Amanqaku akho ekhredithi kunye neembali zembali ngenye yezona zinto zibalulekileyo kubomi bakho bezezimali. Amanqaku akho ekhredithi akulandela wena ngonaphakade kwaye iya kudlala indima enkulu kwiimeko ezininzi zemali ebomini bakho. Abantu abaninzi bacinga ukuba amanqaku okuthenga ngetyala ayenenkxalabo xa kufikelelwe ekuvunyelweni kwemboleko okanye kwikhadi lekhredithi, kodwa ligqithise ngakumbi.
Ingxelo yeMboleko kunye neCredit Score
Ngamanye amaxesha uya kuphulaphula nganye yeli binzana, kodwa kubalulekile ukuqonda umahluko phakathi kwezi zibini.
Ingxelo yakho yekhredithi ngokwenene imbali enenkcazo yolwazi lwakho lwekhredithi. Iya kuba neenkcukacha zekhredithi zangoku, izilinganiso, iintlawulo ezihlawulelwayo, ukuphazamiseka, ukuchonga ulwazi kunye nemibono.
Umlinganiselo wakho wekhredithi ngumbolo enamanani amathathu e sekelwe kwingcaciso kwingxelo yakho yekhredithi . Emva kokuqwalasela zonke iinkalo zengxelo yakho i-formula yemathematika isetyenziselwa ukucacisa ukuba imakalo akho kufanele ukuba yintoni, iphakamileyo ibe ngcono. Amanqaku ekhredithi ehamba phambili kwishishini yi-FICO kunye nobubanzi ukusuka ku-300 ukuya ku-850.
Ngaphandle kwemali
Sonke siyazi ukuba unomvuzo ophantsi wekhredithi ukuba kuya kuba nzima ukufumana ibhanki okanye ikhamphani yekhadi lesikweletu ukuboleka imali, kodwa ihamba ngaphaya kwaloo nto. Akukona nje ukuba amanqaku akho achaphazela ukuba ingaba ungayimboleka imali kunye nezinga elikhangayo, kodwa inokuchaphazela yonke into esuka kumaxabiso e-inshorensi kumathuba omsebenzi.
Iinshurensi
Ingaba uqinisekisa ukuba isithuthi sakho sithenga i-inshurensi yabanini-mali , umlinganiselo wakho wekhredithi uza kudlala indima ekuqaliseni i-premium yakho.
Abatshutshisi badala oko kubizwa ngokuthi " amanqaku e-inshuwalense " eninzi ngokusekelwe kumanqaku akhokredithi, kodwa ngeendlela ezimbalwa ezahlukeneyo. Amanqaku amatyala ahluphekileyo anokuhlawula ikhulu lamadola kwiiprayimari ezongezelelweyo kunyaka ngamnye ngelixa umlinganiselo omhle wekhredithi unokukwazi ukufumana isaphulelo.
Abaqeshi banokujonga i-Credit yakho
Isenzo esivame ukuxhaphaka kunye nesicatshulwayo senzeke njengoko abaqeshi bajonga ingxowa yabasebenzi abasanda kubaqeshwa.
Ingxabano yokwenza oku kukuba abaqeshi bakholelwa ukuba bangasebenzisa imbali yeebhanki ukufumana uxanduva. Ngokucacileyo, kukho imeko apho ingxelo embi yematyala ingaba yinto ethile ngaphandle kolawulo lomntu, kodwa oku kusengokuthile okumele kugcinwe engqondweni.
Iimali zeMali zeMali
Unokufuneka uhlawule ukufumana amanqaku akho kunye ne / okanye umlando wekredithi epheleleyo, kodwa kuya kuba yinto engafanelekanga kwaye ibe yinto eyahlukileyo yokufumana loo mboleko okanye mboleko oyithembayo. Ezi ngezantsi ziindawo ezimbalwa onokuzijonga ukuze ufumane ulwazi lwakho lwekredithi yakho:
- AnnualCreditReport.com
- Experian.com
- Transunion.com
- Equifax.com
- Credit.com
Ngaba usandul 'uvavanyo lwamatyala? Kuphakanyisiwe ukuba wenze njalo ngonyaka, ngoko ke ukuba uyasemva, qiniseka ukuba uyayiqwalasela namhlanje.