti luphelelwe yisikhathi.
Iingxelo zivaliwe ekumeni okubi, oko kukuthi uphelelwa phantsi xa i-akhawunti ivalwe, iya kulahla ingxelo yakho yekredari emva kweminyaka eyisixhenxe. Olu sekelwe kumlinganiselo wexesha lokunika ingxelo ngekhredithi elichazwe nguMthetho weNgxelo yeTyala lokuTyala.
Amanye ama- akhawunti avaliweyo aya kulahla ingxelo yakho yekredithi emva kweminyaka eyi-10 okanye, ngokuxhomekeke kwithuba elingakanani ixesha i-credit bureau ikhetha ukunika ezi ntlobo ze-akhawunti. Kukho ngoku umthetho ochaza ixabiso leakhawunti elivaliwe ngokuma kakuhle kufuneka liwele kwingxelo yakho yekhredithi.
Ibhizinisini ayiyibiki kwi-Credit Bureau
Kwihlabathi lokubika ngetyala, amashishini anquma ukuba yiyiphi na (ukuba ayengeyo yonke) yeevenkile zemali zetyala eziya kubhalisela.
I-akhawunti yakho ayiyi kuvela kwingxelo yakho yekhredithi ukuba ishishini alizibhalisele kwi-credit bureau ethile. Oku kuchaza ukuba kutheni ungabona i-akhawunti kwiirekhodi zakho zekredithi kuphela kodwa kungabikho ezimbini.
IShishini aliyi kuBhengela nayiphi na iBusiness Bureau
I-akhawunti ingabi yi-akhawunti yemveli yesikweletu.
IiAkhawunti ezifana nezibonelelo, iinkonzo zeekhefri, umnxeba, amanzi, njl. Ziwela kulolu hlobo. Ngokuxhomekeke kwinkampani nakwimimandla, ezinye iinkonzo zingabika kwiingxowa-mali zemali-mboleko, kodwa akudingeki ukuba zenze njalo. Ngelishwa, iingxelo ezikhohlakeleyo zixelwe nangona xa iintlawulo eziqhelekileyo zifikelelekanga. Ngoko kubalulekile ukuhlawula ngexesha nokuba ungayiboni i-akhawunti kwingxelo yakho yekhredithi.
Iintlawulo ezininzi zokuqeshisa azibonakali kwiingxelo zeentengo zemali-mboleko, ngakumbi ukuba urenta kwikhaya lomncinci. Ama-akhawunti kunye neenkampani ezinkulu zokuphatha impahla yenzeke nakwii-Experian okanye i-TransUnion ingxelo ye-credit. Ngokomlando, iintlawulo zerenti azibonakalwanga kwiingxelo zemboleko - ngaphandle kweemeko zobugqwetha obubi - ngoko ungamangaliswa ukuba umlando wakho wokurenta awukho kwingxelo yakho yekhredithi.
Iingxelo ezingabhalwanga njani zichaphazelekayo kwi-Score yakho yeMatyala
Amanqaku okuthenga ngetyala anikwa ngokusekelwe kuphela kwingcaciso kwingxelo yakho yekhredithi ngexesha lokufumana amanqaku ekhredithi. Ayicingi into ebenokuthi ibe kwi-ingxelo yakho yemali yonyaka odlulileyo okanye kwiveki ephelileyo. Ukuba i-akhawunti ayizange ibonakale kwingxelo yakho yebhanki, akufuneki kubekho utshintsho kumanqaku akho ekhredithi ngokusekelwe ekuziphatheni kwakho kwentlawulo kunye neakhawunti ethile.
Nangona kunjalo, usenokuthi ulahleke kwi-credit score engaphezulu kwiintlawulo kwixesha.
Ngakolunye uhlangothi, umlinganiselo wakho wekhredithi unokunyuka okanye ukuwa (ngokumalunga nexesha lokugqibela uhlolisise amanqaku akho) ukuba i-akhawunti ityala ingxelo yakho yekhredithi, umzekelo kuba umda wexesha lokubhengezwa ngetyala ulidlulileyo. Kunzima ukuqikelela ukuba yeyiphi indlela amanqaku akho okwenza ngayo iikredithi aya kuhamba ngenxa yokuba kuxhomekeke kwi-akhawunti ewa kunye nayo yonke enye ingcaciso kwingxelo yakho yekhredithi.
Amashishini akufuneki ukuba achaze kwii-credit bureaus; ngokuzithandela ngokuzithandela. Ukuba i-akhawunti ayibonakali kwingxelo yakho yekhredithi kwaye ucinga ukuba kufanelekile, qha ga mshelana neshishini ukuze ufumene imigaqo-nkqubo yokubika ngetyala. Kukho ukuphosakela nge-akhawunti yakho kwaye ishishini lingahlaziya i-bureaus ye-credit kunye nolwazi oluchanekileyo.